The MERCO Credit Union All Credit Levels is a cdfi lender from MERCO Credit Union. The ongoing APR is 4.74%. This product reports activity to your personal credit report. MERCO Credit Union is a financial institution based in Merced, CA, focused on providing affordable lending options and financial services to its community. It aims to help everyone in the community succeed by offering competitive rates and a range of banking tools. Services include: auto loans, mortgages, credit cards. US Treasury certified CDFI Credit Union in Merced, CA. Membership required.