What are the current interest rates at Merced School Employees Federal Credit Union?

Current rates for Merced School Employees Federal Credit Union include: 12-Month CD: 3.40%, 24-Month CD: 3.40%, Savings: 3.51%

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Merced School Employees Federal Credit Union

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Merced School Employees Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Merced School Employees Federal Credit Union's top rates as of October 12, 2026 are 3.51% APY on its 2 Year IRA Term 0424/0524 CD, 3.51% APY on savings, 0.30% APY on checking, 6.88% on its 30 Year Fixed Rate mortgage, personal loans from 12.75% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Merced School Employees Federal Credit Union CD rates include 3 Year IRA Term 0436/0536 at 3.51%, 3 Year IRA Term 0436/0536 at 3.41%, and 1 Year - Roth Conversion 0612 at 3.40%. Other Merced School Employees Federal Credit Union mortgage rates include 30 Year Fixed Rate Refinance at 7.50%. 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 1.23%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.23%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Merced School Employees Federal Credit Union
MSEFCU Main

1021 Olivewood Dr
Merced, CA 95348-1218

https://mercedschoolcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Merced School Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
2 Year IRA Term 0424/0524	3.45%	3.51%	2 Year
Min Balance $2,000 Details Balance: $50,000 - $999,999; Dividend declaration date: 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
3 Year IRA Term 0436/0536	3.45%	3.51%	3 Year
Min Balance $50,000 Details Balance: $50,000 - $999,999; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25% Oct 12, 20263.51%▲ from 3.25% Sep 12, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
3 Year IRA Term 0436/0536	3.35%	3.41%	3 Year
Min Balance $2,000 Details Balance: $49,999; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.41% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
1 Year - Roth Conversion 0612	3.35%	3.40%	1 Year
Min Balance $2,000 Details Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
1 Year IRA Term 0412/0512	3.35%	3.40%	1 Year
Min Balance $2,000 Details IRA term savings; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26; Effective as of: October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
2 Year IRA Term 0424/0524	3.35%	3.40%	2 Year
Min Balance $2,000 Details Balance: $2,000 - $49,999; Dividend declaration date: 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 Month Term Savings	3.25%	3.30%	6 months
Min Balance $2,000 Details Balance: $2,000 - $999,999; Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26; Effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
3 Month Term Savings 0303	3.10%	3.14%	3 months
Min Balance $2,000 Details Balance: $2,000 - $999,999; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend declaration date: 10/01/26 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.04% → 3.14% ▲ 0.10 pts · high 3.14% / low 3.04% Oct 4, 20263.14%▲ from 3.04% Sep 12, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Merced School Employees Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club 0030	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Special Savings 0020	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Merced School Employees Federal Credit Union Checking Rates

Product	Rate	APY
HSA Checking Family 0041	0.30%	0.30%
Min Deposit $10 Min Balance $5,000 Details Balance: $5,000 - $999,999; Minimum to Earn Dividends $5000; Dividend Declaration Date 11/01/22 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
HSA Checking Single 0040	0.30%	0.30%
Min Deposit $10 Min Balance $5,000 Details Balance: $5,000 - $999,999; Minimum to Earn Dividends $5000; Dividend Declaration Date 11/01/22 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
HSA Checking Family 0041	0.25%	0.25%
Min Deposit $10 Min Balance $1 Details Balance: $1 - $4,999; Minimum to Earn Dividends $5000; Dividend Declaration Date 11/01/22 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
HSA Checking Single 0040	0.25%	0.25%
Min Deposit $10 Min Balance $1 Details Balance: $1 - $4,999; Minimum to Earn Dividends $5000; Dividend Declaration Date 11/01/22 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Checking 0010	0.05%	0.05%
Min Deposit $10 Min Balance $5,000 Details Balance: $5,000 - $999,999; Minimum to Earn Dividends $5000; Dividend Declaration Date 09/01/2018 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Merced School Employees Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
30 Year Fixed Rate	-	-	6.875%	360 Months
Details Up to Conventional loan limit; Purchase of primary residence; up to 80% LTV; origination fee .50%; no application fee; minimum payment $125 per month; appraisal required; credit report fee Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
30 Year Fixed Rate Refinance	-	-	7.50%	360 Months
Details Refinance current mortgage of primary residence (other than MSEFCU) up to $375,000, no cash out, up to 90% LTV, No PMI (Private Mortgage Insurance), origination fee .50%, no application fee, minimum payment $125 per month, appraisal required, credit report fee Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Merced School Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Vehicle Loans (2020 and Newer) - Current Auto Loan Promotion	-	-	4.49%	Up to 60 Months
Details As Low As; Promotion valid September 18, 2026 through October 6, 2026 (thru 10/6/26); APR includes rate reducing option of .25% for automatic transfer or payroll deduction; First payment deferred up to 90 days for qualified borrowers; Models 2020 and newer; No MSEFCU refinance Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New and Used Vehicle Loans (2020 and Newer)	-	-	5.39%	Up to 60 Months
Details As Low As; Best Annual Percentage Rate; Cars and trucks, 2020 and newer, registered in California; Up to 115% of MSRP plus warranty and GAP (new); Up to 115% of retail Kelley Blue Book plus warranty and GAP (used); Rate determined by credit history and loan term; No MSEFCU refinance Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
New and Used Vehicle Loans (2020 and Newer)	-	-	5.89%	61 - 84 Months
Details As Low As; Best Annual Percentage Rate; Cars and trucks, 2020 and newer, registered in California; Up to 115% of MSRP plus warranty and GAP (new); Up to 115% of retail Kelley Blue Book plus warranty and GAP (used); Rate determined by credit history and loan term; No MSEFCU refinance Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.89% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Used Vehicle Loans (2016 - 2019)	-	-	6.49%	Up to 60 Months
Details As Low As; Cars and trucks, 2016-2019, registered and titled in California; Up to 115% of retail Kelley Blue Book, plus warranty and GAP; Based on credit history Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Used Vehicle Loans (2016 - 2019)	-	-	6.99%	61 - 84 Months
Details As Low As; Cars and trucks, 2016-2019, registered and titled in California; Up to 115% of retail Kelley Blue Book, plus warranty and GAP; Based on credit history Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Merced School Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Houseboats/Yachts (2020 and Newer) Loan	-	6.14%	Up to 60 Months
Details As Low As; Best Annual Percentage Rate; Up to 80% of purchase price for new, up to 80% of appraisal/evaluation value for used; Rate reducing options do not apply to terms exceeding 84 months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Houseboats/Yachts (2020 and Newer) Loan	-	6.64%	61 - 84 Months
Details As Low As; Best Annual Percentage Rate; Up to 80% of purchase price for new, up to 80% of appraisal/evaluation value for used; Rate reducing options do not apply to terms exceeding 84 months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.64% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Purchase Loan	-	7.74%	Up to 60 Months
Details As Low As; New up to 100% of purchase price. Used up to 100% of retail KBB 2020 and newer. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Merced School Employees Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Classic	-	10.75%
Details Limit up to $20,000 (based on credit history) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Student VISA	-	14.50%
Details Limit $300 to $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 14.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Merced School Employees Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	12.75%	up to 60 Months
Details Amount: Up to $40,000; Your rate is determined by your credit history. Minimum payment $35 per month. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Merced School Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loan	-	-	10.75%	12 month
Details Term: 12 month building agreement; Fixed-rate, interest-only loan for building primary residence, may include land purchase; up to 80% LTV; not to exceed cost to build; appraisal required; no points; $500 application fee; $1,500 processing fee; **Non-refundable fee Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Energy Efficient Loan	-	-	6.99%	up to 84 Months
Details As Low As; Amount: Up to $40,000; Must own the home and be your primary residence; Purchases must be energy efficient Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Energy Efficient Loan	-	-	7.50%	85 - 180 Months
Details As Low As; Amount: Up to $40,000; Must own the home and be your primary residence; Purchases must be energy efficient Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Land or Lot Purchase Loan	-	-	8.00%	1 - 84 Months
Details Up to 70% LTV, no points, $100 application fee, minimum payment $125 per month, appraisal required, credit report fee. Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Land or Lot Purchase Loan	-	-	8.25%	85 - 120 Months
Details Up to 70% LTV, no points, $100 application fee, minimum payment $125 per month, appraisal required, credit report fee. Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Land or Lot Purchase Loan	-	-	8.50%	121 - 180 Months
Details Up to 70% LTV, no points, $100 application fee, minimum payment $125 per month, appraisal required, credit report fee. Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
1 Year Term Savings	3.35%	-	3.40%	1 Year
Min Balance $2,000 Details Balance: $2,000 - $999,999; Account code 0312; Rate Type: Fixed; Effective as of October 1, 2026; Dividend Declaration Date 10/01/26; Minimum to Earn Dividends is $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
2 Year Term Savings 0324	3.35%	-	3.40%	2 Year
Min Balance $2,000 Details Balance: $2,000 - $49,999; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
2 Year Term Savings 0324	3.45%	-	3.51%	2 Year
Min Balance $2,000 Details Balance: $50,000 - $999,999; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
3 Year Term Savings 0336	3.35%	-	3.41%	3 years
Min Balance $2,000 Details Balance: $49,999; Dividend Declaration Date: 10/01/26; Page context lists this tier as $2,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.41% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
3 Year Term Savings 0336	3.45%	-	3.51%	3 years
Min Balance $2,000 Details Balance: $50,000 - $999,999; Dividend Declaration Date: 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
4 Year Term Savings 0348	3.35%	-	3.41%	4 years
Min Balance $2,000 Details Balance: $49,999; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.41% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
4 Year Term Savings 0348	3.45%	-	3.51%	4 years
Min Balance $50,000 Details Balance: $50,000 - $999,999; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date: 10/01/26 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25% Oct 12, 20263.51%▲ from 3.25% Sep 20, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
5 Year Term Savings 0360	3.35%	-	3.41%	5 Year
Min Balance $2,000 Details Balance: $49,999 (as printed); Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.41% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
5 Year Term Savings 0360	3.45%	-	3.51%	5 Year
Min Balance $2,000 Details Balance: $50,000 - $999,999; Minimum Balance is $2,000 / Minimum to Earn Dividends is $2,000; Dividend Declaration Date 10/01/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Coverdell Ed 0053	0.35%	-	0.35%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Escrow 0070	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
IRA Accumulator 0098/0050	0.35%	-	0.35%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Irrevocable Trust 0061	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Redi-Cash 0026	0.35%	-	0.35%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $99,999; Dividend Declaration Date: 2/1/23 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Redi-Cash 0026	0.70%	-	0.70%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $999,999; Dividend Declaration Date: 2/1/23 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Regular Saving 0001	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Revocable Trust 0062	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Roth Conversion 0051	0.35%	-	0.35%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Roth IRA 0052	0.35%	-	0.35%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Summer Saving 0031	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Dividend Declaration Date: 11/01/22 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Merced School Employees Federal Credit Union’s Texas Ratio stayed near 1.25% in Q3 2023 to 1.23% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$899M	1.23%	5.0	A+
March 31, 2026	$898M	1.26%	5.0	A+
December 31, 2025	$859M	2.13%	5.0	A+
September 30, 2025	$854M	1.90%	5.0	A+
June 30, 2025	$841M	2.40%	5.0	A+
March 31, 2025	$827M	1.80%	5.0	A+
December 31, 2024	$785M	2.31%	5.0	A+
September 30, 2024	$785M	1.19%	5.0	A+
June 30, 2024	$776M	1.64%	5.0	A+
March 31, 2024	$783M	1.13%	5.0	A+
December 31, 2023	$750M	1.60%	5.0	A+
September 30, 2023	$757M	1.25%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 115

Part-Time Employees 26

Branch Locations 8

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.23%

Return on Assets (ROA)

0.6832%

Return on Equity (ROE)

5.8112%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

899,033,429

Total Amount of Shares and Deposits

796,953,019

Total Shares and Deposits < 1 Year

784,015,539

Total Shares and Deposits 1 3 Years

12,673,357

Total Shares and Deposits > 3 Years

264,122

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

42,716,219

Total Uninsured Shares and Deposits > $250K (F+J)

42,716,219

Total Insured Shares and Deposits > $250K (item 17 less item K)

754,236,800

Total Interest Expense (Sum of items 6 8)

4,809,456

Share Certificates

4,001

Number of Accounts for Share Drafts

38,728

IRA KEOGH Accounts

1,611

Number of Accounts for Regular Shares

58,241

All other shares

199

Money Market Shares

2,649

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

72,809,838

Total Liabilities

801,535,519

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Merced School Employees Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Merced School Employees Federal Credit Union

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

12-Month CD3.40%
24-Month CD3.40%
Savings3.51%

Retrieved from our database of financial products. Rates subject to change.

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Merced School Employees Federal Credit Union Rates & Review October 2026

Brian McKay

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Merced School Employees Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Merced School Employees Federal Credit Union

How many branches does Merced School Employees Federal Credit Union operate?

Is a member application needed to join Merced School Employees Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Merced School Employees Federal Credit Union offer online and mobile banking?

Current Merced School Employees Federal Credit Union Rates

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