Founded in 1997, Merrick Bank is a top 20 credit card issuer with nearly 3 million cardholders, offering CDs and vehicle financing. Two credit cards available, including a secured option with a $200-$3,000 deposit. CD terms range from 3 months to 5 years with rates up to 4.1% APY, requiring a $25,000 minimum deposit. No checking or savings accounts offered. Mobile app allows access to FICO scores and account management. FDIC-insured with routing number 124384602. No physical branches available.

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