Merced School Employees Credit Union Los Banos CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Merced School Employees at our branch located at 1890 S Mercy Springs Rd, Los Banos, CA 93635! Since our establishment in 1954, we have proudly served our members, providing financial services tailored to their needs. With a robust membership of 49,435 and total assets reaching an impressive $784,986,177, we are committed to fostering a supportive community. At Merced School Employees, we understand that banking isn't just about numbers it's about building relationships. Our dedicated team of 133 employees, led by CEO Nancy Deavours and Board President Terry Silva, works tirelessly to offer personalized solutions. Whether you're interested in checking and savings accounts, auto loans, or credit cards with rewards, we've got you covered! We maintain a strong financial position with total deposits of $94,946,671 and net worth of $87,250,117. Your financial security is our top priority; that's why we ensure that our resources are well-managed. Our cash in hand stands at $12,692,618, allowing us to serve you effectively. While you can visit us at the Los Banos branch for all your banking needs, official correspondence should be directed to the same address. If you have any questions or need assistance, don't hesitate to give us a call at 209-827-8010. Join us as we continue to make a positive impact in the community. Explore more about our services or become a member today by visiting our website: mercedschoolcu.org. We look forward to serving you!

Branch History & Mission

Community Focus

Our commitment extends beyond banking. We actively engage in community outreach programs and partnerships aimed at uplifting those around us. Whether it's providing educational resources or sponsoring local events, we strive to make a positive impact every day. As we continue to grow currently holding total assets of $784,986,177 we remain focused on meeting your needs with integrity and care. Our team is here for you during operating hours from 8:30 AM to 5:00 PM, Monday through Thursday, and 9:00 AM to 6:00 PM on Fridays. We invite you to join us on this journey toward financial stability and success. Experience the benefits of membership at Merced School Employees by visiting us today or exploring more about how you can become part of our family at our membership page. Together, let's build a brighter financial future!

Our Mission

At Merced School Employees, we believe that everyone deserves access to fair and reliable financial services. Our mission is clear: to provide our members with personalized banking solutions that promote financial well-being and community growth. We are dedicated not only to offering competitive products such as checking accounts, auto loans, and credit cards but also to supporting local initiatives that strengthen the fabric of our community. Over the years, we have embraced technological advancements to ensure that our services remain convenient and accessible. With features like online banking and mobile payments, we empower our members to manage their finances on their own terms. We take pride in being ADA compliant, ensuring that all members can access our services without barriers.

Branch Location & Accessibility

Welcome to the Merced School Employees branch, conveniently located at 1890 S Mercy Springs Rd in Los Banos, CA! Our branch is designed with your needs in mind, offering easy access for all members of our community. Nestled near local landmarks and just a short drive from downtown, we are here to serve you with personalized banking solutions. At Merced School Employees, we prioritize accessibility. Our facility features ADA-compliant entrances and parking, ensuring that everyone can enjoy a smooth visit. Whether you're stopping by to open an account or seeking financial advice, our friendly staff is ready to assist you. We understand that your time is valuable. That's why we offer convenient operating hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. If you have any questions or need assistance outside of these hours, feel free to give us a call at 209-827-8010. In addition to our welcoming lobby, we also provide ATM services for your convenience. While we do not have a drive-thru service available, our ATM allows you quick access to cash withdrawals and balance checks at your convenience. If you need to send official correspondence, please remember that while you can visit us at the branch address mentioned above, all mail should be directed to the same address for consistency. Come visit us today and experience the friendly service and comprehensive banking options available at Merced School Employees. We look forward to seeing you soon!

Member Eligibility

Becoming a member of Merced School Employees is like joining a welcoming family where your financial goals are valued and supported. If you live, work, or go to school in Merced County, you're already on the right path! We're here to help individuals who are part of the educational community, including teachers and their families. It's an inclusive space where you can enjoy personalized banking services designed just for you. To get started, check out our detailed eligibility criteria at http://mercedschoolcu.org/our-info/membership/become-a-member . Once you're ready to join, opening an account is simple! Just visit us at our branch located at 1890 S Mercy Springs Rd Los Banos Ca 93635, or call us at (209) 827-8010 for more information. We're excited to help you take this step toward better banking with Merced School Employees!

Business Banking & Commercial Services

Lending Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your needs. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. This means when you choose us as your partner, you're not just securing a loan; you're investing in the future of your company.

Merchant Services That Work for You

In addition to loans, our merchant services offer practical benefits that make managing payments easier than ever. Imagine processing transactions swiftly so you can focus on what truly matters growing your business. With our reliable payment solutions, you can accept various forms of payment, ensuring convenience for both you and your customers. Visit us at 1890 S Mercy Springs Rd Los Banos Ca 93635 in Los Banos, CA, or give us a call at (209) 827-8010 to learn more about how we can assist you with your business banking needs!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it's time to hit the road, our auto loans provide competitive rates and terms that fit your budget. Picture yourself driving away in a new vehicle with a manageable monthly payment! Our friendly staff will guide you through the application process, making financing easier than ever.

Business Banking

For entrepreneurs and small business owners, we offer comprehensive business banking services including merchant services and business loans. Our goal is to help your business thrive by providing the financial support you need when you need it most.

Convenient Access

With access to an ATM, cash withdrawals are quick and easy whenever you need them. And if you're ever in doubt about how much is in your account? Just use our basic ATM access feature for balance checks. At Merced School Employees, we believe in making banking accessible and beneficial for all our members. If you're ready to explore these services further or have questions about how they can work for you, don't hesitate to reach out! Call us at 209-827-8010 or visit us online at mercedschoolcu.org today! Your financial well-being is just around the corner!

Credit Cards with Rewards

Maximize your spending power with our credit cards that offer rewards! Whether you're shopping for groceries or planning a vacation, earn points on every purchase that can lead to exciting rewards.

Mortgage Loans & Refinancing

Homeownership is a dream for many, and at Merced School Employees, we want to help make that happen. Our mortgage loans offer various options whether you're buying your first home or refinancing an existing mortgage. We work closely with you to find the best solution that suits your financial situation.

Personal Banking

We understand that managing finances can sometimes feel overwhelming. That's why we offer personal banking options such as checking and savings accounts designed for convenience and flexibility. Imagine effortlessly monitoring your spending or saving for a special occasion right from your phone. Our online and mobile banking services allow you to check balances, transfer funds, and pay bills anytime, anywhere.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans come into play. Whether it's for emergencies or debt consolidation, we provide flexible solutions to help ease financial stress. With straightforward terms and no hidden fees, you can focus on what matters most without worrying about your finances.

Digital & Online Banking

Accessing Your Accounts

With our robust online banking platform, accessible at https://www.mercedschoolcu.org/ , you can check your balances, transfer funds, and pay bills without ever stepping into a branch. Our services are available 24/7, so whether it's early morning or late at night, you're always just a few clicks away from managing your money effectively.

Key Features for Easy Banking

Our digital banking experience is packed with features that make your life easier. You can easily authorize transactions using electronic signatures, making paperwork a thing of the past. Plus, you'll have the option to receive e-statements instead of paper ones, which helps keep things organized and eco-friendly. Need to send money to friends or family? With our person-to-person transfers feature, sending cash is as simple as sending a text. And if you prefer using mobile payments, we've got you covered! You can make purchases directly from your phone with our mobile payments option.

Mobile App Convenience

For those who love banking on the go, our mobile application offers all the tools you need right in the palm of your hand. Whether you're checking account balances or making quick payments, our app is user-friendly and designed for ease of use.

Security You Can Trust

We prioritize your security above all else. Our online banking services come equipped with advanced security measures to ensure that your information remains safe. You can bank confidently knowing that we're here to protect your data while providing easy access to your finances. In summary, at Merced School Employees, we're committed to making banking simple and secure for you. With features like 24/7 online access, mobile payments, and e-statements available, managing your money has never been easier! Explore our services today at https://www.mercedschoolcu.org/ and see how we can help streamline your banking experience.

Financial Strength

A Dedicated Team for You

We also take pride in having 111 full-time employees and 22 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 100,696, showing a strong and growing member base that trusts us with their finances.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Merced School Employees is your trusted partner. Visit us at 1890 S Mercy Springs Rd Los Banos Ca 93635 or call (209) 827-8010 to learn more about how we can help you achieve your financial goals.

Investing in Our Future

With $83,451,708 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $5,789 in used auto loans and $315,012,251 in total loans and leases.

Secure Savings Opportunities

Members' savings are secured through $143,044,212 in share certificates and $80,863,800 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $87,250,117, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,111 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $106,313,562 in used vehicle loans and $50,843,942 in new vehicle loans already helping members get on the road. We provide financing solutions for both new and used vehicles, ensuring you can find the right fit for your lifestyle.

Credit Lines

Need extra cash for unexpected expenses? Our credit lines offer quick access to funds when you need them most. With total credit lines reaching $68,569,931, our members enjoy peace of mind knowing they have support available at any time. We also encourage you to explore refinancing options if you're looking to adjust your current loan terms or lower your monthly payments. For more information about eligibility and how we can assist you with your financial journey, please don't hesitate to reach out. For personalized assistance or inquiries regarding our loan offerings, feel free to contact us at (209) 827-8010. Visit us at our branch located at 1890 S Mercy Springs Rd Los Banos Ca 93635 in Los Banos, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,179,515, make buying or refinancing simple. We offer various mortgage products that allow you to choose terms that best suit your situation.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, but our flexible unsecured credit card loans can help. With a total of $19,044,590 in loans assisting members, we provide a convenient way to handle your finances effectively without requiring collateral.

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MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION