--- title: "Mercy Credit Union Rates - Georgia" description: "Current mortgage, and auto loan rates from Mercy Credit Union in Georgia. Updated daily with source verification. See who can join Mercy Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/mercy" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mercy Credit Union Rates - Georgia ### Mortgage rates 8 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.990% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.875% | — | Standard | | **5/5 ARM (up to 80% LTV)** 5 5 arm | — APR | 5.500% | — | Standard | | **5/5 ARM (80.01% - 90% LTV)** 5 5 arm | — APR | 5.625% | — | Standard | | **7/7 ARM (up to 80% LTV)** 7 7 arm | — APR | 5.625% | — | Standard | | **10/10 ARM (up to 80% LTV)** 10 10 arm | — APR | 5.750% | — | Standard | | **7/7 ARM (80.01% - 90% LTV)** 7 7 arm | — APR | 5.750% | — | Standard | | **10/10 ARM (80.01% - 90% LTV)** 10 10 arm | — APR | 5.875% | — | Standard | Mercy Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.900% | — | Standard | Mercy Credit Union auto & vehicle rates as of November 12, 2026 Mercy Credit Union is a credit union in Georgia. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/mercy) , verified from [Mercy Credit Union's official website](https://www.mercyfcu.org/) Loading branch locator… ## About Mercy Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.3K Assets $12.6M Founded 1976 Locations reported 2 NCUA charter 22362 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Financial counseling - Financial education - Credit-builder products - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Geovista** Richmond Hill · Richmond Hill · GA · 31324-4682 About 5.2 miles away](https://rateapi.dev/credit-unions/georgia/geovista) [**Navy Federal Credit Union** Savannah GA · Savannah · GA · 31406 About 6.8 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Georgia's Own** SE Region - Savannah - Mall Blvd. · Savannah · GA · 31406-4863 About 7.3 miles away](https://rateapi.dev/credit-unions/georgia/georgias-own) [**Savannah Schools** MALL BLVD · SAVANNAH · GA · 31406-4863 About 7.3 miles away](https://rateapi.dev/credit-unions/georgia/savannah-schools) [**Georgia Heritage** Stephenson Branch · Savannah · GA · 31405-5492 About 7.5 miles away](https://rateapi.dev/credit-unions/georgia/georgia-heritage) [**Savannah Postal** Savannah Postal Credit Union · Savannah · GA · 31406 About 7.6 miles away](https://rateapi.dev/credit-unions/georgia/savannah-postal) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Mercy Credit Union Membership eligibility from Mercy Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Mercy Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer St Joseph’s/Candler Hospital system Verified from [Mercy Credit Union's membership page](https://www.mercyfcu.org/about.html) . Final membership determination is always made by the credit union. ## Membership rules for Mercy Credit Union Employers 1 published path to membership, last verified November 8, 2026, quoted from Mercy Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of St Joseph’s/Candler Hospital system “Anyone who works for St Joseph’s/Candler Hospital system is eligible to open a Mercy Federal Credit Union account.” > [source ↗](https://www.mercyfcu.org/about.html) - Employee of St Joseph’s/Candler Hospital system Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Mercy Credit Union? Yes No ## Work at Mercy Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Mercy Credit Union ranks against Georgia peers. - See which AI assistants fetched Mercy Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Georgia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=mercy&state=georgia&code=GA&name=Mercy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Mercy Credit Union offer? Mercy Credit Union currently offers mortgage, and Auto loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Mercy Credit Union rates updated? RateAPI verifies Mercy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Mercy Credit Union's rate data? Rate data is collected directly from Mercy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Mercy Credit Union? Mercy Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 employer for Mercy Credit Union, each quoted from Mercy Credit Union's own published membership criteria. ## Related Rate Data Compare Mercy Credit Union's rates against national credit-union benchmarks. [More Georgia credit unions](https://rateapi.dev/credit-unions/georgia) [Georgia mortgage rate leaders](https://rateapi.dev/mortgage-rates/georgia) [Georgia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/georgia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mercyfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Mercy Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Georgia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Mercy Credit Union curl "https://api.rateapi.dev/credit-unions/georgia /mercy " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mercy Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/georgia/mercy Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp