Merced School Employees FCU
We are a credit union, kind of like a bank, but better. See why!
BALANCE Webinar for the Win!
SIGN UP for the July 8, 2026 Webinar: Mindful Money
SIGN UP for the July 8, 2026 Webinar: Mindful Money
SIGN UP for the August 5, 2026 Webinar: Money Scripts and Biases
SIGN UP for the August 5, 2026 Webinar: Money Scripts and Biases
- General MSEFCU Info -
Visit Our Website's Home Page
Visit Our Website's Home Page
We're Merced School Employees Federal Credit Union and we're all about helping our members achieve their financial goals since 1954.
MSEFCU: We're Your Neighbors Friends Family 2022
MSEFCU: We're Your Neighbors Friends Family 2022
We're not just tellers, loan officers, and member service reps. We're your neighbors, your friends, your family! Being part of this credit union family means...
Branch Locations, Hours, & ATMs
Branch Locations, Hours, & ATMs
Enter an address, zip code, or city and state to search for nearest MSEFCU branches, ATMs and co-op ATMs
Our Student-Run Branch Program
Our Student-Run Branch Program
MSEFCU Student-Run High School Branches info and social media links
Write a Google Review for MSEFCU!
Write a Google Review for MSEFCU!
- About Our Membership -
Apply for Membership Online NOW!
Apply for Membership Online NOW!
Who Can Join our Membership?
Who Can Join our Membership?
You can join MSEFCU if you are... School Employees of Merced and Mariposa Counties Kindergarten through High School Students in Merced and Mariposa Counties Retired School Employees from Merced and Mariposa Counties UC Merced Employees UC Merced Students Merced College Employees Merced College Students Merced City Employees McClatchy Publishing Employees MSEFCU Employees Spouse of a Deceased Primary Member Or a relative of those listed above
Becoming a Member
Becoming a Member
Financial Education for Members
BALANCE Webinars
BALANCE Webinars
BALANCE | Financial Wellness
BALANCE | Financial Wellness
Achieve financial wellbeing one step at a time.
Check out our fun/educational Student‑Made YouTube Shorts here!
Check out our fun/educational Student‑Made YouTube Shorts here!
Merced School Employees Federal Credit Union was formed in 1954 by 7 school employees who wanted to have a safe place to save and borrow money at fair interest rates. Robert Wayne, one of the founding fathers and Manager for 39 years, ran the credit union out of a shoe box in his apartment and took loan applications in his bedroom until the credit union was large enough to allow him to quit his teaching job and become full-time manager. When he retired, Nancy Deavours, who has been with the credit union for many years became the new President/CEO. Under her direction, MSEFCU has grown into a full service financial institution with four branches located in Merced, Atwater and Los Banos. The credit union is a Federally chartered, non-profit organization owned by its members. We provide a full array of financial products and services - from traditional savings plans, loans, investments, and checking accounts, to 24/7 convenience services. We've proudly served our hometown since 1954.
- Saving with MSEFCU -
We LOVE Savings Accounts
We LOVE Savings Accounts
Term Savings Accounts
Term Savings Accounts
- Spending with MSEFCU -
Check out our Checking Accounts
Check out our Checking Accounts
We offer two great checking account options to suit your needs. NO monthly service fees, NO minimum balance requirements, FREE ATM card, and more.
Digital Wallets | Contactless Payments
Digital Wallets | Contactless Payments
Add your MSEFCU Debit or Visa card to your mobile device's Digital Wallet app and pay from your device anywhere contactless payments are supported.
- Borrowing with MSEFCU -
Need a Loan? View Our Loan Rates!
Need a Loan? View Our Loan Rates!
Auto Loans
Auto Loans
Need a ride? We can lend a hand. Whether it’s a brand-new vehicle or new to you, we can get you on the road with a payment that won’t slow you down with great low rates.
Real Estate Mortgage Loans
Real Estate Mortgage Loans
Personal Loans
Personal Loans
VISA Credit Cards
VISA Credit Cards
- Miscellaneous -
Holidays | Branch Closures
Holidays | Branch Closures
Find a CO-OP ATM
Find a CO-OP ATM
Get Away Today - Discount DISNEYLAND® Vacations & Beyond
Get Away Today - Discount DISNEYLAND® Vacations & Beyond
Members Enjoy Other Amusement Park Savings, too!
Members Enjoy Other Amusement Park Savings, too!
Security, Identity Theft, & other Types of Fraud
Security, Identity Theft, & other Types of Fraud
Job Opportunities at MSEFCU!
Job Opportunities at MSEFCU!
Your Money Is Insured
Your Money Is Insured
Merced School Employees FCU Facebook
Merced School Employees FCU Facebook
Merced School Employees FCU Instagram
Merced School Employees FCU Instagram
Merced School Employees FCU X
Merced School Employees FCU X
Merced School Employees FCU YouTube
Merced School Employees FCU YouTube
Merced School Employees FCU Google Play Store
Merced School Employees FCU Google Play Store
Merced School Employees FCU Apple App Store
Merced School Employees FCU Apple App Store
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