Credit union · NCUA insured
MERCO Credit Union Savings Rates
MERCO Credit Union’s best savings rate is 0.40% APY on $10,000, with its Classic Money Management Account. Rates checked October 16, 2026.
How MERCO Credit Union’s savings 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
0.40%APY
- Minimum
- $0
- Earns on $10,000 a year
- $40
Classic Money Management Account
Top rate
Travis Credit Union
3.50%APY
- Minimum
- $100
- Earns on $10,000 a year
- $350
2nd-highest rate
Citi
3.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $300
MERCO Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier Money Management Account
0.05%APY
Rates are variable and subject to change. Dividends are calculated using the beginning account balance each day, compounded, and paid monthly. Tiered dividends based on balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $19,999Dividend rate for $1-$19,999. Rates variable. | 0.05% | $5 | Dividend rate for $1-$19,999. Rates variable. |
| $20,000 – $49,999Dividend rate for $20,000-$49,999. Rates variable. | 0.40% | — | Dividend rate for $20,000-$49,999. Rates variable. |
| $50,000 and upDividend rate for $50,000 and above. Rates variable. | 0.60% | — | Dividend rate for $50,000 and above. Rates variable. |
Sources (1)
- merco.org/rates · captured Oct 16, 2026
Classic Money Management Account
0.40%APY
Rates are variable and subject to change. Dividends are calculated using the beginning account balance each day, compounded, and paid monthly. Tiered dividends based on balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Dividend rate for $1-$2,499. Rates variable. | 0.05% | — | Dividend rate for $1-$2,499. Rates variable. |
| $2,500 – $7,499Dividend rate for $2,500-$7,499. Rates variable. | 0.30% | — | Dividend rate for $2,500-$7,499. Rates variable. |
| $7,500 and upDividend rate for $7,500 and above. Rates variable. | 0.40% | $40 | Dividend rate for $7,500 and above. Rates variable. |
Sources (1)
- merco.org/rates · captured Oct 16, 2026
Summit Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,999 | 0.05% | — | |
| $2,000 – $4,999Minimum Dividends $2,000 | 0.07% | — | Minimum Dividends $2,000 |
| $5,000 – $7,999Minimum Dividends $5,000 | 0.10% | — | Minimum Dividends $5,000 |
| $8,000 and upMinimum Dividends $8,000 | 0.10% | $10 | Minimum Dividends $8,000 |
Sources (1)
- merco.org/rates · captured Oct 16, 2026
Regular Savings
0.05%APY
Initial $5 deposit opens account upon joining.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.$100 and up | 0.05% | $5 | Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRAs
0.25%APY
Choose from Traditional or Roth IRAs. No application, administrative or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum balance to earn dividends is $500.$500 and up | 0.25% | $25 | Minimum balance to earn dividends is $500. |
Holiday Club Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 16, 2026
Coverdell Education Savings Account
0.05%APY
No application, administrative or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum balance to earn dividends is $500.$500 and up | 0.05% | $5 | Minimum balance to earn dividends is $500. |
Youth Savings
0.05%APY
For members 17 years of age or younger. Parent or guardian required to be joint owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5.$5 and up | 0.05% | $5 | Minimum balance to earn dividends is $5. |
Sources (2)
All captured Oct 16, 2026
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.