News and Information


Virtual Branch Improvement July 13th

Beginning July 13th, our Virtual Branch internet banking will be upgraded to provide you with an improved experience and design. These changes were necessary to accomodate the increasing array of devices used to access internet banking including smart phones, tablets, laptop and desktop computers. We appreciate your understanding.

Make This a Summer to Remember!

Hot Deals

Buy a new or used vehicle and finance it at MERCO Credit Union. Finance your auto or truck with MERCO and you’ll get competitive rates, flexible terms, and fast, friendly service. You will also automatically qualify for a MERCO Credit Union Visa credit card. Buy from a local dealer and earn a special discounted rate.

Refinance your high-rate car loan from another lender and save money with our competitive rates and flexible terms.

Great rates as low as 2.29%...Great terms up to 72 months! Support your local economy…BUY LOCAL from a local dealer, BORROW LOCAL from MERCO Credit Union. We’ve been your local credit union for over 60 years!

*Annual Percentage Rate. Rate and term may vary based on credit rating and loan amount. Stated rate includes a .25% APR reduction for automatic payment and .50% APR reduction for buying locally in Merced County. Other restrictions may apply. A $20,000 loan at 2.29% APR for 72 months = $297.56 per month.

Say YES to a Better Credit Card...

Now is a great time to say YES to a better credit card at MERCO Credit Union! MERCO’s Visa Credit Card* is one of the best credit cards to carry for all your purchasing needs. With benefits like competitive low rates, no annual fee, and no balance transfer fees. That’s right no balance transfer fees! This means you can transfer your higher-rate credit card balances to MERCO and you may be able to reduce the interest you pay!

ScoreCard Graphics Button

As an added bonus, when you open your MERCO Credit Union Visa Credit Card, you will start earning rewards points with our Scorecard Rewards Program. You can redeem these points for brand name merchandise and exciting travel rewards. Where else can you get such great rewards and a great rate? Plus receive 2,500 Bonus points when you open your new Visa Credit Card! So come visit us at one of our convenient branches and apply for your card today! For more information call us at 723-4285; outside the 209 area code all 800-273-4993.

*Credit Union Membership Required. Approved rate based on credit qualification. Federally Insured by the NCUA.

Enjoy Our Large Network of Free ATMs!

Bank of West Logo MERCO members can make deposits and withdrawals at all Bank of the West ATMs. These ATMs are located throughout 20 western and midwestern states and over 700 locations.  These are available to you FEE-FREE! For Bank of the West ATM locations, click here.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency Equal Housing