Mocse Credit Union Modesto CA | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Mocse at our Coffee Road branch, located conveniently at 3600 Coffee Rd, Modesto, CA 95355. Since our establishment in 1959, we have dedicated ourselves to serving the financial needs of our community with trust and integrity. With a membership base of 28,790, we pride ourselves on being more than just a credit union; we are a financial partner that truly cares about your success. At Mocse, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored just for you from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. Our total assets stand strong at $410,506,581, reflecting our commitment to your financial well-being. With over $33,106,388 in total deposits and robust lending capabilities amounting to 17,057 loans and leases, we are here to help you achieve your goals. Our leadership team is dedicated to guiding Mocse into the future. Under the stewardship of CEO Shane Saunders and Board President Joy Mastache, our staff of 68 employees works tirelessly to ensure that you receive the highest level of service possible. Whether you're seeking advice on business loans or need assistance with online banking, we're here for you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 3600 Coffee Rd, Modesto, CA 95355-1163. We invite you to explore what Mocse has to offer by visiting our website at mocse.org or giving us a call at 209-572-3600. Join us in making smart financial choices today!

Branch History & Mission

Community Engagement

We understand that being part of a community means giving back. At Mocse, we actively engage in partnerships and outreach programs that benefit local organizations and initiatives. Whether it's sponsoring community events or supporting local charities, we are dedicated to making a positive impact in Modesto. As we continue moving forward, we invite you to join us on this journey. Discover the difference that a member-focused credit union can make in your life by becoming part of Mocse today! Experience the benefits of personalized service and community engagement by visiting us or reaching out at 209-572-3600. Together, let's build a brighter financial future!

Our Mission

Mocse's mission is simple yet powerful: to provide exceptional financial services while fostering community support. We believe that everyone deserves access to reliable banking options that meet their unique needs. From personal banking solutions like checking and savings accounts to loans for vehicles and homes, we strive to empower our members with the tools they need to achieve their financial goals. In addition to our core offerings, we are committed to enhancing digital accessibility. Our online and mobile banking platforms allow members to manage their finances anytime, anywhere. We also ensure compliance with ADA standards so that all members can utilize our services comfortably.

Branch Location & Accessibility

Accessibility and Parking

At Mocse, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can comfortably access our facilities. There's ample parking available, so you won't have to worry about finding a spot when you visit us.

Get in Touch

Ready to experience convenient banking? Give us a call at 209-572-3600 or drop by during our operating hours. The team at Mocse looks forward to serving you and helping with all your financial needs!

Operating Hours

Our friendly staff is here to assist you Monday through Thursday from 9 am to 5 pm and on Fridays until 6 pm. We want to make sure you have plenty of time to handle your banking needs throughout the week.

Services Offered

We offer a variety of services tailored just for you! From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got your financial needs covered. Plus, our online and mobile banking services make it easier than ever to manage your accounts anytime, anywhere. Don't forget about our ATM availability for quick cash withdrawals and balance checks.

Member Eligibility

At Mocse, we believe that becoming a member is like joining a caring family that supports your financial journey. If you're looking to enjoy our wide range of services and benefits, you'll be happy to know that eligibility is quite simple. Generally, if you live, work, or worship in the areas we serve, you can become a member! This includes individuals from various backgrounds and situations our doors are open to everyone. To learn more about the specific criteria and find out if you qualify, feel free to check out our detailed guidelines. Once you're ready to take the next step, opening an account with us is a breeze! Simply visit us at our branch located at 3600 Coffee Rd Modesto Ca 95355, or you can start the process online through this link: https://online.mocse.org/auth/enrollment. If you have any questions or need assistance along the way, don't hesitate to reach out at (209) 572-3600. We're excited to welcome you into our community!

Business Banking & Commercial Services

Financing Your Growth

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 empowers local entrepreneurs to hire more staff, upgrade equipment, or even open new locations. - With an outstanding commercial loan portfolio of $595,727, we continue to drive economic growth by financing new and expanding businesses.

Seamless Merchant Services

In addition to loans, our merchant services simplify daily operations. Imagine having a reliable partner that helps you process payments efficiently and manage cash flow seamlessly. From credit card processing to online payment solutions, we provide tools that allow you to focus on what you do best running your business. Located at 3600 Coffee Rd Modesto Ca 95355 in Modesto, CA, we're here to help your business thrive. Connect with us today at (209) 572-3600 to discover how our tailored solutions can make a difference for you!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we provide comprehensive Business Banking solutions. From Merchant Services that facilitate transactions seamlessly to various Business Loans that help fuel your company's growth, we're here to support local businesses in any way we can.

Convenient Access to Your Funds

Need cash? Our ATM & Cash Withdrawal Services ensure that accessing your money is quick and easy. With basic ATM access available for withdrawals and balance checks, you won't have to worry about being without funds when you need them most.

Join Us Today!

At Mocse, we pride ourselves on being more than just a credit union; we are a community partner committed to helping you achieve your financial goals. Our friendly staff is always ready to assist you with personalized service tailored just for you. To learn more about how we can help with all of your banking needs or if you're ready to open an account, don't hesitate to reach out! Call us at (209) 572-3600 or visit us at 3600 Coffee Rd Modesto Ca 95355 in Modesto today! Explore our services further by visiting our website at Coffee Road.

Personal Banking Made Simple

We understand that managing your finances can be overwhelming at times. That's why our personal banking services include Checking and Savings Accounts designed to fit your lifestyle. You can easily monitor your accounts through Online and Mobile Banking, giving you access to your finances anytime, anywhere. Imagine checking your balance while waiting for your coffee or making a transfer from the comfort of your home! In addition, if you're in need of financing for a new car or simply want to refinance an existing loan, our Auto Loans and Vehicle Financing options offer competitive rates to help get you on the road faster. And for those looking to buy a home or refinance their mortgage, our Mortgage Loans and Refinancing services provide flexibility and support throughout the process.

Support When You Need It Most

Sometimes life throws unexpected expenses your way. That's where our Personal Loans and Debt Consolidation options come into play, helping you manage those financial bumps with ease. Plus, we offer Credit Cards with Rewards, so every purchase can bring you closer to exciting rewards.

Digital & Online Banking

Key Features

One standout feature is our mobile application, which allows you to manage your accounts directly from your smartphone. With just a few taps, you can send money through person-to-person transfers, making it easy to split a bill or send a gift to a friend. Plus, if you're always on the move, our mobile payments feature lets you make purchases without carrying cash or cards just use your phone! We also provide e-statements for those who prefer going paperless. This feature not only helps the environment but also makes it easier for you to keep track of your finances. And if security is a concern, rest assured that we prioritize it; all transactions are protected with top-notch security measures. While we currently do not offer electronic signature authorization, our commitment to keeping your information safe remains strong. We're constantly working to enhance our services and provide you with the best possible experience. In short, whether you're checking balances or making payments, Mocse's digital banking tools put you in control of your financial life quickly and securely! Explore all these features today by visiting us at https://www.mocse.org/!

Financial Strength

At Mocse, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trusting your finances to us is a significant decision, and we want to assure you of our strong foundation. With a net worth of $39,592,401, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.64% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. With $27,845,757 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, 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. Our financial performance is further reflected in our $1,041,925, showcasing our operational efficiency. This enables 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 who are dedicated to serving you with expertise and commitment. The strength of our organization is also evident in the 52,998 we manage, illustrating a strong and growing member base that trusts us with their finances. 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 3600 Coffee Rd Modesto Ca 95355 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.*

Loan Offering

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. We provide flexible terms that cater to your budget and lifestyle. If you're considering refinancing your existing auto loan, talk to us about your options we're here to help you save more.

Business Loans

For business owners, our outstanding commercial loans totaling $595,727 provide the capital needed to grow and expand your business. We understand that every business has unique financing needs; therefore, we take pride in offering tailored solutions that align with your vision for success. At Mocse, we're committed to helping you achieve your financial aspirations through accessible lending solutions. If you're ready to explore your loan options or need assistance understanding our offerings, don't hesitate to reach out! You can contact us at (209) 572-3600, or visit us at our branch located at 3600 Coffee Rd Modesto Ca 95355 in Modesto, CA. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here for you let's make your financial goals a reality together!

Credit Lines and Unsecured Credit Card Loans

In addition to auto and mortgage loans, we also offer robust credit line options totaling $50,000,000. This gives you the flexibility to manage larger expenses without the stress of immediate repayment. For those who prefer a credit card option, our unsecured credit card loans amounting to $9,288,437 can be an excellent choice for managing daily purchases and emergencies alike.

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 strive to provide competitive rates and personalized service to help you navigate the home-buying process with confidence.

Loan Aggregator

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Ensuring Accurate Loan 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). This commitment ensures that all offers are fair and transparent, allowing users to trust the information they receive.

MOCSE FEDERAL CREDIT UNION - Modesto, CA

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