Credit union · NCUA insured
Merck Employees Federal Credit Union
A $1.7B credit union, the 291st largest of 4,329, headquartered in Rahway, NJ, with 23,992 members and 3 branches in 2 states. Best rates: CDs 4.35% and savings 1.00% APY.
Merck Employees Federal Credit Union Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#51 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Merck Employees Federal Credit Union
- Headquarters
- 126 E Lincoln Ave, Rahway, NJ 07065-4607
- NCUA charter
- 1454
Branches
3 branches in 2 states
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New Jersey
2 branches
- RahwayMain office126 E Lincoln Ave, Rahway, NJ 07065Directions
- Upton397 Upton Pl, Rahway, NJ 07065Directions
Virginia
1 branch
- Elkton2778 SE Side Hwy, Elkton, VA 22827Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.45% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.30% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.74% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $18 | $88 | — |
- CapitalNet worth ratio15.45%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.30%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$18Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Merck Employees Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.