MODESTO'S FIRST

430 12TH STREET
Modesto, CA 95354

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 4022
Date Established 1940
Assets $32.05 million
Loans $15.60 million
Deposits $27.52 million
Capital $4.40 million

Modesto's First is an NCUA insured institution located in Modesto, CA. It was founded in 1940 and has approximately $32.05 millions in assets.

Field of Membership Restrictions

Membership is open to employees of the city of Modesto, Lucent Technologies, Proctor and Gamble working in Stanislaus County, AT&T working in Stanislaus County, A. E. Kline DVM / College Veterinary Hospital, Liquid container L.P., Modesto Tractor, Fabricated Extrusion working in Modesto, European Automotive Specialties, Manteca Ambulance Service – Manteca & Sonora, City of Hughson, Four Star Recovery, Capital Auctions, Physicians, physician’s staff members of Stanislaus Medical Society in Modesto, and select other groups.

Deposit Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

We do not yet have rates for Modesto's First

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Note to Modesto's First
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There are currently no rates available for Modesto's First, but see these great savings and CD rates:

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Loan Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MODESTO'S FIRST

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

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Branches

Below are Modesto's First 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:
Ashburn,Virginia


Modesto's First Locations


Financial Details

Modesto's First Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Modesto's First. 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
Modesto's First U.S. Average
5.90% 6.77

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, 2019, Modesto's First had $55,856 in non-current loans and $210,000 in owned assets. To cover these potential losses it had $4,399,174 in net worth and $104,458 in loans loss reserves. That gives it a Texas Ratio of 5.90%.

Net Worth
Modesto's First U.S. Average
13.72% 13.47%

Modesto's First FCU has a net worth of 13.72% versus the BestCashCow average of 13.47. 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 Modesto's First

Branches and Savings

What is Modesto's First?

A federal credit union, registered with the NCUA under certificate #4022.
Learn more about credit unions here.

Is Modesto's First FDIC insured?

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

Who can join Modesto's First?

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

What are Modesto's First's share account and share certificate rates?

Modesto's First'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 Modesto's First?

Modesto's First has total capital of $4.40 million. Full information on Modesto's First's financial position is located above.

Who owns Modesto's First?

Credit Unions are owned by their members.

Where are Modesto's First branches located?

See branch locations nearby.

Are Modesto's First ATMs Open 24/7?

Do Modesto's First ATMs accept cash deposits?

Can Modesto's First customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Modesto's First have a mobile app?

Does Modesto's First have mobile deposit?

Does Modesto's First have quick pay?

How can Modesto's First transfer money to other banks or credit unions?

Does Modesto's First report to credit bureaus?

Does Modesto's First use Chexsystems?

Does Modesto's First use Equifax?

What is Modesto's First's toll free phone number?

What is Modesto's First's ACH Routing Number?

What is Modesto's First's SWIFT code?

Where can I find Modesto's First's wire transfer form?

What is the Modesto's First address for deposits?

What Products Does Modesto's First Offer

Does Modesto's First offer mortgages?

Compare mortgage rates here.

Does Modesto's First offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Modesto's First offer auto and RV loans?

Compare auto loan rates here.

Does Modesto's First offer student loans or personal loans?

Compare personal loan rates here.

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