Credit union · NCUA insured
Merced School Employees Federal Credit Union Auto Loan Rates
Merced School Employees Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 7, 2026.
How Merced School Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Merced, CA, where Merced School Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Merced School Employees Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Fall Car Sale Auto Loan
2nd-lowest rate
MERCO Credit Union
4.74%APR
- Terms
- up to 84 months
- Discount
- None included
3rd-lowest rate
Educational Employees Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Merced School Employees Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Merced School Employees Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Fall Car Sale Auto Loan
Special promotional rate for purchase of new or pre-owned vehicle (models 2020 and newer) or refinance from another lender (no MSEFCU refinance). Includes rate reducing option of 0.25% for automatic transfer or payroll deduction. First payment deferred up to 90 days for qualified borrowers. Offer valid from September 18, 2026 through October 6, 2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | 60 month loan at 4.49% APR is $18.78 per $1000 borrowed (payment calculated with first payment in 90 days). Models 2020 and newer. Includes 0.25% rate reduction for automatic transfer or payroll deduction. Longer terms available. |
Sources (1)
- mercedschoolcu.org/our-annual-fall-car-sale · captured Oct 7, 2026
Who can join Merced School Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.