Merced School Employees Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.12% | 5-year CD | 2.27% - National Average |
| 1.36% | 1-year CD | 1.38% - National Average |
| 0.15% | Savings | 0.26% - National Average |
Merced School Employees Federal Credit Union is headquartered in Merced and is the 81st largest credit union in the state of California. It is also the 568th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 105 employees and 40,830 members at 8 locations. Merced School Employees Federal Credit Union's CD rates are 51% higher than the national average, and it has an A health rating.
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.
See current membership details
Work At A Bank But Love My Credit Union
I have been a member since 1983. I do most of my banking through the mail and on the phone. When I do go to the credit union I have always received good service. All of the car loans I have had over the last 20 + years have been through the CU, and the service is GREAT.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 9119 |
| Year Chartered | 1954 |
| Employees | 105 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.92% |
| Return on Equity - YTD | 9.17% |
| Annual Interest Income | $15.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $491.8MM$482.4MM |
| Loans | Q4 2018vs Q4 2017 | $209.0MM$176.3MM |
| Deposits | Q4 2018vs Q4 2017 | $441.4MM$434.4MM |
| Equity Capital | Q4 2018vs Q4 2017 | $49.0MM$46.6MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $2.1MM$2.1MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $455.00K$499.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $115.00K$0 |
Always verify rates and promotions with the bank or credit union. We are not Merced School Employees Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Merced School Employees Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.25% | $1k | - | Redi-Cash | ||
| 0.25% | $5 | - | IRA Accumulator | ||
| 0.25% | $5 | - | Roth Conversion | ||
| 0.25% | $5 | - | Roth IRA | ||
| 0.25% | $5 | - | Coverdell Ed | ||
| 0.20%* | $5k* | $1000k | HSA Checking - Single | ||
| OTHER TIERS: 0.15% → $1 - $5k | |||||
| 0.20%* | $5k* | - | HSA Checking - Family | ||
| OTHER TIERS: 0.15% → $1 - $5k | |||||
| 0.15% | $5 | - | Regular Savings | ||
| 0.15% | $5 | - | Summer Savings | ||
| 0.15% | $5 | - | Irrevocable Trust | ||
| 0.15% | $5 | - | Christmas Club | ||
| 0.15% | $5 | - | Special Savings | ||
| 0.15% | $5 | - | Revocable Trust | ||
| 0.15% | $5 | - | Escrow | ||
Merced School Employees Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $5k | $1000k | Checking |
Merced School Employees Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.12%* | $50k* | $1000k | 5 Year Term Savings | ||
| OTHER TIERS: 2.02% → $2k - $50k | |||||
| 1.87%* | $50k* | $1000k | 4 Year Term Savings | ||
| OTHER TIERS: 1.77% → $2k - $50k | |||||
| 1.61%* | $50k* | $1000k | 3 Year Term Savings | ||
| OTHER TIERS: 1.51% → $2k - $50k | |||||
| 1.56%* | $50k* | $1000k | 2 Year Term Savings | ||
| OTHER TIERS: 1.46% → $2k - $50k | |||||
| 1.36% | $2k | - | 1 Year Term Savings | ||
| 0.85% | $2k | - | 6 Month Term Savings | ||
| 0.75% | $2k | - | 3 Month Term Savings | ||
Merced School Employees Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.61%* | $50k* | $1000k | 3 Year IRA Term | ||
| OTHER TIERS: 1.51% → $2k - $50k | |||||
| 1.61%* | $50k* | - | 3 Year ROTH Conversion IRA | ||
| OTHER TIERS: 1.51% → $2k - $5k | |||||
| 1.61%* | $50k* | $1000k | 3 Year Coverdell Education | ||
| OTHER TIERS: 1.51% → $2k - $50k | |||||
| 1.61%* | $50k* | - | 3 Year ROTH IRA | ||
| OTHER TIERS: 1.51% → $2k - $5k | |||||
| 1.56%* | $50k* | $1000k | 2 Year IRA Term | ||
| OTHER TIERS: 1.46% → $2k - $50k | |||||
| 1.56%* | $50k* | - | 2 Year ROTH Conversion IRA | ||
| OTHER TIERS: 1.46% → $2k - $5k | |||||
| 1.56%* | $50k* | $1000k | 2 Year ROTH IRA | ||
| OTHER TIERS: 1.46% → $2k - $50k | |||||
| 1.56%* | $50k* | $1000k | 2 Year Coverdell Education | ||
| OTHER TIERS: 1.46% → $2k - $50k | |||||
| 1.36% | $2k | - | 1 Year IRA Term | ||
| 1.36% | $2k | - | 1 Year ROTH Conversion IRA | ||
| 1.36% | $2k | - | 1 Year ROTH IRA | ||
| 1.36% | $2k | - | 1 Year Coverdell Education | ||
| Merced School Employees Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 1021 Olivewood Dr | Merced, CA 95348-1218 |
| Branch Office | 1450 S Mercey Springs Rd Ste 104 | Los Banos, CA 93635 |
| Branch Office | 1935 M St | Merced, CA 95340 |
| Branch Office | 101 Bellevue Rd | Atwater, CA 95301 |
| Branch Office | 205 W Olive Ave | Merced, CA 95348 |
| Branch Office | 12961 Le Grand Rd | Le Grand, CA 95333-9737 |
| Branch Office | 16881 Schendel Ave | Delhi, CA 95315 |
| Branch Office | 2121 E Childs Ave | Merced, CA 95341-9516 |