Modesto's First Federal Credit Union


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

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
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

Modesto's First is an NCUA insured institution located in Modesto, CA. It was founded in 1940 and has approximately $48.93 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4022
Date Established 1940
Assets $48.93 million
Loans $28.21 million
Deposits $44.00 million
Capital $4.61 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 - October 21, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Modesto's First

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Loan Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.745% 2.690% 0.75 $1,800 $1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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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.

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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
5.25% 3.79

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 June 30, 2021, Modesto's First had $36,405 in non-current loans and $210,000 in owned assets. To cover these potential losses it had $4,608,944 in net worth and $86,290 in loans loss reserves. That gives it a Texas Ratio of 5.25%.

Net Worth
Modesto's First U.S. Average
9.41% 12.22%

Modesto's First FCU has a net worth of 9.41% versus the BestCashCow average of 12.22. 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. 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. Modesto's First is insured by the NCUA.

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 $4.61 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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