Merced School Employees


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

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.71% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
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 $627.04 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 $627.04 million
Loans $226.76 million
Deposits $557.61 million
Capital $62.54 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 - March 1, 2021

Your Current Location: Connecticut, CT 06828

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 - March 1, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.942% 2.875% 0.88 $2,180 $1,038 Learn More
First Internet Bank
NMLS ID: 424182
2.940% 2.875% 0.88 $2,112 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
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

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.

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Merced School Employees Locations

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
1.69% 4.42

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 September 30, 2020, Merced School Employees had $996,318 in non-current loans and $100,458 in owned assets. To cover these potential losses it had $62,541,413 in net worth and $2,336,969 in loans loss reserves. That gives it a Texas Ratio of 1.69%.

Net Worth
Merced School Employees U.S. Average
9.97% 12.91%

Merced School Employees FCU has a net worth of 9.97% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Merced School Employees

Branches and Savings

What is Merced School Employees?

A federal credit union, registered with the NCUA under certificate #9119.
Learn more about credit unions here.

Is Merced School Employees FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Merced School Employees is insured by the NCUA.

Who can join Merced School Employees?

Please see Field of Membership information above for information on who is eligible to join.

What are Merced School Employees's share account and share certificate rates?

Merced School Employees's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Merced School Employees?

Merced School Employees has total capital of $62.54 million. Full information on Merced School Employees's financial position is located above.

Who owns Merced School Employees?

Credit Unions are owned by their members.

Where are Merced School Employees branches located?

See branch locations nearby.

Are Merced School Employees ATMs Open 24/7?

Do Merced School Employees ATMs accept cash deposits?

Can Merced School Employees customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Merced School Employees have a mobile app?

Does Merced School Employees have mobile deposit?

Does Merced School Employees have quick pay?

How can Merced School Employees transfer money to other banks or credit unions?

Does Merced School Employees report to credit bureaus?

Does Merced School Employees use Chexsystems?

Does Merced School Employees use Equifax?

What is Merced School Employees's toll free phone number?

What is Merced School Employees's ACH Routing Number?

What is Merced School Employees's SWIFT code?

Where can I find Merced School Employees's wire transfer form?

What is the Merced School Employees address for deposits?

What Products Does Merced School Employees Offer

Does Merced School Employees offer mortgages?

Compare mortgage rates here.

Does Merced School Employees offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Merced School Employees offer auto and RV loans?

Compare auto loan rates here.

Does Merced School Employees offer student loans or personal loans?

Compare personal loan rates here.

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