Modesto's First Federal Credit Union

Headquarters

430 12th Street
Modesto, CA 95354
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 2.55% →
1-Year CD N.A. 2.80% →
2-Year CD N.A. 3.20% →
5-Year CD N.A. 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Modesto's First is an NCUA insured institution located in Modesto, CA. It was founded in 1940 and has approximately $52.03 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4022
Date Established 1940
Assets $52.03 million
Loans $34.07 million
Deposits $46.20 million
Capital $4.99 million
 

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 16, 2022

Your Current Location: California, CA 92111

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 16, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
6.644% 6.500% 1.00 $3,750 $1,581 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to MODESTO'S FIRST
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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:
San Diego,California


Modesto's First Locations



Climate Initiatives

MODESTO'S FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
5.30% 4.75

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, 2022, Modesto's First had $59,728 in non-current loans and $210,000 in owned assets. To cover these potential losses it had $4,989,697 in net worth and $99,346 in loans loss reserves. That gives it a Texas Ratio of 5.30%.

Net Worth
Modesto's First U.S. Average
9.59% 12.28%

Modesto's First FCU has a net worth of 9.59% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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