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Feed Our Economy...Support Local Businesses - Buy and Borrow Locally!

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Auto Rates as Low as 1.99% APR* for New or Used Autos

We’ve gone from 0 to 60...Come along for the ride as MERCO Credit Union celebrates its 60th anniversary! To kick off the celebration, we are offering great rates on new and used car loans when you buy local us and borrow local from a Merced County Auto Dealer. You'll also receive one sweet car loan deal with terms up to 84 months! To apply, call (209) 723-4285 or drop by any branch office today.

*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 60 months. Other restrictions may apply. A $20,000 loan at 1.99% APR for 60 months = $350.47 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 travelling 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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