Effective as of: October 1, 2025
Rate Type: Variable
| Account Type | Rate | Account Percentage Yield | Dividend Declaration Date |
|---|---|---|---|
Minimum Opening Balance $5 / Minimum to Earn Dividends $5 |
|||
| Regular Saving 0001 | .25% | .25% | 11/01/22 |
| Summer Saving 0031 | .25% | .25% | 11/01/22 |
| Irrevocable Trust 0061 | .25% | .25% | 11/01/22 |
| Christmas Club 0030 | .25% | .25% | 11/01/22 |
| Special Savings 0020 | .25% | .25% | 11/01/22 |
| Revocable Trust 0062 | .25% | .25% | 11/01/22 |
| Escrow 0070 | .25% | .25% | 11/01/22 |
| IRA Accumulator 0098/0050 | .35% | .35% | 11/01/22 |
| Roth Conversion 0051 | .35% | .35% | 11/01/22 |
| Roth IRA 0052 | .35% | .35% | 11/01/22 |
| Coverdell Ed 0053 | .35% | .35% | 11/01/22 |
| Account Type | Rate | Account Percentage Yield | Dividend Declaration Date |
|---|---|---|---|
Minimum Opening Balance $1000 / Minimum to Earn Dividends $1000 |
|||
|
Redi-Cash 0026
$1,000 - $99,999
|
.35% | .35% | 2/1/23 |
|
Redi-Cash 0026
$100,000 - $999,999
|
.70% | .70% | 2/1/23 |
| Account Type | Rate | Account Percentage Yield | Dividend Declaration Date |
|---|---|---|---|
Minimum Opening Balance $10 / Minimum to Earn Dividends $5000 |
|||
| Checking 0010 $1 - $4,999 |
.00% | .00% | 06/01/2011 |
| Checking 0010 $5,000 - $999,999 |
.05% | .05% | 09/01/2018 |
| Tiered Account | |||
| HSA Checking Single 0040 $1 - $4,999 |
.25% | .25% | 11/01/22 |
| HSA Checking Family 0041 $1 - $4,999 |
.25% | .25% | 11/01/22 |
| HSA Checking Single 0040 $5,000 - $999,999 |
.30% | .30% | 11/01/22 |
| HSA Checking Family 0041 $5,000 - $999,999 |
.30% | .30% | 11/01/22 |
| Tiered Account | |||
APY is Annual Percentage Yield. This Rate Schedule states rates applicable to specified accounts and common to all accounts. This schedule is incorporated as a part of your account agreement with Merced School Employees FCU. For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term savings accounts were offered within the most recent thirty calendar days and were accurate as of the effective date indicated. Please call 209-383-5550 ext. 155, or to obtain recorded rate information dial 209-383-5550 option 5. All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
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