Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
MERCK SHARP and DOHME Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 14, 2026
MERCK SHARP and DOHME's top rates as of October 14, 2026 are 4.15% APY on its Jumbo CDs - 24-Month CD, 0.30% APY on savings, 2.15% APY on money market accounts, 7.38% on its 30 Year Fixed mortgage, personal loans from 7.49% APR, and credit cards from 13.65% APR, according to rates verified by MonitorBankRates. Other MERCK SHARP and DOHME CD rates include CDs - 12-Month at 4.05%, CDs - 24-Month at 4.00%, and Jumbo CDs - 60-Month at 3.90%. MonitorBankRates evaluates the financial stability of MERCK SHARP and DOHME with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.82%. Rates last updated and verified on 10/14/2026.
MERCK SHARP and DOHME money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at MERCK SHARP and DOHME? Share your experience about MERCK SHARP and DOHME by leaving a review below, or read customer reviews before you decide to use MERCK SHARP and DOHME.
MERCK SHARP and DOHME has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
MERCK SHARP and DOHME has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.82%
ExcellentLower than avg
MERCK SHARP and DOHME Texas Ratio
MERCK SHARP and DOHME's Texas Ratio is 1.82%, which is considered excellent and is lower than the national average of 6.13%.
MERCK SHARP and DOHME has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.33% to 1.82% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
MERCK SHARP and DOHME CD Rates
Product
Rate
APY
Term
View More
Jumbo Certificates - 24-Month
4.073%
4.15%
24-Month
Min Balance$25,000
DetailsBalance: Average Daily Balance; Minimum balance on all JUMBO certificates is $25,000; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
Sep 18, 20264.15%▲ from 3.90%
Sep 14, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Certificates - 12-Month
3.977%
4.05%
12-Month
Min Balance$500
DetailsMinimum balance on certificates is $500; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
Sep 18, 20264.05%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Certificates - 24-Month
3.928%
4.00%
24-Month
Min Balance$500
DetailsMinimum balance on certificates is $500; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Sep 18, 20264.00%▲ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Jumbo Certificates - 60-Month
3.832%
3.90%
60-Month
Min Balance$25,000
DetailsBalance: Average Daily Balance; Minimum balance on all JUMBO certificates is $25,000; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Certificates - 18-Month
3.784%
3.85%
18-Month
Min Balance$500
DetailsMinimum balance on certificates is $500; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Certificates - 6-Month
3.735%
3.80%
6-Month
Min Balance$500
DetailsMinimum balance on certificates is $500; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Jumbo Certificates - 36-Month
3.735%
3.80%
36-Month
Min Balance$25,000
DetailsBalance: Average Daily Balance; Minimum balance on all JUMBO certificates is $25,000; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Certificates - 60-Month
3.687%
3.75%
60-Month
Min Balance$500
DetailsMinimum balance on certificates is $500; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Certificates - 36-Month
3.59%
3.65%
36-Month
Min Balance$500
DetailsMinimum balance on certificates is $500; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Certificates - 3-Month
1.982%
2.00%
3-Month
Min Balance$500
DetailsMinimum balance on certificates is $500; Penalties for early withdrawal apply
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 1.60% → 2.00% ▲ 0.40 pts · high 2.00% / low 1.60%
Sep 18, 20262.00%▲ from 1.60%
Sep 14, 20261.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
MERCK SHARP and DOHME Savings Rates
Product
Rate
APY
View More
IRA Savings
0.30%
0.30%
DetailsRates effective as of 9/18/2026
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Savings
0.15%
0.15%
DetailsRates effective as of 9/18/2026
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Standard Savings
-
0.15%
Min Deposit$5
Min Balance$50
DetailsUp to 0.15% APY; dividends compounded daily and credited monthly if $50 is maintained in the account; ABA number 231386645 for automatic deposits; Online and Mobile Banking access
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
MERCK SHARP and DOHME Money Market Rates
Product
Rate
APY
View More
Money Market Accounts
2.129%
2.15%
Min Balance$80,000
DetailsBalance: $80,000 +
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Money Market Accounts
1.588%
1.60%
Min Balance$20,000
DetailsBalance: $20,000 - $79,999
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Money Market Accounts
0.896%
0.90%
Min Balance$2,500
DetailsBalance: $2,500 - $19,999
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 6 times
1 change since Sep 27, 2026 · 7.19% → 7.44% ▲ 0.25 pts · high 7.44% / low 7.19%
Oct 2, 20267.44%▲ from 7.19%
Sep 27, 20267.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
MERCK SHARP and DOHME Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
5-Year Home Equity
-
-
5.24%
5-Year
DetailsLTV: Up to 80%
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
7-Year Home Equity
-
-
5.49%
7-Year
DetailsLTV: Up to 80%
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
10-Year Home Equity
-
-
5.74%
10-Year
DetailsLTV: Up to 80%
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
5-Year Home Equity
-
-
5.74%
5-Year
DetailsLTV: 81% to 90%
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
Oct 14, 20265.74%▲ from 5.24%
Sep 14, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
15-Year Home Equity
-
-
5.99%
15-Year
DetailsLTV: Up to 80%
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
7-Year Home Equity
-
-
5.99%
7-Year
DetailsLTV: 81% to 90%
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
Oct 14, 20265.99%▲ from 5.49%
Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
10-Year Home Equity
-
-
6.24%
10-Year
DetailsLTV: 81% to 90%
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
Oct 14, 20266.24%▲ from 5.74%
Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Home Equity Line of Credit
-
-
6.25%
DetailsAs Low As; Variable rate based on WSJ Prime Rate minus 0.75% with floor of 3.99% and ceiling of 18.00%; maximum LTV 90%; available in PA & NJ only
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
Sep 22, 20266.25%▲ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
15-Year Home Equity
-
-
6.49%
15-Year
DetailsLTV: 81% to 90%
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Oct 14, 20266.49%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Home Equity Line of Credit - Interest Only
-
-
7.00%
DetailsIndex: Same as Wall Street Journal Prime Rate; APR (Up to 80% LTV); rate adjusts monthly/quarterly with WSJ Prime, floor 3.99%, ceiling 18.00%; line based on max 80% LTV; $150 application fee; no fee waivers for My Advantage; available in PA & NJ only
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 22, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
MERCK SHARP and DOHME Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used Vehicle Loans
-
-
4.99%
Up to 60 Months
DetailsQualifying used vehicles model years 2019-2026; Rates effective as of 10/1/2026; Subject to credit review; My Advantage discount does not apply
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
New & Used Vehicle Loans
-
-
5.24%
61 to 72 Months
DetailsQualifying used vehicles model years 2019-2026; Rates effective as of 10/1/2026; Subject to credit review; My Advantage discount does not apply
Last Updated10/14/2026
Rate History
No change since Sep 27, 2026 · 5.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
New & Used Vehicle Loans
-
-
5.74%
73 to 84 Months
DetailsQualifying used vehicles model years 2019-2026; Rates effective as of 10/1/2026; Subject to credit review; My Advantage discount does not apply
Last Updated10/14/2026
Rate History
No change since Sep 27, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
8-10-Year-Old Vehicle Loan
-
-
6.99%
Up to 60 months
DetailsQualifying used vehicles model years 2016-2018; My Advantage discount does not apply; Subject to credit review
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
MERCK SHARP and DOHME RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loans
-
6.99%
Up to 5 years
DetailsLoan amount: Up to $40,000; APR subject to change without notice; My Advantage discount does not apply
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
RV New & Used Loans
-
7.24%
5, 7, 10 years
DetailsTerm: 5, 7, 10 years; Recreational New Vehicle-Current model year or purchased within 6 month of application date; Recreational Used Vehicle - RV up to 15 years old and with less than 75,000 miles; Minimum loan $5,000; maximum loan $200,000
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
RV New & Used Loans
-
7.49%
15 and 20 years
DetailsTerm: 15 and 20 years; Recreational New Vehicle-Current model year or purchased within 6 month of application date; Recreational Used Vehicle - RV up to 15 years old and with less than 75,000 miles; Minimum loan $5,000; maximum loan $200,000
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
MERCK SHARP and DOHME Credit Card Rates
Product
Rate
APR
View More
VISA Platinum
-
13.65%
DetailsPublished APR range: 13.65% - 18.00%. Credit Card; APR is based on creditworthiness and varies with the Prime Rate
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 9.90% → 13.65% ▲ 3.75 pts · high 13.65% / low 9.90%
Sep 18, 202613.65%▲ from 9.90%
Sep 14, 20269.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
VISA Platinum Rewards
-
15.25%
DetailsPublished APR range: 15.25% - 18.00%. Credit Card; APR is based on creditworthiness and varies with the Prime Rate
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 15.25% ▲ 3.75 pts · high 15.25% / low 11.50%
Sep 18, 202615.25%▲ from 11.50%
Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
VISA vigorTM Signature Rewards
-
15.25%
DetailsPublished APR range: 15.25% - 18.00%. Credit Card; APR is based on creditworthiness and varies with the Prime Rate
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 15.25% ▲ 3.75 pts · high 15.25% / low 11.50%
Sep 18, 202615.25%▲ from 11.50%
Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
VISA Wonder Platinum Rewards Credit Card
-
18.00%
DetailsCredit Card; APR is based on creditworthiness and varies with the Prime Rate
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
MERCK SHARP and DOHME Personal Loan Rates
Product
APR
Term
View More
Personal Loan Specials
7.49%
5-Year (60 month)
DetailsAPR*; Rate subject to change without notice
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 7.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Personal Loan Specials
7.49%
6-Year (72 month)
DetailsAPR*; Rate subject to change without notice
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 7.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Personal Loan Specials
7.49%
7-Year (84 month)
DetailsAPR*; Rate subject to change without notice
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 7.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
TAP a Personal Line of Credit
10.99%
DetailsAs Low As; Variable rate, subject to change based on Prime Rate + 3.99% as published in the Wall Street Journal with a floor of 7.99% and a ceiling of 18.00%; My Advantage discount does not apply; Rate effective 09/17/2026
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 10.75% → 10.99% ▲ 0.24 pts · high 10.99% / low 10.75%
Sep 18, 202610.99%▲ from 10.75%
Sep 14, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
VISA vigorTM Signature Rewards
15.25%
DetailsPublished APR range: 15.25% - 18.00%. Credit Card; APR is based on creditworthiness and varies with the Prime Rate
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 15.25% ▲ 3.75 pts · high 15.25% / low 11.50%
Sep 18, 202615.25%▲ from 11.50%
Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
MERCK SHARP and DOHME Other Rates
Product
Rate
Points
APY/APR
Term
View More
Collateralized Loan
-
-
5.49%
Up to 60 months
DetailsAuto title to a 'free and clear' vehicle, seven years old or newer for up to 60 months
Last Updated10/14/2026
Rate History
1 change since Sep 18, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49%
Oct 14, 20265.49%▼ from 5.74%
Sep 18, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Graduate Loan
-
-
5.49%
DetailsVariable Rate; Repayment term of 20 or 25 years; APR range: 5.49% - 13.50% APR; Amount: Up to $50,000
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Jersey College School of Nursing Line of Credit
-
-
6.00%
15 months
DetailsTerm: 15-year Repayment Term; Published APR range: 6.00% - 14.50%. Student Loans Fixed; Amount: Up to $50,000
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Jersey College School of Nursing Line of Credit
-
-
6.25%
DetailsVariable Rate; Repayment terms of 20 or 25 years; APR range: 6.25% - 14.75% APR**; Amount: Up to $50,000
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Refinance
-
-
4.99%
5 months
DetailsTerm: 5-year Repayment Term; Published APR range: 4.99% - 10.50%. Student Loans Fixed; Amount: Up to $75,000
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Refinance
-
-
5.49%
10 months
DetailsTerm: 10-year Repayment Term; Published APR range: 5.49% - 11.00%. Student Loans Fixed; Amount: Up to $75,000
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Refinance
-
-
5.99%
15 months
DetailsTerm: 15-year Repayment Term; Published APR range: 5.99% - 11.50%. Student Loans Fixed; Amount: Up to $75,000
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Refinance
-
-
5.25%
DetailsVariable Rate; Repayment terms of 5, 10 or 15 year; APR range: 5.25% - 11.25% APR; Amount: Up to $50,000
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 5.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Undergraduate Loans
-
-
4.24%
10 months
DetailsTerm: 10-year Repayment Term; Published APR range: 4.24% - 12.25%. Student Loans Fixed; Amount: Up to $50,000
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Undergraduate Loans
-
-
5.00%
DetailsVariable Rate; Repayment term of 20 or 25 years; APR range: 5.00% - 14.00% APR; Amount: Up to $50,000
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 5.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
Financial Health History
MERCK SHARP and DOHME’s Texas Ratio stayed near 1.33% in Q3 2023 to 1.82% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.0B
1.82%
5.0
A+
March 31, 2026
$1.0B
1.25%
5.0
A+
December 31, 2025
$961M
1.20%
5.0
A+
September 30, 2025
$930M
2.36%
5.0
A+
June 30, 2025
$929M
1.53%
5.0
A+
March 31, 2025
$923M
1.85%
5.0
A+
December 31, 2024
$851M
1.97%
5.0
A+
September 30, 2024
$842M
1.27%
5.0
A+
June 30, 2024
$832M
1.33%
5.0
A+
March 31, 2024
$858M
1.09%
5.0
A+
December 31, 2023
$794M
1.39%
5.0
A+
September 30, 2023
$787M
1.33%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for MERCK SHARP and DOHME is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather MERCK SHARP and DOHME rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with MERCK SHARP and DOHME's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
110,170,997
Total Uninsured Shares and Deposits > $250K (F+J)
110,170,997
Total Insured Shares and Deposits > $250K (item 17 less item K)
803,223,447
Total Interest Expense (Sum of items 6 8)
9,380,715
Share Certificates
8,243
Number of Accounts for Share Drafts
20,614
IRA KEOGH Accounts
1,786
Number of Accounts for Regular Shares
39,276
Money Market Shares
5,103
Net Income (unless the amount is already included in Undivided Earnings)
3,957,696
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
97,828,203
Total Liabilities
924,640,444
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
MERCK SHARP and DOHME earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About MERCK SHARP and DOHME
How many branches does MERCK SHARP and DOHME operate?
MERCK SHARP and DOHME currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join MERCK SHARP and DOHME?
Yes, to access services at MERCK SHARP and DOHME, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, MERCK SHARP and DOHME does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, MERCK SHARP and DOHME provides members with tools to manage their accounts and build a solid financial history.
Does MERCK SHARP and DOHME offer online and mobile banking?
Most modern institutions like MERCK SHARP and DOHME provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.msdfcu.org.
Current MERCK SHARP and DOHME Rates
12-Month CD4.05%
18-Month CD3.85%
24-Month CD4.00%
60-Month CD3.75%
Savings0.30%
MMA2.15%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
