Credit union · NCUA insured
MERCO Credit Union Auto Loan Rates
MERCO Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How MERCO Credit Union’s auto loan rates compare
Compared with banks and credit unions near Merced, CA, where MERCO Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MERCO Credit Union
4.74%APR
- Terms
- up to 84 months
- Discount
- None included
Auto Loan
Lowest rate
Merced School Employees Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
Educational Employees Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
MERCO Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MERCO Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Available for new, pre-owned/used vehicles, or refinancing from another lender. Terms available for as long as 84 months (subject to credit approval). Up to 130% or 135% financing available. Rates are competitive and based upon credit history. Receive up to a 0.50% discount on loan rate when setting up payments through payroll deduction.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Rate as low as 4.74% APR for new, pre-owned, or refinance auto loans. Receive up to a 0.50% rate discount with payroll deduction. |
Who can join MERCO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in Merced, Mariposa, Madera, Fresno, or Stanislaus Counties.
Family and household
- Membership is open to family members of an existing MERCO Credit Union account holder who reside in California.
Cost to join
- Joining requires a one-time membership fee of $5.
- Joining requires a deposit of $5 to a savings account.
Membership information collected October 5, 2026.