Merced School Employees Credit Union

Merced, California
Last verified: August 4, 2026
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Verified rate book

Current Merced School Employees Credit Union rates

47 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

17 offers
Merced School Employees Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed5.875% APR5.875%—Standard
Purchase of primary residence up to $375,00030 year fixed6.750% APR6.750%—Standard
30-Year Fixed30 year fixed6.750% APR6.750%—Standard
Fixed Rate 1st Mortgages (1 - 180 Months)other5.750% APR5.750%—Standard
Fixed Rate 2nd Mortgage (1 - 60 Months)other6.000% APR6.000%—Standard
Fixed Rate 1st Mortgages (181 - 240 Months)other6.000% APR6.000%—Standard
Purchase (360 Months)other6.125% APR6.125%—Standard
Fixed Rate 2nd Mortgage (61 - 84 Months)other6.250% APR6.250%—Standard
Fixed Rate 2nd Mortgage (85 - 120 Months)other6.750% APR6.750%—Standard
Fixed Rate 2nd Mortgage (121 - 180 Months)other7.000% APR7.000%—Standard
Land or Lot Purchase (1 - 84 Months)other8.000% APR8.000%—Standard
Land or Lot Purchase (85 - 120 Months)other8.250% APR8.250%—Standard
Land or Lot Purchase (121 - 180 Months)other8.500% APR8.500%—Standard
Construction Loanother10.750% APR10.750%—Standard
12 Month Building Agreementother10.750% APR10.750%—Standard
Refinance current mortgage of primary residence up to $375,00030 year fixed6.750% APR6.750%—Standard
30-Year Fixed, Refinance30 year fixed6.750% APR6.750%—Standard

Auto & vehicle rates

11 offers
Merced School Employees Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Boats, RVs, Travel Trailers Loans (2020 and Newer) (Up to 60 Months)boat_any_60mo5.390% APR5.390%60 moStandard
New and Used Vehicle Loans (2020 and Newer) (Up to 60 Months)auto_any_60mo5.390% APR5.390%60 mo · anyStandard
New and Used Vehicle Loans (2020 and Newer) (61 - 84 Months)auto_any_84mo5.890% APR5.890%84 mo · anyStandard
Boats, RVs, Travel Trailers Loans (2020 and Newer) (61 - 84 Months)boat_any_84mo5.890% APR5.890%84 moStandard
Houseboats/Yachts (2020 and Newer) (Up to 60 Months)boat_any_60mo6.140% APR6.140%60 moStandard
Boats, RVs, Travel Trailers, etc. (2016 - 2019) (Up to 60 Months)boat_any_60mo6.490% APR6.490%60 moStandard
Up to 60-Month Used Auto Loan (2016–2019)auto_used_60mo6.490% APR6.490%60 mo · usedStandard
Houseboats/Yachts (2020 and Newer) (61 - 84 Months)boat_any_84mo6.640% APR6.640%84 moStandard
Used Vehicle Loans (2016 - 2019) (61 - 84 Months)auto_used_84mo6.990% APR6.990%84 mo · usedStandard
Boats, RVs, Travel Trailers, etc. (2016 - 2019) (61 - 84 Months)boat_any_84mo6.990% APR6.990%84 moStandard
Up to 60-Month Motorcycle Loanmotorcycle_any_60mo7.740% APR7.740%60 moStandard

Personal loan rates

5 offers
Merced School Employees Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share Secured Loans - Regular Savingspersonal_secured_36mo3.750% APR3.750%36 moStandard
Energy Efficient Loan (up to 84 Months)personal_unsecured_84mo6.990% APR6.990%84 moStandard
Energy Efficient Loan (85 - 180 Months)personal_unsecured_180mo7.500% APR7.500%180 moStandard
Checking Credit Line: (Overdraft Protection) (Revolving)personal12.000% APR12.000%—Standard
Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo12.750% APR12.750%60 moStandard

Credit card rates

3 offers
Merced School Employees Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Visa Share Secured Credit Card Disclosurecredit_card_secured8.250% APR8.250%—Standard
Visa Classic Credit Card Disclosurecredit_card10.750% APR10.750%—Standard
Visa Student Credit Card Disclosurecredit_card_student14.500% APR14.500%—Standard

Savings & CD rates

10 offers
Merced School Employees Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Rate Type: Variable (Irrevocable Trust 0061)savings0.25% APY0.25%—Standard
Coverdell Ed 0053 (Redi-Cash 0026 $1,000 - $99,999)savings0.35% APY0.35%—Standard
Rate Type: Variable (Roth Conversion 0051)savings0.35% APY0.35%—Standard
Rate Type: Variable (IRA Accumulator 0098/0050)ira0.35% APY0.35%—Standard
Coverdell Ed 0053 (Redi-Cash 0026 $100,000 - $999,999)savings0.70% APY0.70%—Standard
Savingssavings3.00% APY3.00%—Standard
Regular Savings (minimum of $1000)savings3.75% APY3.75%36 moStandard
5-Month Savingssavings4.33% APY4.33%5 moStandard
Health Savings Account (HSA) Loanother9.00% APY9.00%—Standard
Health Savings Account (HSA) Loan (Up to 24 Months)other9.00% APY9.00%—Standard

Other rates

1 offer
Merced School Employees Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Revolvingother12.000% %12.000%—Standard

As of August 4, 2026, Merced School Employees Credit Union offers a 30-year fixed mortgage at 5.875% APR. Vehicle loans available from 5.39% APR for 60 months. Personal loan rates from 3.75% APR. Credit card rates from 8.25% APR. Savings and certificate yields up to 9.00% APY.

Source: RateAPI.dev, verified from Merced School Employees Credit Union's official website

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About Merced School Employees Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
50.9K
Assets
$897.5M
Founded
1954
Locations reported
8
NCUA charter
9119
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Farmers InsuranceFarmers Insurance Group Federal Credit Union · Merced · CA · 95348-3404Branch in the same ZIPTravisMerced Branch · Merced · CA · 95348Branch in the same ZIPEducational EmployeesMerced · Merced · CA · 95340About 7.6 miles awayMercoMerced Main · Merced · CA · 95340-3706About 7.6 miles awayRolling FROLLING F CREDIT UNION · TURLOCK · CA · 95382-2471About 20.6 miles awayMocseTurlock · Turlock · CA · 95380-3206About 20.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Merced School Employees Credit Union

Membership eligibility from Merced School Employees Credit Union's own published criteria. How we verify this.

Membership criteria are published on Merced School Employees Credit Union's website. Check the membership page below to confirm whether you qualify.

Cost to join: About $10 (a $5 membership fee plus a $5 minimum deposit).

Verified from Merced School Employees Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Merced School Employees Credit Union offer?

Merced School Employees Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Merced School Employees Credit Union rates updated?

RateAPI verifies Merced School Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Merced School Employees Credit Union's rate data?

Rate data is collected directly from Merced School Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Merced School Employees Credit Union's mortgage rate?

As of August 4, 2026, Merced School Employees Credit Union offers a 30-year fixed mortgage at 5.875% APR.

What are Merced School Employees Credit Union's auto, boat & motorcycle loan rates?

As of August 4, 2026, Merced School Employees Credit Union offers vehicle loans from 5.39% APR.

What is Merced School Employees Credit Union's personal loan rate?

As of August 4, 2026, Merced School Employees Credit Union offers personal loans from 3.75% APR.

What is Merced School Employees Credit Union's best CD rate?

As of August 4, 2026, Merced School Employees Credit Union offers savings and certificate (CD) yields up to 9.00% APY.

Related Rate Data

Compare Merced School Employees Credit Union's rates against national credit-union benchmarks.

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Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for Merced School Employees Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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