News and Information

MERCO Credit Union Tree



This marks the 11th year MERCO Credit Union has been the proud sponsor of the MERCO Credit Union Community Christmas Tree located at the Bob Hart Square in Downtown Merced.

We hope you were able to join us Downtown on December 6th for the Annual Christmas Parade and stayed for the official MERCO Christmas Tree Lighting Ceremony.

Deliver Holiday Smiles!

Your holiday budget will stretch a little farther with a Holiday Loan from MERCO Credit Union! Borrow as much as $1,000 with a special holiday rate and have up to 12 months to repay. Need more than $1,000? MERCO also offers great loans with competitive rates for all your borrowing needs.

Special Holiday Loan rates and terms are available from November 3, 2014 through December 31, 2014.

For more information, contact us or come inside a branch today!

Drive It Away, The MERCO Way!

Credit Union Direct Lending


Nothing drives like a MERCO auto loan! Drive away today in a new 2014 or 2015 vehicle with rates as low as 1.99%* and up to 84 months financing with no payment for up to 60 days! Buy local from a Merced county area auto dealer and borrow local from MERCO Credit Union with loan rates as low as 1.99%*, which includes a special 1/2 percent discount for buying local.

Applying for a loan is easy! You can apply at any MERCO branch or you can enjoy the convenience of applying 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 at MERCO. Drive away with a new auto, great rate, and a monthly payment that fits your budget.

Special offer good until 12/31/2014. Support our local economy…BUY LOCAL from a local dealer, BORROW LOCAL with a MERCO car loan.

Paying higher rates on an existing loan at another bank or credit union? We can also refinance your existing auto loan with great low rates and terms. 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. Other restrictions may apply. A $20,000 loan at 1.99% APR for 72 months = $294.92 per month.

MERCO Credit Union and Apple Pay

Since the launch of Apple Pay, we wanted to give our members an update on the status of our plans to make MERCO Credit Union Debit and Credit cards compatible with Apple Pay.

What is Apple Pay?

Apple Pay allows a person to pay at select stores and within other aps by placing their finger on their iOS device’s Touch ID button. Apple Pay initially works on cards from a handful of major banks and issuers only. It’s currently available on Apple’s iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad Mini 3 models.

When will my MERCO Credit Union Debit or Credit Card be available on Apple Pay?

MERCO Credit Union is currently on the waiting list to start offering the service. We are projected to start the service Q1 of 2015. We will provide updates as we receive them.

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.

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

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