Merced School Employees Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.12%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
1.26%	1-year CD	2.65% - Barclays 12 Month Online CD
0.15%	Savings	2.00% - Ally Bank Online Savings Account

View all Merced School Employees Federal Credit Union rates »

Overview / Commentary

mercedschoolcu.org

209-383-5550

1021 Olivewood Dr
Merced, CA 95348-1218

Merced School Employees Federal Credit Union is headquartered in Merced and is the 80^th largest credit union in the state of California. It is also the 565^th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 104 employees and 40,365 members at 8 locations. Merced School Employees Federal Credit Union's CD rates are 40% 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

Reviews (1)

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Work At A Bank But Love My Credit Union

Posted by: Anonymous | Sep 30, 2012

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.

Comment

1

Health

A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	9119
Year Chartered	1954
Employees	104
Primary Regulator

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	10.27%
Annual Interest Income	$11.1MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$490.8MM$485.9MM
Loans	Q3 2018vs Q3 2017	$200.2MM$166.3MM
Deposits	Q3 2018vs Q3 2017	$442.9MM$436.9MM
Equity Capital	Q3 2018vs Q3 2017	$45.8MM$46.8MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$2.0MM$2.2MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$573.00K$207.00K
Real Estate Owned	Q3 2018vs Q3 2017	$202.00K$0

Rates

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Checking
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* 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
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
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
1.51%^*	$50k^*	$1000k	2 Year-Term Savings
OTHER TIERS: 1.41% → $2k - $50k
1.26%	$2k	-	1 Year-Term Savings
0.70%	$2k	-	6 Month-Term Savings
0.40%	$2k	-	3 Month-Term Savings

Merced School Employees Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
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
1.51%^*	$50k^*	$1000k	2 Year IRA Term
OTHER TIERS: 1.41% → $2k - $50k
1.51%^*	$50k^*	-	2 Year ROTH Conversion IRA
OTHER TIERS: 1.41% → $2k - $5k
1.51%^*	$50k^*	$1000k	2 Year ROTH IRA
OTHER TIERS: 1.41% → $2k - $50k
1.51%^*	$50k^*	$1000k	2 Year Coverdell Education
OTHER TIERS: 1.41% → $2k - $50k
1.26%	$2k	-	1 Year IRA Term
1.26%	$2k	-	1 Year ROTH Conversion IRA
1.26%	$2k	-	1 Year ROTH IRA
1.26%	$2k	-	1 Year Coverdell Education

Locations

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 953339737
Branch Office	16881 Schendel Ave	Delhi, CA 95315
Branch Office	2121 E Childs Ave	Merced, CA 95341-9516

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