Modesto'S First
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1940
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Modesto, CA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1940
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Modesto and serves members in the CA area. Currently serving 3,477 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q1 2026 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Why this matters
These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.
Source: NCUA Federally Insured Credit Unions list, Q1 2026.
Loan Rates
Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.
New Auto Loan
5.50%Used Auto Loan
6.50%Personal Loan
15.75%Credit Card APR
10.99%Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in CA
Lowest rates currently reported by credit unions in CA (NCUA Q1 2026).
Burbank, CA
Chula Vista, CA
San Jose, CA
Arcata, CA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(1 total)
Compare Rates in Modesto
See how MODESTO'S FIRST stacks up against other credit unions nearby — sorted by lowest APR.
Member Reviews
4.2
20 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Paul Zapata
5 months ago
The credit union is AMAZING!! All of the employees are wonderful and I cannot say enough about Heather. They make any banking needs so easy. Their rates are also great. They have earned my business and I will be a long time customer.
Alexandra Castro
8 months ago
Tiny and tidy this place is full of an Amazing Team! The Customer Service is excellent, the wait time is close to none, and the services they offer are above and beyond. I love that I am able to work on my credit!
Justus Spano
6 months ago
Always very nice and considerate!! Great staff.
Lindsey
2 years ago
I would rate zero stars if I could. 1/12/23 between the hours of 12:45-2pm my life partner was racially discriminated against by the staff. He came in to follow up on his loan application AS A MODESTO JR COLLEGE student and was told before being spoken to, “we don’t just serve anybody here.” Staff immediately brushed him off and treated him like garbage. We will be following up on this to the highest office of this establishment. Do not recommend.
Julio Harless
8 years ago
Friendly staff who know you by name. Great rates and free checking. Can use ATM card at any CO-OP atm without fees. Only issues I've ever had were when trying to withdraw several thousand dollars at a time without advance notice. Because they are so small, they don't keep that much cash on hand.
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(209) 521-2020Website
Visit WebsiteMembers
3,477
Total Assets
$72.2M
Year Opened
1940
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile