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Merced School Employees Federal Credit Union Homepage

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Real Estate Mortgages

Merced School Employees Federal Credit Union
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Feel at home with MSEFCU.

From first-time home buyers to refinancing and second mortgages, our experienced team will support you through the process. Come in, sit down and talk to us, or call us at 383-5550 x181.


First Mortgage

You want a home for life, not a loan for life!  We get it, that’s why we offer shorter terms.  Purchase or refinance with terms up to 20 years, low fees and up to 80% LTV.

New 30-Year Fixed Rate

Say goodbye to PMI!  You can purchase up to 95% LTV or refinance up to 90% with NO Private Mortgage Insurance (PMI)!  

Second Mortgage

Borrow from the equity in your home to fund your dreams.  Home improvements, college tuition, whatever your needs are, we can help with a fixed rate and up to 15-year terms. 

Home Equity Line of Credit (HELOC)

A more flexible way to borrow from your equity, a HELOC is a revolving credit line.  Use as little or as much as you need.  Minimum loan amount of $10,000 maximum loan amount of $100,000. 

Land and Lot Purchases

Start from the ground up with a loan to purchase property to build on.  Borrow up to 70% LTV with terms up to 15 years. 

SPECIAL NOTES: MSEFCU deed loans are available only on primary residential property located within 150 road miles from the Merced Main Office. Finance charges are calculated on simple interest with no prepayment penalties. Read the HELOC Program Disclosure here.


Additional Home Loan Options (CU Member Mortgages)

If MSEFCU doesn’t have the right home loan for you, we can still help.  Our team can assist you through CU Members Mortgage’s process for Jumbo loans, investment property mortgages, government programs and more. Click here to apply.

Insurance Services

The credit union offers Credit Life and Credit Disability Insurances through MEMBER’S CHOICE® from CUNA Mutual Holding Company.  All the rates, all in one spot. Click here for more information.

Free Annual Credit Report

Get a FREE credit report from all three credit reporting companies -  Equifax, Experian, and TransUnion -  every year.  Visit www.freecreditreport.com to get yours.




We're Here For You!

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Are you almost ready for retirement? Or maybe you're trying to get a jump start on your future retirement. Let us help!
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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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Saving for the future? Let us help get you started! Our team can assist with you with our many options!