Credit union · NCUA insured
MERCO Credit Union Credit Card Rates
MERCO Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How MERCO Credit Union’s credit card rates compare
Compared with banks and credit unions near Merced, CA, where MERCO Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MERCO Credit Union
9.99%APR
- Up to
- —
Member Rate Preferred Visa
Lowest rate
Farmers Insurance Federal Credit Union
8.99%APR
- Up to
- 18.00% APR
3rd-lowest rate
Educational Employees Credit Union
10.99%APR
- Up to
- 12.99% APR
MERCO Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Member Cash Preferred Visa
Rates and terms may vary based on individual credit rating and loan amount. Rate adjusts monthly and equals prime rate for previous month, plus a margin range, based on creditworthiness. No annual fee. Earns 2.5% Cash Back / 2.5 Points per $1 spent. 2,500 bonus points when you open your new card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Rate adjusts monthly and equals prime rate for previous month, plus a margin range, based on creditworthiness. Revolving term. |
Member Rate Preferred Visa
Rates and terms may vary based on individual credit rating and loan amount. Rate adjusts monthly and equals prime rate for previous month, plus a margin range, based on creditworthiness. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Rate adjusts monthly and equals prime rate for previous month, plus a margin range, based on creditworthiness. Revolving term. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.