2025 Overview
General Credit Union Information
Mocse is an NCUA insured institution located in Modesto, CA. It was founded in 1959 and has approximately $434.35 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,
California
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 | $434.35 million |
| Loans | $216.73 million |
| Deposits | $407.33 million |
| Capital | $41.27 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 31, 2025
Your Current Location: New York, NY 10116
| 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 31, 2025
Your Current Location: New York, NY 10116
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 - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.380% | 6.250% | 0.75 | $4,414 | $1,971 | Learn More |
NMLS ID: 401822 |
6.632% | 6.500% | 0.75 | $4,395 | $2,023 | Learn More |
NMLS ID: 3030 |
Learn More | |||||
NMLS ID: 401822 |
Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to Mocse
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
New York City,New York
Mocse Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2492.38 | A | View Lobby Hours | |
| 2498.12 | B | View Lobby Hours | |
| 2499.48 | C | View Lobby Hours |
Climate Policy and Initiatives
MOCSE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 14.84% | 6.86 |
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, 2025, Mocse had $5,290,267 in non-current loans and $1,394,712 in owned assets. To cover these potential losses it had $41,267,219 in net worth and $3,788,021 in loans loss reserves. That gives it a Texas Ratio of 14.84%.
Net Worth
| Mocse | U.S. Average |
|---|---|
| 9.5% | 14.12% |
Mocse FCU has a net worth of 9.5% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Mocse
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