Annual Meeting Notice

MERCO Credit Union is holding our 2020 Annual Meeting and Election on May 18th at 6pm.

Due to the Covid-19 Stay At Home order, we will be holding our annual meeting virtually. The meeting will open at 6pm and will begin at 6:30pm.

We hope you can join us.

Register now!


After registering, you will receive a confirmation email containing information about joining the webinar.

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Money Manager Helps You Take Control of Your Spending

Money Manager

Money Manager, available to you through our Mobile Banking App or Internet Banking, provides you with excellent financial tools.

Budgeting Is Easier Than Ever: Build and view spending targets that are important to you. The new insights feature provides your spending history, and sound advice for staying on track.

Interactive Spending Wheel: View your largest expenses in real time. Click the center to see a list of transactions from each category, to stay on top of your spending and overall finances.

Spending at a Glance: The analyzer quickly shows your percentage and total amount spent in each category, and lets you customize the date range to identify any trends.

Cash Flow Control: By adding your paychecks and expenses, you’re now able to view income and spending trends right from the dashboard.

Net Worth Snapshot: Track your investments, wealth and debts all in one place, while having access to monthly, quarterly, and annual trends. Remember, it is vital for you to keep your financial future in mind when making day-to-day monetary decisions.

Get started with Money Manager today!

Add More Joy to Your Driving Time!

Driving Time

Now is the right time to add a little joy to your life. With car dealers discounting prices on new 2019 models to make room for 2020 models, this is the best time of the year to buy a new car. In addition, MERCO CU is offering great rates and terms on our new and used car loans. At MERCO Credit Union, you’ll find:

  • Rates as low as 2.99% APR* for 72 months on 2013 models or newer
  • Terms up to 84 months on balances over $20,000
  • NO payments for 60 days for excellent credit

Improve your driving joy with a new vehicle and a low-rate auto loan from your credit union. We can 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.

A Special Holiday Season Deserves a Special Holiday Loan Rate!

If extra funds would help make your holiday season more special this year, consider a loan with a special holiday rate from MERCO Credit Union. Use the extra cash for holiday travel, gifts and entertainment.

Our holiday loans are the affordable way to get the funds you need at a much lower cost than high-rate department store cards or higher-rate credit cards:

  • Rates as low as 10% APR*
  • Borrow up to $1,500
  • Term up to 12 months

Apply Today and Be Ready to Shop!

Call (209) 723-4285 or stop by and apply today! Offer ends 12/31/2019!

*APR = Annual Percentage Rates. Other rates are also available. Loans are subject to credit approval.

You’re in Control with CardSecure

MERCO’s new CardSecure App provides additional security by allowing you to turn your Visa® Debit Card on and off, set merchant or region controls, and much more.

In addition, you can get notifications when any charges occur on your card, so you can monitor it’s usage by others. These new Debit Card controls are available to you now!

To Get or access CardSecure from within Mobile Banking, tap on “My Cards”. You can also download the apps from the links below:

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:

  • Deposit checks anytime, anywhere into your account
  • Quickly check your balances
  • View your transaction history, including check images
  • View pending items
  • Transfer funds between MERCO accounts
  • Pay your bills quickly and conveniently
  • Send money to friends and family with Zelle®
  • 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.