Modesto's First Federal Credit Union


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

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.60% →
2-Year CD N.A. 4.90% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 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 $52.55 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4022
Date Established 1940
Assets $52.55 million
Loans $40.42 million
Deposits $46.83 million
Capital $5.49 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 - April 23, 2024

Your Current Location: Virginia, VA 20146

We do not yet have rates for Modesto's First

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

Back to Modesto's First

Note to Modesto's First
To upload and update your credit union's rates please register. It is free to register and add rates.

Advertiser Disclosure

Loan Rates - April 23, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.894% 6.750% 0.88 $4,746 $2,076 Learn More
Rocket Mortgage
NMLS ID: 3030
7.463% 7.375% 0.88 $2,800 $2,211 Learn More
NMLS ID: Not a Lender
Learn More
Neighbors Bank
NMLS ID: 491986
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

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


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:

Modesto's First Locations

Climate Policy and 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.

Add Your Review

or use your BestCashCow account


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
5.91% 6.97

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 December 31, 2023, Modesto's First had $120,660 in non-current loans and $210,000 in owned assets. To cover these potential losses it had $5,488,912 in net worth and $103,115 in loans loss reserves. That gives it a Texas Ratio of 5.91%.

Net Worth
Modesto's First U.S. Average
10.45% 13.62%

Modesto's First FCU has a net worth of 10.45% versus the BestCashCow average of 13.62. 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 Modesto's First

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

Add Your Review

or use your BestCashCow account