Credit union · NCUA insured
MERCO Credit Union CD Rates
MERCO Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How MERCO Credit Union’s CD rates compare
Compared with banks and credit unions near Merced, CA, where MERCO Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MERCO Credit Union
4.00%APY
- Term
- 6–60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- —
Term Certificates
Top rate
Travis Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $652
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
MERCO Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.20%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where MERCO Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Certificates
Up to 4.00%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.70% | $134 |
| 6–60 monthsFlex Term Promotion (6-60 Months) | 4.00% | $198 |
| 9 months | 3.25% | $243 |
| 12 months | 2.95% | $295 |
| 24 months | 3.20% | $650 |
| 30 months | 3.20% | $819 |
| 60 months | 3.20% | $1,706 |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 7 terms
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 2.75% | 2.75% | $137 |
| 6–60 monthsFlex Term Promotion (6-60 Months) | 4.00% | — | 4.00% | $198 |
| 9 months | — | 3.30% | 3.30% | $246 |
| 12 months | — | 3.00% | 3.00% | $300 |
| 24 months | — | 3.25% | 3.25% | $661 |
| 30 months | — | 3.25% | 3.25% | $832 |
| 60 months | — | 3.25% | 3.25% | $1,734 |
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This may be incomplete or out of date, so check with the credit union before you apply.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.