Merco Federal Credit Union

Headquarters: Merced, California
Charter: Credit Union
Assets: $207.3M
Fed district: San Francisco

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Mar 17, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $2.50, the middle of its prices
Merco Federal Credit Union: $0 to $5
Merco Federal Credit Union: $0 to $5
U.S. median: no median
Overdraft (OD)
Merco Federal Credit Union: $14
Merco Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
Merco Federal Credit Union: $14
Merco Federal Credit Union: $14
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Merco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge (avg. daily bal less than $250) (2) (3)$5
per month
Personal Checking Monthly FeeNo charge
per month
Membership Close (if closed within 6 months of open)$20
Dormant & Low Balance Account (1) (2)$5
Account Research (per hour)/min. 1 hour$20
Not compared: Charged per hour; comparison unavailable
per hour
Excess Withdrawal (>3 per month)$10
Not compared: Monthly charge, not per item
per month
Returned Mail$5

Overdraft & NSF

Courtesy Pay Overdraft Paid per presentment (audience not stated, treated as personal)$14
per item
NSF Overdraft (Opt-in Required) per presentment$14
per item
NSF (recurring) per presentment$14
per item

ATM & Card

Card ReplacementNo charge

Wire Transfers

Wire Transfers Outgoing (Domestic)$20
Wire Transfers Incoming (All)$10
Wire Transfers Outgoing (Foreign)$40

Check Services

Official Check payable to 3rd party (3 per month free)$5
Not compared: Monthly charge, not per item
per month
Official Checks payable to 3rd parties (audience not stated, treated as personal)$5
Money Order (3 per month free)$5
Not compared: Monthly charge, not per item
per month
Money Orders (audience not stated, treated as personal)$5
ACH Stop Payments (ea.)$20
DEPOSIT ACCOUNTS: Fee: Stop Payment (Check/Draft/ACH) 1 item or range$20
per item
Official Checks - Stop Payment$20
Temporary Checks$5
per item · 8 checks, first set free to new accounts
Temporary Checks (8 checks) First set free to new accts$5
Check Copies (2 copies per month free)$3
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Returned Deposit Item (ea.)$14

Account Services

Levy/Garnishment (per notice)$25
per item
VOD's (Verification of Deposits)$5

Other Fees

Statement Copy (per statement period)$3
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge (avg. daily bal less than $250) (2) (3)	$5	per month	None
Personal Checking Monthly Fee	No charge	per month	None
Membership Close (if closed within 6 months of open)	$20	Not stated	None
Dormant & Low Balance Account (1) (2)	$5	Not stated	None
Account Research (per hour)/min. 1 hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Withdrawal (>3 per month)	$10Not compared: Monthly charge, not per item	per month	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Overdraft Paid per presentment (audience not stated, treated as personal)	$14	per item	None
NSF Overdraft (Opt-in Required) per presentment	$14	per item	None
NSF (recurring) per presentment	$14	per item	None
ATM & Card
Card Replacement	No charge	Not stated	None
Wire Transfers
Wire Transfers Outgoing (Domestic)	$20	Not stated	None
Wire Transfers Incoming (All)	$10	Not stated	None
Wire Transfers Outgoing (Foreign)	$40	Not stated	None
Check Services
Official Check payable to 3rd party (3 per month free)	$5Not compared: Monthly charge, not per item	per month	None
Official Checks payable to 3rd parties (audience not stated, treated as personal)	$5	Not stated	None
Money Order (3 per month free)	$5Not compared: Monthly charge, not per item	per month	None
Money Orders (audience not stated, treated as personal)	$5	Not stated	None
ACH Stop Payments (ea.)	$20	Not stated	None
DEPOSIT ACCOUNTS: Fee: Stop Payment (Check/Draft/ACH) 1 item or range	$20	per item	None
Official Checks - Stop Payment	$20	Not stated	None
Temporary Checks	$5	per item	8 checks, first set free to new accounts
Temporary Checks (8 checks) First set free to new accts	$5	Not stated	None
Check Copies (2 copies per month free)	$3Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Returned Deposit Item (ea.)	$14	Not stated	None
Account Services
Levy/Garnishment (per notice)	$25	per item	None
VOD's (Verification of Deposits)	$5	Not stated	None
Other Fees
Statement Copy (per statement period)	$3Not compared: Monthly charge, not per item	per month	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Mar 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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