Mobile and Internet Banking is Available – 02/18/2021 Update

Mobile and Internet Banking is currently available. We apologize for the inconvenience. Being there for you when you need us is very important to us. We will endeavor to work with our service provider to do better.

What caused the outage on Monday?

Internet and Mobile Banking went offline on Monday morning because of massive power outages across Texas. This impacted the data center used for these services. The backup generators were frozen and would not operate. In any case, additional fuel was unable to be delivered due to the lack of supply and unsafe road conditions. Our service provider made the decision to relocate the impacted services to a data center in a different state. Service was restored early on Thursday morning.

Debit Card Impact at Second Data Center:

At a different data center in Texas on Wednesday, a pipe burst due to the cold weather. This risked flooding the data center. Power was shut off at this center as the risk of water damage was addressed. During this period, equipment overheated due to lack of cooling to critical servers resulting in a shutdown of debit card authorizations. As a result. Debit Card transaction authorizations may have been limited to $200 per day. By Thursday, service and authorizations were restored.

We apologize for these issues. As mentioned previously, we will be working with our service provider to do better. Thank you for your valued membership in MERCO Credit Union.

Mobile App Privacy Policy

This privacy policy covers our Mobile Apps including MERCO Credit Union’s Mobile Banking and CardSecure Apps.

1. Introduction. This Privacy Policy describes the types of “Personal Information” (information that is identifiable to a particular person) that is collected (directly or through service providers) in connection with our Mobile Apps (“Apps) and related services (collectively, the “service) offered by MERCO Credit Union (“we” or “us”). this Privacy Policy is intended to supplement the disclosures in any Privacy Policy that you may have already been presented by us in connection with our Apps.

2. Eligibility. This Service is offered only to individual residents of the United States, excluding its territories, who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors. Other restrictions and eligibility requirements for the Service apply as described in the App Terms of Use. We do not knowingly collect any Personal Information from or about individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit Personal Information without your permission. By using the App or the Service, you represent that you meet these requirements and that you agree to the terms of this Privacy Policy.

3. What Types of Personal Information We May Collect. We may collect Personal Information about you, which may include: name, postal address, zip code, e-mail address, telephone number, account numbers, payment card expiration date, payment card identification or verification numbers, social security number, mobile device location, and other information that we can use to contact you, verify your identity, provide the functionality available through use of the App and the Service, and manage risks, such as information maintained about you by identity verification services and consumer reporting agencies, including credit bureaus, and payment and other transaction information, and history for payments and other transactions in which you participate through the Service, and any Personal Information that you may enter into information blocks present in the App interface or made available through the Service.  We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).

4. How We May Collect Personal Information About You. We may collect Personal Information about you from the following sources:

a. Information that you input to the App or that the App collects automatically;

b. Your use of the App and the Service, and your interactions with customer care, including information you enter or speak, and information transmitted by your computer or mobile device or other devices you use as part of your receipt of the Service; and

c. We may also collect Personal Information about you from others, such as Affiliates, or other companies (such as for fraud detection).


5. How We May Share Personal Information About You. We share Personal Information about you only as permitted by law. For Personal Information that is nonpublic and that we collect in connection with a financial service, U. S. federal law permits us to share such information only for the purposes shown in the following table:

Reasons we can share Personal Information
about you
Do we share? Can you limit this
sharing?
For our everyday business purposes – such as to
process your transactions, respond to court
orders and legal investigations, and report to
credit bureaus;
Yes No
For our marketing purposes – to offer our
products and services to you;
Yes No
For Joint Marketing with other financial
companies;
No We Do Not Share
For our Affiliates’ everyday business purposes
(information about your transactions and
experiences);
Yes No
For our Affiliates’ everyday business purposes
(information about your creditworthiness);
No We Do Not Share
For our Affiliates to market to you; No We Do Not Share
For Nonaffiliates to market to you No We Do Not Share

6. How We May Use Personal Information About You. We use Personal Information about you only as permitted by law, including but not limited to the following purposes:

a. To complete transactions and render services authorized by you;

b. Other everyday business purposes, such as to maintain your ability to access the Service, to send you information about the Service, to effect, administer and enforce transactions, to perform fraud screening, to prevent actual or potential fraud and unauthorized transactions, to verify your identity, to determine your credit history, to verify the information you provide to the Service, to perform collections, to report to credit bureaus (including furnishing delinquent account information), to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of users of the Service or the public, to prevent and defend claims, to resolve disputes, to troubleshoot problems, to enforce our Terms of Use, to protect our rights and property, and to customize, measure, and improve the Service and the App, including pattern recognition, modeling, enhancement and improvement, system analysis, and Service performance analysis;

c. For marketing purposes – to offer products and services to you, although you may opt-out of receiving commercial email marketing messages from us by following the opt-out processes described in those messages; and

d. If we are involved in a merger, acquisition, or sale of all or a portion of our assets that results in a change of the majority ownership of the App or the Service or the entity that owns them, you will be notified of this via email and/or a prominent notice on the App, as well as any material change in uses of your Personal Information, as well as any choices you may have regarding Personal Information about you.

7. Other Important Information.
Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our Affiliates, unless the law allows. We will not share information about your credit worthiness with our Affiliates except with your consent, but we may share information about our transactions or experiences with you with our Affiliates without your consent.

California: Under California law, we will not share information we collect about you with Nonaffiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our Affiliates to the extent required by California law.

8. Definitions.

a. “Affiliates” means companies related by common ownership or control. They can be financial or nonfinancial companies.

b. “Nonaffiliates” means companies not related by common ownership or control. They can be financial or nonfinancial companies.

c. “Joint Marketing” means a formal agreement between nonaffiliated financial companies that together market financial products or services to you.

9. How We Protect Personal Information About You. To protect Personal Information about you from unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers and business partners to whom we disclose the information to do the same. When you enter sensitive information (such as a debit or credit card number) into the App, we encrypt the transmission of that information using secure socket layer technology (SSL). We may retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

10. Data Retention. We will retain, protect, use and share Personal Information about you as long as it is reasonably required for the purposes described in this Privacy Policy, and as required by law, including but not limited to for risk management, regulatory compliance, and audit purposes.

11. Amendments. We may amend this policy at any time by posting a revised version in the App. The revised version will be effective immediately at the time it is posted unless a delayed effective date is expressly stated therein. You may (in our discretion) also be provided with an email notification of such amendments. If we make any change in how we use your Personal Information, we will notify you by email or by means of a notice in the App prior to the change becoming effective. You may (in our discretion) be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the App and the Service. Any use of the App or the Service after a notice of change will constitute your express agreement to such changes.

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.

View System Requirements  

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 2020 models to make room for 2021 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 2014 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.