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iAdvertiser Disclosure
Advertiser Disclosure
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 Merced School Employees Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Merced School Employees Federal Credit Union's savings rates are at 0.25%. Merced School Employees Federal Credit Union's Personal Loan Rates are at 12.75%. MonitorBankRates evaluates the financial stability of Merced School Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.99%. Rates were last updated on 04/11/2026. Merced School Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Merced School Employees Federal Credit Union? Share your experience about Merced School Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Merced School Employees Federal Credit Union. Merced School Employees Federal Credit Union
MSEFCU Main 1021 Olivewood Dr
https://mercedschoolcu.org Merced, CA 95348 1218 
Merced School Employees Federal Credit Union Savings Rates
Merced School Employees Federal Credit Union Checking Rates
Merced School Employees Federal Credit Union Credit Card Rates
Merced School Employees Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Merced School Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Merced School Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Merced School Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Merced School Employees Federal Credit Union
Website
https://mercedschoolcu.org
Address
1021 Olivewood Dr,
Merced, CA 95348 1218
Phone
209-383-5550
Fax
209-383-4259
President
Terry Silva
CEO
Nancy Deavours
Full-Time Employees
114
Part-Time Employees
24
Branch Locations
8
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.99%
Return on Assets (ROA)
0.8453%
Return on Equity (ROE)
7.4649%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
853,862,193
Total Amount of Shares and Deposits
755,717,621
Total Shares and Deposits < 1 Year
738,008,635
Total Shares and Deposits 1 3 Years
16,405,550
Total Shares and Deposits > 3 Years
1,303,435
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
35,518,103
Total Uninsured Shares and Deposits > $250K (F+J)
35,518,103
Total Insured Shares and Deposits > $250K (item 17 less item K)
720,199,518
Total Interest Expense (Sum of items 6 8)
6,776,130
Share Certificates
3,923
Number of Accounts for Share Drafts
38,034
IRA KEOGH Accounts
1,620
Number of Accounts for Regular Shares
57,658
All other shares
192
Money Market Shares
2,658
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
88,838,739
Total Liabilities
760,629,821
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Merced School Employees Federal Credit UnionIs Merced School Employees Federal Credit Union a safe place to deposit money?Yes, Merced School Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.994441274976%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Merced School Employees Federal Credit Union operate?Merced School Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Merced School Employees Federal Credit Union?Yes, to access services at Merced School Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Merced School Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Merced School Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Merced School Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Merced School Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://mercedschoolcu.org. Current Merced School Employees Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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