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Learm More | Enroll


Love My Credit Union Rewards

Merritt FCU members receive exclusive discounts and benefits from trusted partners. Start saving today.

For Future Members

Membership eligibility is open to these company employees and their families in Fairfield County. We encourage all of our members to take advantage of the many services that we make available to them.

Interested in becoming a member?

Please let us know. Contact us at: info@merrittfcu.com

Please note:  Email is not a secure method of contact. You should NEVER provide information that is sensitive or confidential through unsecured email. We ask that you take care when contacting us via email and that you do not use email to send sensitive information such as your member number, Social Security number, card number or PIN to us. If you have questions concerning your account that would require providing this type of sensitive information, you should contact the Credit Union by telephone.

You may also apply online through a secure application. Click here to apply online.

Why Join a Credit Union?

Join a credit union and you'll enjoy a variety of benefits!

Great Financial Services

Credit unions provide a place for members to save and get loans at reasonable rates. Other services vary by credit union, and are tailored to meet members' needs. This is one place where member voting comes in; as a member, you get to say what's important to you. Services include:

  • Credit cards with low or no annual fees and low interest rates
  • Direct deposits, cable and wire deposits
  • Financial education and counseling services
  • High interest rates on savings accounts, CDs and money market accounts
  • Investment services
  • Low cost or free checking with low or no minimum balance requirements
  • Low interest rates on mortgages and vehicle loans
  • Notary services
  • Online banking

Personal Attention

Because of the superior personal attention they give to members—and high quality service—credit unions consistently earn higher customer satisfaction ratings when you compare them to banks. In fact, credit unions have consistently ranked highest for service in a Gallup study commissioned by American Banker magazine.

Credit unions employ knowledgeable member service representatives who will work with you to make your financial transactions as easy and convenient as possible—and help you achieve your financial goals.

Better Rates and Lower Fees

Credit unions pass any "profits" they make directly back to members. Because there are no shareholders to keep happy, credit unions are able to offer, on average, better rates and lower fees.

In fact, credit unions typically offer higher rates on savings and certificates—and much lower rates on loans. That’s because all profits come back to the members—not to a board of directors.

And your savings are insured up to $250,000 by the NCUA so your money is safe and secure.

Featured Rates

New Auto Loan

2.50%APR
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  • 60 Month Certificate

    1.50%APY*
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    Holiday Loan Special

    as low as 5.99%APR
    Learn More

    Apply Online

    Life's constant changes demand that you have financial flexibility, and there's no easier way to get it than here at your personal loan company – Merritt Federal Credit Union.


    Save money with today's best personal loan rate, lower your payments to ease the strain on your monthly budget, simplify your life, handle emergencies with ease and gain flexibility with loans you can use for any expense – from vacations, to education, to special purchases

    Get Started


    Why Choose Merritt FCU?

    Membership eligibility is open to SNET, AT&T, Lucent and NyNex employees and their families in Fairfield County. We encourage all of our members to take advantage of the many services that we make available to them.


    Not a member yet? Credit Union membership has its privileges. Here's how you can benefit from using Merritt Federal Employees Federal Credit Union.

    Get Started

    We Are On Facebook

    Merritt Federal Credit Union has created a Facebook page to better communicate news and events with our members. Please connect with us on Facebook.

    Connect Today!


    Stay Safe From Fraud

    Our members expect more convenience, personalization, accessibility and ease of use via web, mobile, social and in-person. At Merritt FCU, we have expanded our fraud prevention resources to meet evolving member expectations.


    Today's trends require a new approach that anticipates, recognizes and services everyone's individual needs. Technology does not prevent human mistakes. You also need a consumer education solution that will help you make less mistakes. As your trusted advisor, we'll expand your understanding of how to stay safe from fraud.

    Get Good Advice & Safety Tips