Merced School Employees Credit Union Merced CA | Low Mortgage Rates & Top Checking

Introduction

Welcome to Merced School Employees, your trusted financial partner located at 1021 Olivewood Dr, Merced, CA 95348. Established in 1954, we have proudly served our community for decades, helping over 49,435 members achieve their financial goals. With total assets amounting to an impressive $784,986,177, we are committed to providing you with a range of services designed to meet your needs. At Merced School Employees, we believe in the power of community. Our dedicated team of 133 employees, led by CEO Nancy Deavours and Board President Terry Silva, works tirelessly to ensure that our members receive personalized service and support. Whether you're looking for a checking account, an auto loan, or mortgage refinancing options, our offerings are tailored to help you thrive financially. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P O Box 1349, Merced, CA 95341. We invite you to explore our website at mercedschoolcu.org for more information about membership eligibility and to take advantage of online services like mobile banking and loan applications. With total deposits reaching $94,946,671 and a net worth of $87,250,117, we're not just a credit union; we're a community-focused institution that prioritizes your financial well-being. Our commitment is reflected in our range of products from personal loans and credit cards with rewards to business banking solutions. Join us today and experience the difference at Merced School Employees! For any inquiries or assistance, don't hesitate to call us at 209-383-5550. We're here to serve you!

Branch History & Mission

Commitment to Innovation

As technology advances, so do we. Our branch embraces digital solutions that make banking easier for our members. With online banking and mobile applications available, managing your finances has never been simpler. We also ensure ADA compliance so that all members can access our services without barriers. Our operating hours are designed for your convenience: Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. For those who prefer face-to-face interactions, we offer basic drive-thru banking services for deposits and withdrawals.

Join Us Today!

We invite you to become part of the Merced School Employees family. Experience the benefits of membership today! Visit us at our branch or check out our website at mercedschoolcu.org for more information on how you can join and start enjoying the advantages of being a member of our vibrant community-focused credit union. Together, let's build a brighter financial future!

Our Mission

At Merced School Employees, our mission is simple yet impactful: to provide exceptional financial services while supporting the community we serve. We believe that everyone deserves access to reliable banking options and personalized service. Our offerings include checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards everything you need to achieve your financial goals. We take pride in being more than just a credit union; we are deeply rooted in community support. Over the years, we've partnered with local organizations and initiatives to uplift those around us. Whether it's sponsoring educational programs or providing resources for local events, we strive to make a positive difference in Merced.

Branch Location & Accessibility

Operating Hours

We strive to accommodate your schedule! Our lobby hours are Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. Whether you need assistance with personal banking, auto loans, or even mortgage refinancing, our friendly staff is ready to help you during these hours.

Our Location and Access

At our branch, you'll find ample parking spaces available for your convenience. Accessibility is important to us; our facilities are compliant with ADA standards, ensuring everyone can enjoy their visit without any hassle. If you're in need of quick services, we also offer drive-thru banking for simple transactions like deposits and withdrawals. While you can visit us at our Olivewood Drive location for all your banking needs, please note that official correspondence should be sent to our mailing address at P.O. Box 1349, Merced, CA 95341.

Services Offered

At Merced School Employees Credit Union, we provide a wide range of services tailored just for you. From checking and savings accounts to credit cards with rewards and business banking options, we have something for everyone. Plus, enjoy the ease of online and mobile banking whenever it suits you! If you're ready to experience exceptional service from a community-focused credit union, we invite you to stop by or give us a call at 209-383-5550. We look forward to serving you soon!

Member Eligibility

Joining the Merced School Employees family means stepping into a welcoming community where your financial well-being is our priority. To become a member, you'll find that eligibility is broad and inclusive; if you are an employee of the Merced City School District or related educational institutions, you're already on your way to enjoying the benefits we offer. Additionally, family members of current members can also join us, making it easy to share this supportive experience with loved ones. For a detailed look at all eligibility criteria, be sure to visit our membership page. Opening an account with us is a breeze! You can get started online through our simple enrollment process by visiting this link. If you have any questions or need assistance, don't hesitate to reach out at 209-383-5550. We're here to help you take this exciting step toward securing your financial future at Merced School Employees!

Business Banking & Commercial Services

Loan Options Tailored 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine running your business without worrying about payment processing. Our merchant services simplify this for you, allowing you to focus on what you do best serving your customers. From secure payment processing options to easy integration with your existing systems, we help streamline your operations so you can grow without the hassle. Located at 1021 Olivewood Dr Merced Ca 95348 in Merced, CA, our dedicated team is here to guide you through every step of your financial journey. Reach us at (209) 383-5550 during our operating hours for personalized assistance. Let's build a brighter future together!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, we offer tailored business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is ready to assist you in navigating your financial journey.

Convenient Access to Your Funds

At Merced School Employees, we understand that sometimes you need quick access to your cash. That's why we provide ATM and cash withdrawal services along with basic drive-thru banking for deposits, withdrawals, and simple transactions. You won't have to wait long to get what you need when visiting us!

Credit Cards with Rewards

With our credit cards, you don't just spend you earn rewards! Picture yourself enjoying cashback or points that can be redeemed for travel, merchandise, and more simply by using your card for everyday purchases. It's our way of saying thank you for being a valued member.

Digital Banking Features

In today's fast-paced world, digital banking is essential. Our robust online and mobile banking services mean you can manage your accounts anytime, anywhere. From person-to-person payments to e-statements, we've made it easier than ever for you to stay connected with your finances. We invite you to explore all that Merced School Employees has to offer at Msefcu Main. If you have any questions or would like personalized assistance, feel free to call us at (209) 383-5550 during our operating hours from 8:30 AM to 5:00 PM Monday through Thursday and 9:00 AM to 6:00 PM on Fridays. Join us today and experience financial services designed around your life!

Loans for Every Need

Need a new car? Our auto loans and vehicle financing options make it easy for you to drive away in the car you want without breaking the bank. If you're dreaming of owning a home, we provide mortgage loans and refinancing solutions that can help turn that dream into reality. For those unexpected expenses or big purchases, consider our personal loans and debt consolidation services. We're here to support you every step of the way.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. We offer accounts that fit various lifestyles, ensuring that managing your money is as straightforward as possible. Imagine having the flexibility to access your funds anytime through our online and mobile banking platforms. You can check balances, transfer money, or pay bills from the comfort of your home or on the go.

Digital & Online Banking

Key Features

Our mobile application adds another layer of convenience. Whether you're making person-to-person transfers or enjoying the simplicity of mobile payments, everything is just a few taps away. You can even sign documents electronically with our electronic signature authorization feature, making transactions quicker and hassle-free. If you prefer to keep track of your finances digitally, e-statements are available to help reduce paper clutter while keeping all your important information at your fingertips. With real-time updates, you'll always know where you stand financially. We prioritize user-friendly features and security measures so that you can feel confident while banking online. From easy navigation in our app to robust safety protocols, we've got you covered. So why not take advantage of everything Merced School Employees has to offer? Explore our digital banking options today!

Financial Strength

Commitment to Operational Efficiency

Our commitment to operational efficiency is evident with a reported net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. 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.

Growing Member Trust

We are honored to have built trust among our community members, as shown by our total share accounts standing at 100,696. This figure illustrates a strong and growing member base that chooses us for their financial needs. 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 1021 Olivewood Dr Merced Ca 95348 or call (209) 383-5550 to learn more about how we can help you achieve your financial goals.

Reinvestment for Growth

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, illustrated by our $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. We prioritize our members over traditional banking practices; with non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Foundation

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. We have already issued over $106,313,562 in used vehicle loans and $50,843,942 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new vehicle or a reliable used one, we are here to assist you every step of the way.

Credit Lines and Unsecured Loans

For those seeking flexibility in managing expenses or unexpected costs, we provide credit lines with a total of $68,569,931 available for our members. Additionally, our unsecured credit card loans total $19,044,590, offering terms that fit your lifestyle while helping you manage your finances effectively. At Merced School Employees, we prioritize transparency and accessibility. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, don't hesitate to reach out! You can contact us at 209-383-5550 during our business hours Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $13,179,515. We simplify the buying process and also offer refinancing options to help you manage your mortgage effectively.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons through a reliable data sourcing method. Loan data is collected directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This guarantees that users receive fair and transparent offers. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency for users. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. The goal is to provide unbiased results that help users make informed decisions. Another significant advantage is the real-time rate comparisons available through LendMesh. Users can access up-to-date loan rates from multiple institutions, empowering them to choose the best options for their financial needs. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION