Mocse Credit Union Modesto CA | Best Auto Loans & Business Banking

Introduction

Welcome to Mocse, your trusted credit union located at 1400 J St, Modesto, CA 95354. Established in 1959, we have been a cornerstone of the community for over six decades, helping our members achieve their financial goals with confidence and care. With a total membership of 28,790, we pride ourselves on providing personalized service and innovative solutions tailored to your needs. At Mocse, we understand the importance of financial stability. That's why we manage $410,506,581 in total assets and maintain a solid net worth of $39,592,401. Our commitment to fostering a healthy financial environment is reflected in our impressive deposit figures of $33,106,388 and our dedication to supporting members with various loans totaling 17,057 loans and leases. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 3600 Coffee Rd, Modesto, CA 95355-1163. Whether you're looking for personal banking services like checking and savings accounts or need assistance with auto loans and mortgages, we are here to help. Led by CEO Shane Saunders and Board President Joy Mastache, our team of 68 employees is dedicated to serving you. We believe in building relationships based on trust and transparency. Feel free to reach out to us at 209-572-3600 for any inquiries or support. Join us at Mocse today! Visit our website here or stop by the branch during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. We look forward to being part of your financial journey!

Branch History & Mission

Commitment to Excellence

Our team is always looking for ways to improve your experience with us. We focus on being ADA compliant and providing customer-centric initiatives that make every visit enjoyable. Currently, we offer ATM services for quick cash access but do not have a drive-thru facility at this branch. As we continue to grow, our core values remain unchanged integrity, community focus, and member satisfaction guide everything we do. Join us on this journey as we work together toward financial wellness for all. If you're ready to experience the benefits of membership at Mocse or want to learn more about what we can offer you, don't hesitate! Visit us today or explore our website at mocse.org for more information. Together, let's build a brighter financial future!

Our Mission

At Mocse, our mission is straightforward yet powerful: to provide excellent financial services while fostering community support. We believe that everyone deserves access to quality financial products tailored to their needs. Whether it's personal banking solutions like checking accounts or auto loans, or business banking options such as merchant services and business loans, we are here to help our members thrive. We prioritize accessibility and innovation. With features like online banking, mobile payments, and e-statements, we ensure that managing your finances is convenient and secure. Our commitment extends beyond just banking; we actively engage in community outreach efforts that empower individuals and strengthen neighborhoods.

Branch Location & Accessibility

Connect with Us

Have questions? Our friendly team is ready to assist you! Feel free to give us a call at 209-572-3600 or stop by during our operating hours. We look forward to welcoming you at Mocse and helping you with all your banking needs!

Nearby Landmarks and Accessibility

Mocse is situated near key landmarks in Modesto, making it easy to stop by while running errands or enjoying a day out. The branch is easily accessible with ample parking available for your convenience. We are committed to ensuring our facilities are ADA compliant, featuring ramps and other accessibility features for all members.

Operating Hours

We understand that life can be busy! That's why we offer flexible operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. These hours allow you to visit us at a time that works best for your schedule.

Services Offered

At Mocse, we take pride in offering a wide range of financial services tailored just for you. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options, we're here to help you reach your financial goals. Plus, enjoy the convenience of ATM access for quick cash withdrawals and balance checks.

Member Eligibility

At Mocse, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Modesto area, you're likely eligible to join us. We're here to provide you with not just banking services but also a sense of belonging and support as you navigate your financial journey. For detailed eligibility criteria, feel free to check out our website at . Opening an account with us is just as easy! You can start the process online by visiting https://online.mocse.org/auth/enrollment . If you have any questions or need assistance, don't hesitate to reach out at (209) 572-3600. Join us at our branch located at 1400 J St Modesto Ca 95354, and let's build your financial future together!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, our merchant services help streamline your payment processes so you can focus on what matters most running your business. Imagine being able to accept payments anytime, anywhere with ease. Our solutions enable you to provide a smooth checkout experience for your customers, ensuring that every sale is as simple as possible. Visit us at 1400 J St Modesto Ca 95354 or call us at (209) 572-3600 to learn more about how Mocse can support your business goals today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. This funding provides you with the necessary capital to invest in new equipment, expand your workforce, or launch that innovative project you've been dreaming about. - Although we currently have no non-member commercial loans to highlight, our focus remains on fostering local enterprises within our community. With an outstanding commercial loan portfolio of $595,727, we continue to drive economic growth by financing new and expanding businesses. This dedication not only supports individual companies but also enhances the vitality of our entire community in Modesto, CA.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options can help make your dream vehicle a reality. We understand that purchasing a car is a significant investment, so we work hard to offer competitive rates that suit your budget.

Business Banking Services

If you're a business owner, you'll find our business banking solutions incredibly valuable. We offer merchant services that simplify payment processing and business loans tailored for various needs, from startup capital to expansion financing. Supporting local businesses is part of our mission at Mocse.

Cash Withdrawal Services

For those who prefer traditional banking methods, our ATM services are available for cash withdrawals and balance checks whenever you need them. We ensure that access to your funds is quick and easy. At Mocse, we're proud to be more than just a credit union; we're a partner in your financial journey. If you're ready to explore what we have to offer or if you have any questions about our services, feel free to reach out at (209) 572-3600 or visit us today! Your financial well-being is our top priority, and we're here to help every step of the way.

Convenient Online & Mobile Banking

In today's busy world, convenience is key. That's why we provide robust online and mobile banking services that let you manage your accounts anytime, anywhere. With features like person-to-person payments and easy access to account information through our mobile app, banking has never been easier.

Mortgage Loans & Refinancing

Homeownership is a goal for many, and at Mocse, we want to help you achieve it. Our mortgage loans and refinancing services are designed to guide you through the home-buying process smoothly. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our knowledgeable staff will be there to assist you.

Personal Banking Solutions

Managing your finances should be straightforward and stress-free. That's why we offer various personal banking options. From checking and savings accounts that help you manage your daily expenses to personal loans designed for debt consolidation or unexpected costs, we aim to provide solutions that fit your lifestyle. Our credit cards with rewards allow you to earn points on purchases you make every day, making your spending work for you.

Digital & Online Banking

Key Services

Our online banking platform, available at https://www.mocse.org/ , offers a range of features that make it easy to keep track of your accounts. You can view your balances, transfer money between accounts, and pay bills all in one place. Plus, with our e-statements feature, you can go paperless and access your statements electronically whenever you need them no more waiting for the mail! If you're looking for a quick way to send money to friends or family, our person-to-person transfer option allows you to do just that with just a few taps on your mobile device. Speaking of mobile devices, our mobile application ensures that all these services are right at your fingertips. Whether it's checking your balance during lunch or making a payment on the bus, banking has never been easier.

Security and Accessibility

Your safety is our top priority. We use advanced security measures to protect your personal information so that you can bank with peace of mind. And if you prefer using mobile payments, we've got you covered our services include support for various mobile payment options. Enjoy 24/7 access to your accounts through our online banking services. With tools designed for real-time account management, you'll always have control over your finances. So if you're ready to experience the future of banking today, visit us online at https://www.mocse.org/ and discover all that Mocse has to offer!

Financial Strength

A Growing Community

Total Share Accounts: 52,998, showing a strong and growing member base that trusts us with their finances. This growth is not only a number; it represents the relationships we've built within the community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mocse is your trusted partner. Visit us at 1400 J St Modesto Ca 95354 or call (209) 572-3600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Commitment to Growth

Our dedication to serving you is reflected in our $27,845,757 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. With $5,452 in used auto loans and $224,612,098 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $47,255,862 in share certificates and $67,983,186 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,064,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 68 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $39,592,401, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $964 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

We also have various credit lines available, totaling $50,000,000, designed to give you the flexibility to manage unexpected expenses or take advantage of opportunities as they arise. Plus, if you're considering refinancing existing debts or exploring eligibility options for any of our loan products, we're here to help clarify those pathways for you. At Mocse, we pride ourselves on providing personalized service and support throughout your borrowing experience. If you have questions or need assistance, don't hesitate to reach out by calling us at (209) 572-3600. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $99,004,167 in used vehicle loans and $39,732,080 in new vehicle loans already helping members get on the road. Whether you're looking for a reliable used vehicle or a brand-new model, we've got financing options that fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $595,727 provide the capital needed to grow and expand. We understand that each business has unique challenges, and our team is ready to assist you in finding the right financing solution.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $25,348,324, make buying or refinancing simple. We can guide you through each step of the mortgage process, ensuring you understand your options and find the best fit for your situation.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible unsecured credit card loans. With a total of $9,288,437 in loans, we help our members maintain financial stability while enjoying the benefits of modern-day purchases without the stress.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the options you see are genuine and current. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every lender is presented equally, allowing you to choose based solely on what works best for you. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. You won't have to worry about outdated information affecting your choices. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective LendMesh can be in securing better rates for its users. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers. By relying on trusted sources, LendMesh guarantees that the information presented is accurate and reliable.

MOCSE FEDERAL CREDIT UNION