Merced School Employees Federal Credit Union


P O Box 1349
Merced, CA 95341
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Merced School Employees is an NCUA insured institution located in Merced, CA. It was founded in 1954 and has approximately $717.34 millions in assets.

Who can join?

Our membership consists of all school employees in Merced and Mariposa Counties, MSEFCU and McClatchy Publishing employees, including the list below:
• School Employees of Merced and Mariposa Counties
• UC Merced Employees
• Merced College Employees
• MSEFCU Employees
• McClatchy Publishing Employees
• High School Students of Merced and Mariposa Counties
• UC Merced Students
• Merced College Students (enrolled in 6 units or more)
• Retired School Employees from Merced and Mariposa Counties
• Spouse of a Deceased Primary Member
If you joined the credit union as a primary member, you family and household members may also be eligible for membership:
• Spouse
• Sons and Daughters
• Sons In-Law and Daughters In-Law
• Father and Mother
• Fathers In-Law and Mothers In-Law
• Sisters and Brothers
• Sisters In-Law and Brothers In-Law
• Grandchildren
• Grandparents
• Household Members

NCUA Insured Yes / Federally Chartered
Charter Number # # 9119
Date Established 1954
Assets $717.34 million
Loans $234.17 million
Deposits $647.84 million
Capital $65.30 million

Field of Membership Restrictions

Membership is open to school employees and high school students of Merced and Mariposa counties. Membership is also open to Merced College employees, UC Merced employees and students, employees of McClatchy Publishing, and family of existing credit union members.

Deposit Rates - November 26, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for Merced School Employees

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Note to Merced School Employees
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Advertiser Disclosure

Loan Rates - November 26, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MERCED SCHOOL EMPLOYEES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 1907
3.116% 2.990% 0.63 $4,062 $1,053 Learn More
Beeline Loans, Inc.
NMLS ID: 1799947
3.041% 3.000% 0.50 $1,328 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Merced School Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Merced School Employees Locations

Climate Initiatives

MERCED SCHOOL EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Merced School Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Merced School Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Merced School Employees U.S. Average
1.50% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, Merced School Employees had $944,458 in non-current loans and $70,369 in owned assets. To cover these potential losses it had $65,303,074 in net worth and $2,268,539 in loans loss reserves. That gives it a Texas Ratio of 1.50%.

Net Worth
Merced School Employees U.S. Average
9.1% 12.22%

Merced School Employees FCU has a net worth of 9.1% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.


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