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Credit union · NCUA insured

Merced School Employees Federal Credit Union Savings Rates

Merced School Employees Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Redi-Cash 0026. Rates checked October 16, 2026.

How Merced School Employees Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Merced, CA, where Merced School Employees Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Merced School Employees Federal Credit Union

    0.35%APY

    Minimum
    $1,000
    Earns on $10,000 a year
    $35

    Redi-Cash 0026

  • Top Carrot, Carrot Score 93

    Top rate

    Travis Credit Union

    3.50%APY

    Minimum
    $100
    Earns on $10,000 a year
    $350

    Travis Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-highest rate

    Citi

    3.00%APY

    Minimum
    $0
    Earns on $10,000 a year
    $300

    Citi rates

Compare savings rates near you →

Merced School Employees Federal Credit Union savings score

75

Savings score

Higher than 40% of U.S. banks and credit unions

By balance
  • $1,000 balance$1,0000.35%
  • $10,000 balance$10,0000.35%
  • $100,000 balance$100,0000.70%
  • QualifiedQualified0.35%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Merced School Employees Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

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This may be incomplete or out of date, so check with the credit union before you apply.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