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Merced School Employees Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.mercedschoolcu.org
209-383-5550
1021 Olivewood Dr
Merced, CA 95348

Merced School Employees Federal Credit Union is headquartered in Merced and is the 72nd largest credit union in the state of California. It is also the 531st largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 113 employees and 50,065 members at 8 locations. Merced School Employees Federal Credit Union's CD rates are 4X 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

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #9119
Year Chartered1954
Employees113
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD11.07%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$826.5MM$782.9MM
LoansQ1 2025vs Q1 2024$310.3MM$312.6MM
DepositsQ1 2025vs Q1 2024$738.4MM$711.2MM
Equity CapitalQ1 2025vs Q1 2024$83.2MM$64.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4MM$3.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.7MM$978K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Redi-Cash
OTHER TIERS: 0.35% → $1k - $100k
0.35%$5-Coverdell Ed
0.30%*$5k*$1000kHSA Checking - Single
OTHER TIERS: 0.25% → $1 - $5k
0.30%*$5k*-HSA Checking - Family
OTHER TIERS: 0.25% → $1 - $5k
0.25%$5-Regular Savings
0.25%$5-Summer Savings
0.25%$5-Irrevocable Trust
0.25%$5-Christmas Club
0.25%$5-Special Savings
0.25%$5-Revocable Trust
0.25%$5-Escrow

Merced School Employees Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$5k$1000kChecking

Merced School Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%*$50k*$1000k2 Year Term Savings
OTHER TIERS: 3.45% → $2k - $50k
3.35%$2k$1000k1 Year Term Savings
3.14%$2k$1000k6 Month Term Savings
3.04%$2k$1000k3 Month Term Savings

Merced School Employees Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%*$50k*$1000k2 Year IRA Term
OTHER TIERS: 3.45% → $2k - $50k
3.56%*$50k*$1000k2 Year ROTH Conversion IRA
OTHER TIERS: 3.45% → $2k - $50k
3.56%*$50k*$1000k2 Year ROTH IRA
OTHER TIERS: 3.45% → $2k - $50k
3.56%*$50k*$1000k2 Year Coverdell Education
OTHER TIERS: 3.45% → $2k - $50k
3.35%$2k-1 Year IRA Term
3.35%$2k-1 Year ROTH Conversion IRA
3.35%$2k-1 Year ROTH IRA
3.35%$2k-1 Year Coverdell Education
0.35%$5-IRA Accumulator
0.35%$5-Roth Conversion
0.35%$5-Roth IRA
Locations


Merced School Employees Federal Credit Union Locations
Branch Office1021 Olivewood DrMerced, CA 95348-1218
Branch Office1890 S Mercy Springs RdLos Banos, CA 93635
Branch Office1935 M StMerced, CA 95340
Branch Office101 Bellevue RdAtwater, CA 95301
Branch Office205 W Olive AveMerced, CA 95348
Branch Office12961 Le Grand RdLe Grand, CA 95333-9737
Branch Office16881 Schendel AveDelhi, CA 95315
Branch Office2121 E Childs AveMerced, CA 95341-9516

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