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Merced School Employees Federal Credit Union Homepage

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Who We Are

Merced School Employees Federal Credit Union
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MSEFCU's Story

Does this money smell like leather to you?  For the first four years, MSEFCU was run out of a shoe box in Robert Wayne’s apartment!

In 1954, seven Merced school employees looking for a safe and affordable place to save and borrow money, came together to start Merced School Employees Federal Credit Union.  Robert Wayne, one of the founding seven and Manager for 39 years, ran the credit union out of a shoe box in his apartment for the first four years!  Since our humble beginning, MSEFCU has grown to four full-service brick and mortar branches in Merced County and four student-run branches in local area high schools.  We have real vaults too—no more shoe boxes!

What is a Credit Union?

People helping people.  That’s the credit union philosophy.

A credit union is a not-for-profit financial institution here to serve its members.  We offer everything a bank does, from checking accounts to loans, but unlike banks, credit unions are member-owned cooperatives.  By pooling their money together, members provide each other with a safe place to save and borrow money at reasonable rates.  At a credit union, your vote counts and members elect a volunteer board of directors to manage the credit union.   

Our Mission

Our mission is to help members achieve their financial goals by building lifelong relationships within our diverse community, one member at a time, through a wide array of products and services.

Who protects your money?

A really big dog named Cash…just kidding.  MSEFCU’s accounts are insured by a federal insurance fund.

Credit unions are protected by a federal insurance fund that is totally separate from the system that covers banks and other financial institutions. It is administered by an independent government agency called the National Credit Union Administration (NCUA). This agency insures your savings in much the same way as the Federal Deposit Insurance Corporation (FDIC) insures banks.

Your savings are federally insured up to $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the U.S. Government. Your Individual Retirement Accounts are insured separately up to $250,000 by NCUA.

We're Here For You!

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Whether you want to become a homeowner or use your home’s equity to your advantage, our loan officers can help you finance the mortgage loan that’s right for you & your loved ones!
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Get the power to make purchases wherever you are, whenever you need to, without draining your savings!
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It’s never too early to start teaching your kids how to manage their finances. So, let’s get them started today!