Credit union · NCUA insured
Merced School Employees Federal Credit Union
A $897.5M credit union headquartered in Merced, CA, with 50,925 members and 8 branches in California. Best rates: savings 0.35% APY.
Merced School Employees Federal Credit Union Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#5 of 10 in Merced, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Merced School Employees Federal Credit Union
- Headquarters
- 1021 Olivewood Dr, Merced, CA 95348-1218
- NCUA charter
- 9119
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- McClatchy Publishing employees and retirees are eligible for membership.
- Merced School Employees Federal Credit Union (MSEFCU) employees are eligible for membership.
Military, government and schools
- City of Merced employees and retirees are eligible for membership.
- Merced College employees and retirees are eligible for membership.
- Currently enrolled Merced College students are eligible for membership.
- Merced and Mariposa County School employees and retirees are eligible for membership.
5 more ways to join
Military, government and schools
- Merced and Mariposa County school students (Kindergarten through High School) are eligible for membership.
- University of California, Merced (UC Merced) employees and retirees are eligible for membership.
- Currently enrolled University of California, Merced (UC Merced) students are eligible for membership.
Family and household
- Spouses, sons, daughters, sons-in-law, daughters-in-law, fathers, mothers, fathers-in-law, mothers-in-law, sisters, brothers, sisters-in-law, brothers-in-law, grandchildren, grandparents, and household members of eligible primary groups are eligible for membership.
- Spouses of deceased primary members are eligible for membership.
Cost to join
- Membership requires a $5 initial deposit into the account.
- Membership requires a $5 membership fee.
Branches
8 branches in California
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California
8 branches
- MSEFCU MainMain office1021 Olivewood Dr, Merced, CA 95348Directions
- MSEFCU Atwater101 Bellevue Rd, Atwater, CA 95301Directions
- Delhi High School Hawk Branch16881 Schendel Ave, Delhi, CA 95315Directions
- Le Grand High School Bulldog Branch12961 Le Grand Rd, Le Grand, CA 95333Directions
- MSEFCU Los Banos1890 S Mercy Springs Rd, Los Banos, CA 93635Directions
- Golden Valley High Cougar Branch2121 E Childs Ave, Merced, CA 95341Directions
- MSEFCU M St.1935 M St, Merced, CA 95340Directions
- Merced High School Bear Branch205 W Olive Ave, Merced, CA 95348Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.76% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.44% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.40% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $38 | $76 | — |
- CapitalNet worth ratio11.76%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.44%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.40%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$38Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Merced School Employees Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.