--- title: "Mercer County Community Credit Union Rates (Nov 2026): Vehicle 4.99%" description: "Mercer County Community Credit Union rates today: vehicle loans from 4.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Mercer County Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/mercer-county-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mercer County Community Credit Union Rates (Nov 2026): Vehicle 4.99% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **63-Month New Auto Loan** auto_new_63mo | 4.990% APR | 4.990% | 63 mo · new | Standard | | **63-Month Used Auto Loan** auto_used_63mo | — APR | 4.990% | 63 mo · used | Standard | | **75-Month Used RV Loan** rv_used_75mo | — APR | 6.990% | 75 mo · used | Standard | Mercer County Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HOME EQUITY LOC 2ND LIEN** heloc_variable | — APR | 6.750% | — | Standard | Mercer County Community Credit Union heloc rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 9.490% APR | 9.490% | — | Standard | Mercer County Community Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Certificate** cd_36mo | — APY | 3.00% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.00% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.25% | 12 mo | Standard | | **9-Month Certificate** cd_9mo | — APY | 3.52% | 9 mo | Standard | Mercer County Community Credit Union savings & cd rates as of November 12, 2026 Vehicle loans available from 4.99% APR for 63 months. Credit card rates from 9.49% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/mercer-county-community) , verified from [Mercer County Community Credit Union's official website](https://www.mercomfcu.org/) Best product position **Better than the Pennsylvania median** new-car loan Gap to state best **50 bp** 50 bp from state best Vs. state median **51 bp better than median** new-car loan Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.99% | Better than the Pennsylvania median | 50 bp from state best | 51 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Mercer County Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=mercer-county-community&state=pennsylvania&code=PA&name=Mercer%20County%20Community%20Credit%20Union) Loading branch locator… ## About Mercer County Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.2K Assets $114.1M Founded 1957 Locations reported 2 NCUA charter 11891 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships - Credit-builder products 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. [**Pennstar** Pennstar Federal · Hermitage · PA · 16148-3402 About 1.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/pennstar) [**Top Tier** Top Tier Federal Credit Union Hermitage Branch · Hermitage · PA · 16148-2716 About 2.1 miles away](https://rateapi.dev/credit-unions/pennsylvania/top-tier) [**Seven Seventeen** Hubbard Office · Hubbard · OH · 44425-1750 About 9.8 miles away](https://rateapi.dev/credit-unions/ohio/seven-seventeen) [**Bessemer System** Bessemer System FCU · Greenville · PA · 16125 About 13.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/bessemer-system) [**GNC Community** Wilmington Branch · New Castle · PA · 16105-1233 About 13.3 miles away](https://rateapi.dev/credit-unions/pennsylvania/gnc-community) [**First Choice** First Choice FCU · New Castle · PA · 16105-1232 About 13.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/first-choice) 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 Mercer County Community Credit Union Membership eligibility from Mercer County Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Mercer County Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location mercer, lawrence, venango, crawford, mahoning, trumbull, columbiana — PA, OH Verified from [Mercer County Community Credit Union's membership page](https://www.mercomfcu.org/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Mercer County Community Credit Union Geography 7 counties · Family 29 published paths to membership, last verified August 27, 2026, quoted from Mercer County Community Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Columbiana County, OH - Crawford County, PA - Lawrence County, PA - Mahoning County, OH - Mercer County, PA - Trumbull County, OH - Venango County, PA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Mercer County, PA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “To qualify to become a member, you or an immediate family member* must live, work, worship, or attend school in one of the following counties: Mercer, Lawrence, Venango, or Crawford in PA, or Mahoning, Trumbull, or Columbiana in Ohio.” > [source ↗](https://www.mercomfcu.org/about-us/) - Family member (immediate family) of a member 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 Mercer County Community Credit Union? Yes No ## Work at Mercer County Community 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 Mercer County Community Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Mercer County Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=mercer-county-community&state=pennsylvania&code=PA&name=Mercer%20County%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Mercer County Community Credit Union offer? Mercer County Community Credit Union currently offers vehicle loan, HELOC, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Mercer County Community Credit Union rates updated? RateAPI verifies Mercer County Community 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 Mercer County Community Credit Union's rate data? Rate data is collected directly from Mercer County Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Mercer County Community Credit Union's auto & rv loan rates? As of November 12, 2026, Mercer County Community Credit Union offers vehicle loans from 4.99% APR. ### Who can join Mercer County Community Credit Union? Mercer County Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 29 published membership paths covering 7 counties for Mercer County Community Credit Union, each quoted from Mercer County Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Mercer County Community Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.mercomfcu.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 Mercer County Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania 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 Mercer County Community Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /mercer-county-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mercer County Community 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/pennsylvania/mercer-county-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp