Merco Credit Union Merced CA | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to Merco, your trusted financial partner right here in the heart of Merced, CA. Established in 1966, we have proudly served our community for over five decades, becoming a cornerstone for local families and businesses alike. At our branch located at 1911 M St, Merced, CA 95340, we are committed to providing personalized banking solutions that meet the unique needs of each member. With a total membership of 15,328 and assets amounting to an impressive $195,281,522, we strive to create a supportive environment where your financial goals can thrive. Our dedication is reflected in our total deposits of $22,668,400 and loans totaling 8,606, ensuring that we are equipped to assist you with everything from personal banking to business financing. Under the leadership of CEO David Ness and Board President Kent Christensen, our team of 43 dedicated employees is always ready to offer guidance and support. Whether you're looking for checking accounts, auto loans, or mortgage options, we're here to help you navigate your financial journey. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at PO Box 2955, Merced, CA 95344. At Merco, we pride ourselves on our commitment to community engagement and member satisfaction. With services ranging from online banking to personal loans with competitive rates, we're more than just a credit union; we are your financial ally. Feel free to reach out by calling us at 209-723-4285 or visit our website at [merco.org]( https://www.merco.org ) for more information. We invite you to stop by and see how we can help you achieve your financial dreams!

Branch History & Mission

Welcome to Merco, a credit union with a rich legacy in the heart of Merced, California. Since our doors opened in 1966, we have been dedicated to fostering financial growth and community support. Located at 1911 M St, Merced, CA 95340, our branch has grown alongside the community, evolving to meet the needs of our members and their families. Over the years, Merco has achieved remarkable milestones that reflect our commitment to service. With a total membership of 15,328 and total assets amounting to $195,281,522, we strive to provide a wide range of services tailored to personal and business needs alike. Our offerings include checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We also prioritize convenience with online banking options and a drive-thru for quick transactions. At the core of Merco's mission is our dedication to empowering members through accessible financial services while giving back to the community we cherish. We believe that when individuals thrive financially, entire communities flourish. This belief drives us to support local initiatives and partnerships that uplift residents in Merced and beyond. Our operating hours are designed to fit busy schedules: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 10:00 AM to 2:00 PM. In addition to lobby services, we offer an ATM for easy access and drive-thru banking for your convenience. While you can visit us at our branch location, official correspondence should be directed to PO Box 2955, Merced, CA 95344. Our friendly team is always ready to assist you with any inquiries or services you may need; simply give us a call at (209) 723-4285. Join us at Merco and experience firsthand how we can help you achieve your financial goals while being part of a caring community. Together, let's build a brighter future! For more information about our services or to become a member today, please visit [our website]( https://www.merco.org ).

Branch Location & Accessibility

Easy Access and Parking

At Merco, we prioritize accessibility. Our branch is ADA compliant, featuring ramps for easy entry. Ample parking is available right outside, making it easy for you to pop in and out whenever you need assistance. Plus, if you prefer not to leave your car, our drive-thru banking service allows you to conduct simple transactions without stepping inside.

Get in Touch!

Have questions? Give us a call at 209-723-4285. Our dedicated staff is ready to assist you with any inquiries or concerns. We invite you to visit us soon at Merco where convenience meets community!

Operating Hours Designed for You

We understand that life can get busy! That's why we offer flexible operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 10:00 AM to 2:00 PM. Whether you're on your way to work or running errands over the weekend, we're here when you need us.

Services Tailored to Your Needs

Our branch provides a variety of personal banking services designed to meet your needs from checking and savings accounts to auto loans and credit cards with rewards. We also offer online and mobile banking options for added convenience. If you're looking for straightforward transactions, our drive-thru service handles deposits and withdrawals quickly and efficiently. While members can visit us at 1911 M St, official correspondence should be sent to our mailing address at PO Box 2955, Merced, CA 95344.

Member Eligibility

At Merco, we believe that becoming a member is about joining a supportive community where your financial needs are our top priority. If you're looking to be part of something special, you'll be pleased to know that eligibility is open to individuals who live, work, or worship in our community. We strive to make the membership process as welcoming and straightforward as possible. By choosing Merco, you'll gain access to a variety of benefits designed to help you achieve your financial goals, from competitive loan rates to personalized service tailored just for you. Ready to join? You can easily open an account by visiting us at our branch located at 1911 M St Merced Ca 95340 or give us a call at (209) 723-4285 for more information. To check the most up-to-date eligibility criteria, feel free to visit our website at . We can't wait to welcome you into the Merco family!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

Imagine processing payments easily while serving your customers. Our merchant services simplify transactions so you can focus on what you do best running your business. From credit card processing to online payment solutions, we provide tools that help streamline your operations and enhance customer satisfaction. Located conveniently at 1911 M St Merced Ca 95340, Merced, CA, our team is ready to assist you with personalized service tailored to your specific business needs. Let's work together to achieve your goals! For more information, call us at (209) 723-4285 or visit us online at https://www.merco.org .

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM facilities provide easy access for withdrawals and balance checks whenever you need them. For those who prefer face-to-face interactions but are short on time, our drive-thru banking allows you to handle deposits and withdrawals without leaving your car. At Merco, we pride ourselves on being more than just a credit union; we are a part of the community committed to helping you achieve financial wellness. To learn more about how we can assist you with any of these services or if you're ready to become a member, don't hesitate to reach out! Call us at (209) 723-4285 or visit us online at https://www.merco.org . We look forward to serving you!

Business Banking

If you're a small business owner, Merco has got your back! From merchant services that simplify payment processing to business loans that help expand your operations, our business banking services are designed with entrepreneurs in mind.

Credit Cards with Rewards

Want to earn rewards while you spend? Our credit cards come with exciting rewards programs, allowing you to benefit from your everyday purchases. It's not just about borrowing; it's about earning while you do so!

Home Financing

For those looking to buy a home or refinance an existing mortgage, we have tailored mortgage loans that cater to your unique situation. Our experienced staff will guide you through the process, making it easier for you to secure the home of your dreams.

Online & Mobile Banking

We understand that convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking features. With 24/7 access to your accounts through our user-friendly app and website, managing your finances has never been easier. You can check balances, transfer funds, pay bills, and even send money directly to friends or family all at your fingertips.

Personal Banking

Whether you're opening your first checking account or looking for a reliable savings option, Merco offers various personal banking solutions. Our checking and savings accounts are crafted to fit different lifestyles, helping you manage your money effectively. If you're thinking about purchasing a car, our auto loans and vehicle financing options can help get you on the road quickly and affordably.

Personal Loans

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services. Whether it's for medical bills, home repairs, or just to give yourself a little cushion, we're here to support you with flexible repayment options.

Digital & Online Banking

Key Features

One of the standout features at Merco is our electronic signature authorization. This means you can complete documents securely from the comfort of your home without needing to visit a branch. Additionally, we offer e-statements, allowing you to receive your account statements electronically. This not only helps reduce paper waste but also ensures that your financial information is readily accessible. For those who enjoy using mobile technology, our mobile application is available for download, making it easy to bank on-the-go. You can even make person-to-person transfers effortlessly send money to friends or family in an instant!

Security and Accessibility

We prioritize your security with robust measures in place to protect your personal information. You can bank confidently knowing that your data is safe with us. Our user-friendly interface allows you to navigate through features seamlessly, making real-time account management a breeze. Experience the convenience of modern banking with Merco. With our extensive digital services, managing your finances has never been more straightforward!

Financial Strength

A Dedicated Team for You

We also take pride in having 42 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 26,101, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Merco is your trusted partner. Visit us at 1911 M St Merced Ca 95340 or call (209) 723-4285 to learn more about how we can help you achieve your financial goals.

Commitment to Innovation and Growth

Our dedication to serving you is reflected in our $16,679,668 in undivided earnings. We reinvest these funds into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better.

Member-Centric Savings

Members' savings are secured through $38,029,127 in share certificates and $8,853,392 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,537,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $20,889,355, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,105 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

With $4,900 in used auto loans and $135,895,072 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is highlighted by our $510,894, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $96,267,869 in used vehicle loans and $13,839,817 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used option, we have competitive rates and flexible terms to suit your needs.

Credit Lines

For those who need ongoing access to funds, our credit lines totaling $13,500,000 provide an excellent safety net for emergencies or unexpected expenses. This option allows you to borrow as needed without the hassle of applying for a new loan each time. At Merco, we're dedicated to providing quality financial services tailored to your specific needs. For more information about our loan offerings or to discuss which product is right for you, don't hesitate to contact us at (209) 723-4285 or visit us at 1911 M St Merced Ca 95340 in Merced, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,835,109, make buying or refinancing simple. We provide personalized service to ensure you find the right mortgage solution for your situation. If you're considering refinancing your current mortgage, our team can assist you in exploring eligibility options that might save you money.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $4,496,428 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your budget in check.

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Merco