3600 Coffee Rd
Modesto, CA 95355
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Mocse is an NCUA insured institution located in Modesto, CA. It was founded in 1959 and has approximately $390.04 millions in assets.

Who can join?

The Field of Membership of Mocse Federal Credit Union shall be limited to those having the following common bond:

1. Persons who live, work, worship, or attend school in, and businesses
and other legal entities located within Stanislaus County, California

2. Persons who live, work, worship, or attend school in, and businesses
and other legal entities located within Mariposa, Merced and Tuolumne
Counties, California

3. Employees of all public school districts, who work in Stanislaus County
or Tuolumne County, California.

4. Members of the California State Employees Association, Don Pedro
Chapter #67 and #176, in Sacramento, California, who qualify for
membership in accordance with its charter and bylaws in effect on
January 1, 2002.
Full-time employees of the California National Guard, Modesto
Battalion, who work in Modesto, California
Employees of the California State University, Stanislaus, who work in
Turlock, California
Federal employees who work in Stanislaus County, California
(excluding U.S. Postal and Military Service Personnel on active duty
under United States Code Title 10)
Employees of select companies who work in Modesto,

Spouses of persons who died while within the field of membership of this credit union; employees of this credit union; persons retired as pensioners or annuitants from the above employment; volunteers; members of their immediate families or households; and organizations of such persons.

NCUA Insured Yes / Federally Chartered
Charter Number # # 12805
Date Established 1959
Assets $390.04 million
Loans $132.65 million
Deposits $360.29 million
Capital $30.28 million

Field of Membership Restrictions

Must live, work, worship or attend school in Stanislaus, Mariposa, Merced or Tuolumne Counties in California. Also open to employees of several other Institutions and companies.

Deposit Rates - July 24, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.04% $10,000 $14,999 Learn More
Money Market
0.06% $25,000 $29,999 Learn More

Loan Rates - July 24, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for MOCSE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Neighbors Bank
NMLS ID: 491986
2.808% 2.750% 0.75 $1,875 $1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info

Note to MOCSE
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Mocse branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Financial Details

Mocse Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mocse. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Mocse U.S. Average
2.02% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Mocse had $566,498 in non-current loans and $64,113 in owned assets. To cover these potential losses it had $30,277,780 in net worth and $976,364 in loans loss reserves. That gives it a Texas Ratio of 2.02%.

Net Worth
Mocse U.S. Average
8.35% 12.20%

Mocse FCU has a net worth of 8.35% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Mocse

Branches and Savings

What is Mocse?

A federal credit union, registered with the NCUA under certificate #12805.
Learn more about credit unions here.

Is Mocse FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Mocse is insured by the NCUA.

Who can join Mocse?

Please see Field of Membership information above for information on who is eligible to join.

What are Mocse's share account and share certificate rates?

Mocse's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Mocse?

Mocse has total capital of $30.28 million. Full information on Mocse's financial position is located above.

Who owns Mocse?

Credit Unions are owned by their members.

Where are Mocse branches located?

See branch locations nearby.

Are Mocse ATMs Open 24/7?

Do Mocse ATMs accept cash deposits?

Can Mocse customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Mocse have a mobile app?

Does Mocse have mobile deposit?

Does Mocse have quick pay?

How can Mocse transfer money to other banks or credit unions?

Does Mocse report to credit bureaus?

Does Mocse use Chexsystems?

Does Mocse use Equifax?

What is Mocse's toll free phone number?

What is Mocse's ACH Routing Number?

What is Mocse's SWIFT code?

Where can I find Mocse's wire transfer form?

What is the Mocse address for deposits?

What Products Does Mocse Offer

Does Mocse offer mortgages?

Compare mortgage rates here.

Does Mocse offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mocse offer auto and RV loans?

Compare auto loan rates here.

Does Mocse offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Mocse

There are currently no comments for Mocse. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →