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Merced School Employees Federal Credit Union Homepage

Coronavirus COVID-19 Preparedness

Merced School Employees Federal Credit Union
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With new Coronavirus (COVID-19) developments happening every hour, we continue to monitor the situation and adjust our plans to ensure we’re doing the most we can to keep our members, staff and the community as healthy as we can.

Stimulus Check

The IRS will be sending out stimulus checks that will post as early as April 15th. For most tax payers, you will receive the checks via direct deposit, with the IRS using the bank account information from your 2019 or 2018 filed tax returns. If you need to update your credit union account information or if you have any other questions about the stimulus checks, please click here to visit the IRS Economic Impact Payments website. 

Reduced Lobby Hours

All of us here at MSEFCU want to make sure we’re serving our members in the best possible way during this difficult time. In order to keep providing you with excellent service while also protecting your health and the health of our staff, we have made the decision to temporarily reduce our branch lobby hours effective March 28th.

Please know, even though our lobby hours have been reduced, our employees will still be on site to assist our members by answering phone calls and e-mails Monday through Friday from 8:30 am to 5:00 pm. 


New Temporary Lobby Hours (All Full-Service Branches)

Monday through Friday - 10:00 am to 3:00 pm

All Branches will be closed on Saturdays and our M St Branch will now be open on Mondays. 


Drive-Thru Teller Lane Hours at the Atwater and Main Branch

Monday through Friday - 8:00 am to 4:00 pm


Temporary Walk Up Window Hours at the M St. Branch

Monday through Friday - 8:00 am to 4:00 pm


Member Service Phone Calls and e-mails

Monday through Friday - 8:30 am to 5:00 pm

(Click here to email us)

Our remote services will continue to be available to Members around the clock. We strongly encourage our Members to use cu@home Online Banking, MSEFCU Mobile App and the Co-Op ATM network to complete your banking transactions. All Loan and New Account business can be conducted through our website or by calling into the Credit Union to get your application started. If you have a banking need that cannot be completed remotely or within the reduced lobby hours, please call us at (209) 383-5550 so we can assist you.

Loan Relief Services

Your financial wellbeing is important to MSEFCU and if you are experiencing reduced or lost income due to the Coronavirus Pandemic, we are here to help, as we always have been.

We hope to lessen the financial hardship during this unfortunate situation by offering different options to suit your needs, such as delaying a payment, waiving fees, increasing a credit line, or getting a low interest loan with no payment due for 60 days.
If you have been financially impacted by COVID-19, MSEFCU can help! Please call us at 209-383-5550 ext 141/142.

Remote Services

ATM’sTake advantage of our nearly 30,000 surcharge free ATMs. Some of which take deposits as well. Click here to locate an ATM nearest you.

cu@home Online Banking & MSEFCU Mobile AppUse these electronic services to:

     • Check your balances
     •  View account history
     •  Make transfers
     •  Deposit checks (Mobile App Only)
     •  Pay your bills
     •  Apply for loans
     •  Call or email us

For Online Banking or Mobile Banking questions call 383-5550 x144/154.

Day & Night TellerTo use our Audio Response Teller call 209-383-5550 option 8 or 833-553-2938 and follow the prompts or click here for instructions. If you need to set up a PIN, give us a call at 209-383-5550 x144.

Night DropUse an envelope and utilize the night “depository” drawer at our Main Branch, Atwater Branch and Los Banos Branch.

LoansWe are still processing loans! Loan applications can be submitted online or you can call us to start your application at 209-383-5550 x141/142.

Open an Account Online - If you're looking to open an account, you can do so online by clicking here.

Coronavirus Scams

Fraudsters haven’t wasted any time with scams related to the Coronavirus, especially since congress passed the large COVID-19 relief and stimulus package. There has been a rise in fraud due to the stimulus package and they expect the fraud to continue throughout the pandemic. We are asking our members to be vigilant during these times.

In response to the federal stimulus package, keep in mind that the IRS doesn't initiate contact with taxpayers by email, text messages or social media channels to request personal or financial information. This includes requests for PIN numbers, passwords or similar access information for credit cards, banks or other financial accounts.

Please always remember to never share your personal information or give out your bank account information. If something looks suspicious or seems too good to be true, it probably is. For more information on how to avoid Coronavirus scams, visit

Re-Scheduled Living Trust Seminar

Due to the COVID-19 pandemic, our April 29th Living Trust Seminar has been rescheduled with a new tentative date of June 17th. We have a Living Trust Seminar list for the rescheduled seminar date, but if the pandemic government orders stay the same, we will reschedule the seminar again.
To be added to the Living Trust Seminar list, please email , call 209.383.5550 ext.157 , or click here(Opens in a new Window) to Contact Us straight from our website. (Be sure to mention the Living Trust Seminar or LTS in your message).

Your Money is safe with MSEFCU

As the situation progresses, MSEFCU wants to assure our members that your funds are safe and will be accessible.
All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund (NCUSIF), with deposits insured up to at least $250,000 per individual depositor.
It is important to know; credit union members have never lost a penny of insured savings at a federally insured credit union.

We will continue to closely monitor the situation and follow the guidance recommended by the CDC, Federal, State and Local Agencies. Your health, safety and welfare are our highest priority. For additional information about COVID-19, you can find the latest report from the CDC website.
While our lobby hours are reduced, Merced School Employees Federal Credit Union wants to reassure our members that we are here for you. We are here to serve your needs while ensuring access to your money and accounts at MSEFCU. Please continue to check our Coronavirus Preparedness page, your emails from us, visit our Facebook page and/or Instagram page for additional updates.
In the meantime, stay healthy and thank you for doing your part to ensure the safety and well being of yourself and those around you.