Merced School Employees Federal Credit Union Credit Card Rates

How Merced School Employees Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Merced, CA, where Merced School Employees Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
Merced School Employees Federal Credit Union
– –
Up to
—
No ongoing APR published
Lowest rate
Farmers Insurance Federal Credit Union
8.99%APR
Up to
18.00% APR
Farmers Insurance Federal Credit Union rates
2nd-lowest rate
MERCO Credit Union
9.99%APR
Up to
—
MERCO Credit Union rates

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Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Share Secured Visa

Credit limit is secured by the amount pledged/deposited in member's regular share account (0001), not to exceed $20,000. 25-day grace period on purchases.

Applies to	APR	Annual fee	Conditions
Ongoing	8.25%	None	Credit limit is based on amount pledged in member's regular share account (0001), not to exceed $20,000. 25-day grace period on purchases. Minimum payment of 2% of the balance due or $25 per month.

Sources (2)

All captured Oct 16, 2026

Student Visa

For students 18 and older who are first-time borrowers at MSEFCU. Credit limit of $300 to $500 based on approved credit.

Applies to	APR	Annual fee	Conditions
Ongoing	14.50%	None	Available to students 18 and older who are first-time borrowers at MSEFCU. Credit line limit of $300 to $500 based on approved credit. 25-day grace period on purchases. Minimum payment of 2% of the balance due or $25 per month.

Sources (2)

All captured Oct 16, 2026

Visa Classic

Credit limit up to $20,000 based on credit history. 25-day grace period on purchases.

Applies to	APR	Annual fee	Conditions
Ongoing	10.75%	None	Fixed rate of 10.75% APR (not an introductory rate). Credit limit up to $20,000 based on credit history. 25-day grace period on purchases. Minimum payment of 2% of the balance due or $25 per month.

Sources (2)

All captured Oct 16, 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This may be incomplete or out of date, so check with the credit union before you apply.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.

Check membership requirements ↗Branches and institution details

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