News and Information

Merco Credit Union Accepts Challenge

Special Member Appreciation Days in September!

We're thankful for our members every day (and who isn't thankful for Fridays!) What better day to show our appreciation to you than on the first three Fridays in September? Stop by a branch near you for FREE hot dogs, sodas, popcorn and lots of raffle prizes as we say a big THANK YOU for your loyalty and support! Grand prize (for each branch) will be an Apple iPad with our 60th Anniversary Logo on it.

• Merced Branch -- Friday, September 5
• Atwater Branch -- Friday, September 12
• Mariposa Branch -- Friday, September 19

We'll see you soon!

Hot Deals, Cool Rates!

Credit Union Direct Lending

Now is the best time to get a hot deal on new car models arriving at auto dealers near you. MERCO Credit Union is offering a cool rate as low as 1.99 % on new and used car loans when you buy local and borrow local from a Merced County Auto Dealer. So drive it away, the Merco way!

Applying for a loan is easy! You can apply for a loan in branch or directly at most dealerships by requesting a Credit Union Direct Lending (CUDL) loan with MERCO Credit Union. The dealer will work directly with us in processing your loan paperwork. You may receive one sweet car loan deal with terms up to 84 months!

Paying higher rates on an existing loan? We also can refinance your existing auto loan with the same great low rates. Drop by any branch office today or call (209) 723-4285.

*Annual Percentage Rate. Rate and term may vary based on credit rating and loan amount. Stated rate includes a .50% APR reduction for automatic payment and .50% APR reduction for buying locally in Merced County. Add .50% to base vehicle rate for extended terms over 72 months. Other restrictions may apply. A $20,000 loan at 1.99% APR for 72 months = $294.92 per month.


What is Grow Merced? Grow Merced is a countywide awareness program for citizens and business owners to promote the economic and social value of supporting local businesses within our community.

Why Buy Local?

Here are a couple of reasons why “Buy Local” makes sense:
• Creates new jobs and sustains existing jobs.
• Every dollar spent at a locally owned business returns five times that amount within our community through city/county taxes, employee wages, and the purchase of other local goods and services.

What Can I Do?

As a consumer, look for opportunities to buy local instead of shopping on the internet or traveling out of town.
As a member of MERCO Credit Union, you are supporting a local business that started here in Merced County back in 1954.

How Does MERCO Support “Buy Local”?
Grow Merced

MERCO offers a “Buy Local, Borrow Local” auto loan discount program. As an incentive to buy local, MERCO gives a .50% discount on your auto loan rate if you buy your auto from a local dealer in Merced County. In addition, we share our success by support local charities and events…such as the MERCO Credit Union Half Marathon.

Why Is “Buy Local” Important?

Our community’s formula for success is simple…Think Local, Buy Local, Support Local. We all have a stake and responsibility in this…we are only as successful as our neighbor.

Enjoy Our Large Network of Free ATMs!

Bank of West LogoMERCO 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.

You can also make deposits at any ATM displaying the "DEPOSIT HERE!" signage, including MSEFCU ATMs throughout Merced County.

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