--- title: "Merced School Employees Credit Union Rates - California" description: "Current mortgage, vehicle loan, personal loan, credit card, and savings & cd rates from Merced School Employees Credit Union in California. Updated daily with source verification. See who can join Merced School Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/merced-school-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Merced School Employees Credit Union Rates - California ### Mortgage rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Fixed Rate 1st Mortgages (1 - 180 Months)** other | — APR | 6.500% | — | Standard | | **Fixed Rate 1st Mortgages (181 - 240 Months)** other | — APR | 6.750% | — | Standard | | **Fixed Rate 2nd Mortgage (1 - 60 Months)** other | — APR | 6.750% | — | Standard | | **Purchase (360 Months)** other | — APR | 6.875% | — | Standard | | **Fixed Rate 2nd Mortgage (61 - 84 Months)** other | — APR | 7.000% | — | Standard | | **Fixed Rate 2nd Mortgage (85 - 120 Months)** other | — APR | 7.500% | — | Standard | | **Fixed Rate 2nd Mortgage (121 - 180 Months)** other | — APR | 7.750% | — | Standard | | **Land or Lot Purchase (1 - 84 Months)** other | — APR | 8.000% | — | Standard | | **Land or Lot Purchase (85 - 120 Months)** other | — APR | 8.250% | — | Standard | | **Land or Lot Purchase (121 - 180 Months)** other | — APR | 8.500% | — | Standard | | **12 Month Building Agreement** other | — APR | 10.750% | — | Standard | Merced School Employees Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **New and Used Vehicle Loans (2020 and Newer) (Up to 60 Months)** auto_any_60mo | — APR | 5.390% | 60 mo · any | Standard | | **Boats, RVs, Travel Trailers Loans (2020 and Newer) (Up to 60 Months)** boat_any_60mo | — APR | 5.390% | 60 mo | Standard | | **New and Used Vehicle Loans (2020 and Newer) (61 - 84 Months)** auto_any_84mo | — APR | 5.890% | 84 mo · any | Standard | | **Boats, RVs, Travel Trailers Loans (2020 and Newer) (61 - 84 Months)** boat_any_84mo | — APR | 5.890% | 84 mo | Standard | | **Houseboats/Yachts (2020 and Newer) (Up to 60 Months)** boat_any_60mo | — APR | 6.140% | 60 mo | Standard | | **Boats, RVs, Travel Trailers, etc. (2016 - 2019) (Up to 60 Months)** boat_any_60mo | — APR | 6.490% | 60 mo | Standard | | **Up to 60-Month Used Auto Loan (2016–2019)** auto_used_60mo | — APR | 6.490% | 60 mo · used | Standard | | **Houseboats/Yachts (2020 and Newer) (61 - 84 Months)** boat_any_84mo | — APR | 6.640% | 84 mo | Standard | | **Boats, RVs, Travel Trailers, etc. (2016 - 2019) (61 - 84 Months)** boat_any_84mo | — APR | 6.990% | 84 mo | Standard | | **Used Vehicle Loans (2016 - 2019) (61 - 84 Months)** auto_used_84mo | — APR | 6.990% | 84 mo · used | Standard | | **Up to 60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 7.740% | 60 mo | Standard | Merced School Employees Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Energy Efficient Loan (up to 84 Months)** personal_unsecured_84mo | — APR | 6.990% | 84 mo | Standard | | **Energy Efficient Loan (85 - 180 Months)** personal_unsecured_180mo | — APR | 7.500% | 180 mo | Standard | | **Checking Credit Line: (Overdraft Protection) (Revolving)** personal | — APR | 12.000% | — | Standard | | **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 12.750% | 60 mo | Standard | Merced School Employees Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Visa Share Secured Credit Card Disclosure** credit_card_secured | — APR | 8.250% | — | Standard | | **Visa Classic Credit Card Disclosure** credit_card | — APR | 10.750% | — | Standard | | **Visa Student Credit Card Disclosure** credit_card_student | — APR | 14.500% | — | Standard | Merced School Employees Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 18 offers | Product | Published | Rate | Term / condition | Status | | **Checking 0010 $5,000 - $999,999** checking | — APY | 0.05% | — | Standard | | **Redi-Cash 0026 (Checking 0010 $5,000 - $999,999)** checking | — APY | 0.05% | — | Standard | | **Irrevocable Trust 0061** savings | — APY | 0.25% | — | Standard | | **Redi-Cash 0026 (HSA Checking Family 0041 $1 - $4,999)** checking | — APY | 0.25% | — | Standard | | **HSA Checking Single 0040 $1 - $4,999** checking | — APY | 0.25% | — | Standard | | **Rate Type: Variable (Irrevocable Trust 0061)** savings | — APY | 0.25% | — | Standard | | **HSA Checking Single 0040 $5,000 - $999,999** checking | — APY | 0.30% | — | Standard | | **Redi-Cash 0026 (HSA Checking Single 0040 $5,000 - $999,999)** checking | — APY | 0.30% | — | Standard | | **IRA Accumulator 0098/0050** ira | — APY | 0.35% | — | Standard | | **Roth Conversion 0051** savings | — APY | 0.35% | — | Standard | | **Coverdell Ed 0053 (Redi-Cash 0026 $1,000 - $99,999)** savings | — APY | 0.35% | — | Standard | | **Rate Type: Variable (IRA Accumulator 0098/0050)** ira | — APY | 0.35% | — | Standard | | **Rate Type: Variable (Roth Conversion 0051)** savings | — APY | 0.35% | — | Standard | | **Redi-Cash 0026 $100,000 - $999,999** savings | — APY | 0.70% | — | Standard | | **Coverdell Ed 0053 (Redi-Cash 0026 $100,000 - $999,999)** savings | — APY | 0.70% | — | Standard | | **Savings** savings | — APY | 3.00% | — | Standard | | **Regular Savings (minimum of $1000)** savings | — APY | 3.75% | 36 mo | Standard | | **Health Savings Account (HSA) Loan (Up to 24 Months)** other | — APY | 9.00% | — | Standard | Merced School Employees Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Best Rate*** other | — % | 0.250% | — | Standard | | **Revolving** other | — % | 12.000% | — | Standard | Merced School Employees Credit Union other rates as of November 12, 2026 Merced School Employees Credit Union is a credit union in California. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/merced-school-employees) , verified from [Merced School Employees Credit Union's official website](https://www.mercedschoolcu.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Educational Employees** Merced · Merced · CA · 95340 About 6.4 miles away](https://rateapi.dev/credit-unions/california/educational-employees) [**Merco** Atwater Branch · Atwater · CA · 95301 About 6.9 miles away](https://rateapi.dev/credit-unions/california/merco) [**Travis** Atwater Branch · Atwater · CA · 95301 About 7.0 miles away](https://rateapi.dev/credit-unions/california/travis) [**Farmers Insurance** Farmers Insurance Group Federal Credit Union · Merced · CA · 95348-3404 About 7.5 miles away](https://rateapi.dev/credit-unions/california/farmers-insurance) [**Mocse** Turlock · Turlock · CA · 95380-3206 About 20.0 miles away](https://rateapi.dev/credit-unions/california/mocse) [**Rolling F** ROLLING F CREDIT UNION · TURLOCK · CA · 95382-2471 About 20.2 miles away](https://rateapi.dev/credit-unions/california/rolling-f) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Merced School Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Merced and Mariposa County School Verified from [Merced School Employees Credit Union's membership page](https://www.mercedschoolcu.org/our-info/membership/who-can-join) . Final membership determination is always made by the credit union. ## Membership rules for Merced School Employees Credit Union Employers 2 · Family 3 published paths to membership, last verified August 27, 2026, quoted from Merced School Employees Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of school “Merced and Mariposa County School Employees and Retirees” > [source ↗](https://www.mercedschoolcu.org/our-info/membership/who-can-join) - Employee of school - Retired employee of school “Merced and Mariposa County School Employees and Retirees” > [source ↗](https://www.mercedschoolcu.org/our-info/membership/who-can-join) - Retiree of school ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family Of Deceased surviving spouse “Spouses of Deceased Primary Members” > [source ↗](https://www.mercedschoolcu.org/our-info/membership/who-can-join) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Merced School Employees Credit Union? Yes No ## Work at Merced School Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Merced School Employees Credit Union ranks against California peers. - See which AI assistants fetched Merced School Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=merced-school-employees&state=california&code=CA&name=Merced%20School%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join Merced School Employees Credit Union? Merced School Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Merced School Employees Credit Union, each quoted from Merced School Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Merced School Employees Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mercedschoolcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Merced School Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Merced School Employees Credit Union curl "https://api.rateapi.dev/credit-unions/california /merced-school-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Merced School Employees Credit Union locations Search, filter, and browse all 8 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/merced-school-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp