ORGANIZED LABOR is an NCUA-insured credit union located in Modesto, CA. New auto loan rates from 5.50% APR. Google rating: 4.4 out of 5 from 11 reviews.

Organized Labor

2112 McHenry Ave, Modesto, CA 95350

NCUA Insured4.4 (11 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1974

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

2 charter

Established in 1974

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

2112 McHenry Ave

Modesto, CA 95350

Google Maps 🗺Waze

(209) 527-8731

Service Area

This credit union is located in Modesto and serves members in the CA area. Currently serving 3,087 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 · NCUA

Key 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

5.75%

Personal Loan

8.99%

Credit Card APR

8.99%

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).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%

Chula Vista City Employees— Used Auto Loan

Chula Vista, CA

1.99%

Keypoint— Personal Loan

San Jose, CA

2.99%

Northern Redwood— Credit Card APR

Arcata, CA

4.21%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Compare Rates in Modesto

See how ORGANIZED LABOR stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Modesto →Best Personal Loan Rates in Modesto →Best Credit Card Rates in Modesto →All Credit Unions in Modesto →

Member Reviews

4.4

11 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Ken Craig

a year ago

Been with olcu for 30 years and recommend this credit union for all those looking for excellent personal service for all your banking needs without all the hidden charges and fees the big banks bleed out of you, 5 Stars but would gladly rate it higher.

Wil Mathews

3 months ago

This place is what I want in a Credit Union to be...

Esther Marin

5 years ago

I've been banking with my credit union for many years I never had any regrets. There women are so very helpful sweet and kind and wonderful with us if we have a problem they will do there best to fix it for you.