Modesto’s First Credit Union | Rewards Cards & Business Banking

Introduction

Welcome to Modesto's First, a trusted financial institution established in 1940, dedicated to empowering our community through exceptional banking services. Under the leadership of CEO Leslie Ramirez and Board President Cal Maniscalco, we are committed to providing our members with personalized financial solutions that foster growth and stability. Located in the heart of Modesto, CA, we pride ourselves on being a cornerstone of financial support for our members, including military personnel and their families. Our institution is federally insured by the NCUA since January 4, 1971, ensuring your deposits are safe and secure.

At Modesto's First, we embrace modern technology to enhance your banking experience. With robust online banking options, a user-friendly mobile application, person-to-person transfer capabilities, e-statements, and mobile payment solutions, managing your finances has never been easier. We believe in making banking accessible while prioritizing member satisfaction and community service. For more information about our services or to get started with your membership today, visit us at https://www.m1fcu.org/ or contact us via fax at 2095214570. Join us in building a brighter financial future together!

Financial Services

At Modesto's First, we are dedicated to providing a comprehensive suite of financial services designed to meet the diverse needs of our members. Our offerings include personal banking solutions like checking and savings accounts, auto loans and vehicle financing, and mortgage loans with refinancing options. We also cater to small businesses by offering merchant services and business loans, ensuring that entrepreneurs have the support they need to grow. With our credit cards featuring rewards programs, you can enjoy benefits while managing your finances efficiently. Our commitment to convenience is highlighted through our online banking and mobile application, which allow you to manage your accounts anytime, anywhere. Features such as person-to-person transfers and mobile payments make it easier than ever to handle everyday transactions, while e-statements provide a quick way to keep track of your financial activities.

We understand that planning for life milestones or running a small business can be challenging; that's why we strive to offer tools that simplify these processes. Whether you are saving for a new home or looking for ways to consolidate debt, our knowledgeable team is here to help guide you through every step. Membership is accessible for those who meet certain eligibility criteria, which you can find at https://www.m1fcu.org/membership-application. Additionally, if you're in the market for a loan, our partnership with lending resources allows you to compare rates easily at https://www.lendmesh.com/loans/mortgage_loans. Should you have any questions or require personalized assistance, feel free to reach out via fax at (209) 521-4570; we're always here for our members!

Financial Highlights

Modestos-First is more than just a financial institution; it is a trusted partner committed to enhancing the financial well-being of its members. With a robust Total Membership of 3,150, our credit union thrives on fostering strong relationships within the community. Our impressive Total Assets of 55,630,060 reflect our stability and dedication to sound financial practices, ensuring that your funds are in safe hands.

As we continue to grow, our Net Worth stands at 5,648,959, underscoring our solid foundation and commitment to sustainability. Even during challenging times, we remain resilient, evidenced by our consistent Net Income of 0. This financial strength enables us to offer competitive rates on loans while maintaining a focus on member satisfaction.

Our members trust us not only for our services but also for our transparency. With Total Deposits reaching 1,690,816 and Total Loans and Leases amounting to 1,942, we empower individuals and families to achieve their financial goals, whether through homeownership or personal financing. Our dedicated team of just Total Employees 8 works tirelessly to provide personalized service, making every interaction meaningful.

The strength of Modestos-First is illustrated by our impressive Net Worth Ratio of 1,015, which positions us favorably among peers in the industry. Additionally, we offer diverse lending options with a notable Credit Card Loan Volume of 326 and an extensive Auto Loan Volume of 1,298, helping our members navigate their financial journeys with confidence.

We pride ourselves on being a reliable resource for all your banking needs, with no reliance on external funding as demonstrated by our zero Total Borrowings. At Modestos-First, we understand that every member's financial situation is unique, and we're here to provide solutions tailored specifically for you.

Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Compare real-time loan offers today at https://www.lendmesh.com/loans/mortgage_loans and find the best rates for your needs.

Modestos First CU

Introduction

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Financial Highlights

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