As Always, We’re Here for You

At MERCO Credit Union, your health and well-being is our top priority.  We have been serving our community for over 65 years.  We’ve been through challenging times before and we’re prepared to be there for you again. We will be there for you when and where you need us.

We are monitoring the Coronavirus COVID-19 closely and are prepared to support you during this time. We will be updating this page as needed.

Our full service branches in Merced, Atwater and Mariposa are open and we are here for you.   Our Merced Drive-Thru is open and there are many options that are available. Effective April 6th, our hours are 9:30am to 5pm at all branches, including the Drive-Thru in Merced.

We highly encourage you to use MERCO Credit Union’s digital tools and other resources for self-service banking and 24/7 account access. You can access your account online or by using the Mobile Banking App at your convenience. From there, you can make mobile deposits, make payments, send money with Zelle®, view transactions, check balances, find an ATM and more. It’s easier and faster (in most cases) to manage your account digitally.

If you haven’t enrolled in online access, it only takes a few minutes. Enroll now.

You also have access to over 85,000 surcharge free ATMs with your MERCO Credit Union Visa Debit Card through our membership in the CO-OP® and Allpoint® ATM Networks.  We can instantly issue you a debit card at any of our convenient locations.

We also understand that there may be instances where members find themselves facing financial difficulties. MERCO Credit Union is here to help.  We have a Skip-A-Pay program and have a special loan program to get through these challenging times. Link to Skip-A-Pay Form. The Skip-A-Pay Fee will be waived.

Should you find yourself in need of assistance, please contact us at 209-723-4285.

As always, our locations are here to serve you.  For locations and hours, visit us at

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