MERCO’s NEW Mobile Banking App Is Here!

Woman using smartphone

Our new MERCO Credit Union Mobile Banking app for Android and Apple iOS is here!

Our new mobile app will enable you to:

  • Quickly check your balances
  • View your transaction history, including check images
  • View pending items
  • Deposit checks anytime, anywhere into your account
  • Transfer funds between MERCO accounts
  • Pay your bills quickly and conveniently
  • Send money to friends and family with Popmoney
  • Discount theme park tickets
  • Easy access to Credit Sense by Savvy Money to check on your credit and recent credit activity
  • Find surcharge free ATM locations with the locator
  • Easy links to branch locations, hours, ad newsletters

Download the MERCO CU Mobile Banking App from your device’s app store and begin receiving all of the convenient benefits!

Looking to Save Money? Credit Sense Can Help!

Credit Sense

Did you know MERCO is now offering you a new set of financial tools with the Credit Sense program? Credit Sense is FREE with Internet Banking, and provides you with tools and resources to help you save money and better manage your finances. With Credit Sense, you can:

  • Monitor your credit score directly. Scores are updated automatically each month.
  • View your credit report to see account details, payment history, inquiries and public records.
  • Learn how to improve your credit score, and the factors that impact it.

Start now by signing up for Credit Sense through MERCO’s Internet Banking.

Our New Bill Pay Service Is Easier Than Ever

Woman and man using tablet

MERCO knows you’d rather spend less time paying bills and more time enjoying the important things in life. That’s why you need to check out our new FREE Bill Pay service for:

  • More features that are easier to use.
  • A more efficient payment-processing system.
  • A simpler process to pay merchants.

Isn’t it time to automate your bill payments so you can have more free time to enjoy life? Get started today by logging into Internet Banking.

Right Now Is the Right Time to Buy a New Car

Man and woman next to car

Car dealers are currently offering discount pricing on new 2018 models, and MERCO is adding great rates and terms to the mix! Now is a great time to buy the new vehicle you’ve been eyeing. At MERCO Credit Union, you’ll find:

  • Rates as low as 2.99% APR* for 72 months on 2012 models or newer
  • Terms up to 84 months on balances over $20,000
  • NO payments for 60 days for excellent credit

Celebrate the New Year in a new car. We are here to help you make it happen. Call us at (209) 723-4285 or drop by one of our branches to apply today.

*APR = Annual Percentage Rate. Rates and terms may vary based on individual credit rating and loan amount. Vehicle rate includes a .50% APR reduction for automatic payment and direct deposit. Add .50% APR to base vehicle rate for extended terms over 72 months. Other restrictions may apply.

Want Access to 85,000 ATMs?

ATM machine

Last year, MERCO members gained fee-FREE access to over 30,000 CO-OP® ATMs, located at most credit unions, 7-Eleven and Costco locations.

In July, we’ve added another 55,000 fee-FREE Allpoint® ATMs to our network, located in Walgreens, CVS, Costco, Target, Circle K, Safeway, Chevron and many other places.

One out of every 12 ATMs in the U.S. is part of the Allpoint Network. MERCO offers our members fee-FREE access to more ATMs than Bank of America, Wells Fargo and Chase combined!

MERCO Has the Cure for New Car Fever!

Woman sitting

Rates as Low as 2.89% APR* for 72 Months on 2017 and 2018 Models:

  • Up to 130% financing
  • NO payments for 90 days for excellent credit
  • Terms up to 84 months on balances over $20,000 on 2015-2018 models

Apply for Your Auto Loan Today. Offer Expires 9.30.18
Visit one of our branches to apply for your auto loan today.

*APR = Annual Percentage Rate. Rates and terms may vary based on individual credit rating and loan amount. Vehicle rate includes a .50% APR reduction for automatic payment and direct deposit. Add .50% APR to base vehicle rate for extended terms over 72 months. Other restrictions may apply.

Visa® Debit Cards Now Issued On-the-Spot

Woman holding ViSA card

If you have a MERCO Summit, Student or Regular Checking account, you can now get your new Visa Debit Card issued instantly:

  • Immediate issuance and access
  • New cards or lost card replacement

With MERCO’s Visa Debit Card, you can access your checking or savings account from any ATM for balance inquiries, transfers or withdrawals. Plus, you can use your Debit Card everywhere Visa is accepted.

Student Checking Is a Great Way for Teens to Learn How to Handle Money

Teenager

Financial education is one of the most important subjects teens can learn in their lifetime…and the earlier the better. MERCO’s new Student Checking is the perfect place to start.

Our new Student Checking account is open to youths ages 15 to 17:

  • NO monthly fees*
  • FREE pack of 25 checks
  • FREE Visa® Debit Card
  • FREE Online Banking
  • Receive a FREE gift at opening*

If you have teens in your family, bring them into one of our local branches to get them started on the right financial footing.

* No Monthly Fee under age 18.  After 18, standard minimum balance requirements apply ($5 monthly fee for checking accounts with average daily balance less than $250).  Gift may vary and while supplies last.

Low, Easy Payments Are Standard Equipment on a MERCO Auto Loan

Woman and child

What Are the “Must Haves” on Your Next New Car?
Do you know what features you want on our next new car: Leather seats, sunroof, blind spot monitoring, lane departure warning? The list could go on. However, one of the most important features on any new vehicle, is the auto loan you choose. That’s where MERCO come in.

A MERCO Auto loan can save you hundreds over the life of your loan and with monthly payments that allow you to easily manage your monthly cash flow:

  • Rates as low as 2.84% APR* for 72 months
  • Up to 130% financing
  • No payments for 90 days for excellent credit
  • Terms up to 84 months for loans $20,000+**

When you’re ready to buy, drop by or call us today and get your loan preapproved before you shop!

*APR = Annual Percentage Rate. Rates and terms may vary based on individual credit rating and loan amount. Vehicle rate includes a .25% reduction for automatic payment. Add .50% to base vehicle rate for extended terms over 72 months. Other restrictions may apply. **Applies to 2015-2018 models only.

Move in, Move up, Down-Size or Refinance… With a MERCO Home Loan!

Family walking up stairs with boxes

MERCO Has Home Loans for All Stages of Life
We all have different needs at different stages of their lives. And, MERCO Credit Union—your local-area, not-for-profit lender—is here to help you with them all.

If you are looking to buy your first home, refinance your current home loan or purchase a smaller home for retirement, we have the loan for you. Our loans give you:

  • Low fixed rates
  • Lower fees
  • First and second mortgage options
  • Up to $500 refund on appraisal at funding*

For more info or to apply, drop by one of our offices or call us today.

*Loans are subject to credit approval. MERCO will refund your appraisal costs up to $500 for home loans funded by June 30, 2018.