MSEFCU Bear Branch

turns 10! 🐻🎉

We celebrated today at Merced High School with a prize wheel and raffle, and we’re so grateful to everyone who came out to celebrate with us—and to those who continue to support this on-campus credit union. Here’s to many more years together ✨

Saving and investing both help your money grow—but they work differently. In this student made video, our Bear Branch Student Tellers explain the basics from a teen perspective. They break down:

Saving: Safer, great for short term goals (school expenses, emergencies). Earns interest, grows steadily.
Investing: Potential for higher returns with more risk—better for long term goals if you can ride out ups and downs.
How to choose: Match your plan to your timeline and comfort with risk. For many high school students, starting with savings is a smart first step.

📍 Find us at Merced High School, Room 103
🕒 Wednesdays & Fridays, 12:45–3:30 pm (MHS students & staff)
Stop by, ask questions, and open your MSEFCU account!

Federally insured by NCUA. Educational content only; investing involves risk.
Merced School Employees Federal Credit Union