Modesto’s First Credit Union CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Modesto's First, your trusted partner in financial well-being since 1940! Located at 430 12Th St, Modesto, CA 95354, we take pride in serving our community with a strong commitment to member satisfaction. With a robust membership of 3,150 and total assets amounting to an impressive $55,630,060, we are here to support you on your financial journey. At Modesto's First, we offer a range of services designed to meet your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and credit cards that reward you for your loyalty. We understand the importance of accessible banking; that's why we provide convenient online and mobile banking options so you can manage your finances anytime, anywhere. While members can visit us at our branch location, official correspondence should be sent to the same address: 430 12th Street, Modesto, CA 95354. Our dedicated team of 8 employees, led by CEO Leslie Ramirez and Board President Cal Maniscalco, is always ready to assist you. You can reach us at 209-521-2020 during our lobby hours from Monday through Friday, 9:00 AM to 5:00 PM. We believe in making a positive impact within our community. That's reflected not only in our lending practices having facilitated over 1,942 loans but also in how we prioritize member service and community engagement. Join us at Modesto's First and experience the difference that personalized banking can make. Visit our website at m1fcu.org or give us a call today!

Branch History & Mission

Welcome to Modesto's First, where our journey began in 1940. Nestled in the heart of Modesto, California, at 430 12Th St, we have proudly served our community for over eight decades. Our founding vision was clear: to provide accessible financial services that empower individuals and families to achieve their dreams. Since then, we have grown into a trusted partner for more than 3,150 members, helping them navigate their financial journeys with confidence. As we evolved through the years, Modesto's First has embraced advancements in technology while maintaining our commitment to personalized service. Our total assets now stand at an impressive $55,630,060, reflecting our stability and dedication to serving our members' needs. Despite our growth, we remain deeply rooted in our mission: to enhance the financial well-being of our community through comprehensive banking solutions and unwavering support. Our operating hours are designed with your convenience in mind Monday through Friday from 9:00 AM to 5:00 PM ensuring that you can access the services you need when it matters most. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 430 12th Street, Modesto, CA 95354. At Modesto's First, we take pride in offering a wide range of services tailored to meet the diverse needs of our members. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we strive to provide solutions that fit your lifestyle. Additionally, our online and mobile banking services ensure that you can manage your finances anytime and anywhere. Community is at the core of what we do. We actively engage in outreach initiatives that support local organizations and foster economic growth within Modesto. By partnering with community leaders and participating in events throughout the year, we aim to uplift those around us while ensuring that financial education is accessible for all. We invite you to experience the benefits of being a part of Modesto's First. Join us today and discover how we can help you reach your financial goals together. Whether you're looking for a simple checking account or seeking assistance with a loan, we're here for you every step of the way. Contact us at 209-521-2020 or visit us online at Modesto's First to learn more about membership opportunities!

Branch Location & Accessibility

Accessibility Features

At Modesto's First, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and spacious walkways to accommodate everyone. Parking is available nearby, making it easy for you to pop in for your banking needs.

Operating Hours

We understand that life can get busy! That's why we're open Monday through Friday from 9:00 AM to 5:00 PM. Our friendly staff is ready to assist you during these hours, whether you're looking to open a new account or seek advice on loans.

Services Offered

As a member of Modesto's First, you have access to a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are here to support your financial journey. While we currently do not offer ATM services or drive-thru banking, our dedicated team is always available to help inside the branch. If you have any questions or need assistance before your visit, don't hesitate to give us a call at 209-521-2020. We're here for you! We invite you to come by and experience firsthand how we can help make your banking experience smoother and more enjoyable.

Member Eligibility

At Modesto's First, we believe that becoming a member means joining a caring community where your financial needs are prioritized. If you're looking to enjoy personalized banking services and exclusive member benefits, you'll be pleased to know that eligibility is quite straightforward! You can become a member if you live, work, worship, or attend school in Stanislaus County, or if you have a family member who is already part of our credit union family. This welcoming approach makes it easy for you to access the resources and support you need to thrive financially. Ready to get started? Opening an account with us is simple and convenient. For more details about eligibility requirements and the application process, feel free to visit our membership application page. If you have any questions or need assistance, don't hesitate to reach out at 209-521-2020. Our friendly team at Modesto's First, located at 430 12Th St, Modesto, CA 95354, is here to help you every step of the way!

Business Banking & Commercial Services

Lending Solutions for Every Need

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have member or non-member commercial loans available, our goal is to provide flexible financing solutions when the time comes. Imagine needing funds to purchase new equipment or expand your operations. With the right loan, you can achieve those goals without straining your cash flow. Our team is here to help guide you through the process when you're ready.

Merchant Services That Make Transactions Easy

In today's fast-paced environment, having reliable merchant services is crucial. We offer tools that simplify payment processing, allowing you to focus more on running your business and less on managing transactions. From credit card processing to online payment solutions, we ensure that your customers have a smooth experience every time they shop with you. If you're located in Modesto, CA, stop by our branch at 430 12Th St Modesto Ca 95354 or give us a call at 209-521-2020. Our dedicated team is ready to help you take your business to the next level!

Comprehensive List Of Services

Accessibility & Convenience

At Modesto's First, we prioritize ease of access to all these services. With features like ATM withdrawals, even though we don't have ATMs on-site currently, our online banking tools allow for person-to-person payments seamlessly. You can manage everything from bill payments to loan applications right from your phone or computer. As part of our commitment to serving our members effectively, we're always here for any questions or assistance you may need. Call us at 209-521-2020 or visit us during lobby hours from Monday through Friday between 9:00 AM and 5:00 PM. Explore all that Modesto's First has to offer by visiting us at our website today! We're excited to be part of your financial journey!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options are structured to fit your budget. We provide competitive rates and flexible terms so you can drive away in the car of your dreams without breaking the bank.

Business Banking

For our business members, we provide tailored solutions including merchant services and business loans. Running a business requires reliable financial support; that's why we're committed to helping local businesses thrive with personalized banking solutions.

Credit Cards with Rewards

Make every purchase count with our credit cards that offer rewards. Enjoy cash back or points on purchases while building credit at the same time!

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and we're here to help you achieve it with our mortgage loans. If you're already a homeowner looking to reduce payments or tap into equity, our refinancing options can provide the relief you need.

Personal Banking

We understand that managing your personal finances can be challenging. That's why we offer checking and savings accounts designed to help you reach your financial goals. Our accounts come with features that make it easy to track your spending and save for the future. With our online and mobile banking services, you can access your accounts anytime, anywhere, making banking more convenient than ever.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans are available for various needs, whether it's for home improvements or emergency expenses. Additionally, if you're dealing with multiple debts, consider our debt consolidation services which can simplify your payments and potentially lower interest rates.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.m1fcu.org/, you can check balances, transfer funds, and pay bills anytime, anywhere. This means no more rushing to the bank before closing time; your finances are always within reach.

Mobile Banking Made Easy

Our mobile application is another great way to manage your money. Not only can you access all the features of online banking, but you can also make person-to-person transfers with ease, allowing you to send money to friends or family without any hassle. Plus, if you're someone who loves using mobile payments, you'll be pleased to know that this feature is fully supported as well!

Secure and Accessible Features

When it comes to security, we've got you covered. While we currently do not offer electronic signature authorization, you can rest easy knowing that your information is protected through our secure online banking platform. Additionally, for those who prefer less paper clutter, we provide e-statements so you can view your account statements digitally another step toward a more organized financial life. In summary, whether you're at home or out and about, Modesto's First makes it easy to stay connected with your finances through our comprehensive digital banking services. Experience banking the way it should be convenient, secure, and always at your fingertips!

Financial Strength

At Modesto's First, 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 are committed to providing a secure banking experience that supports your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $5,648,959, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.15% 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 $18,562,846 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $5,648,959 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $12,982 in used auto loans and a total of $41,228,904 in loans and leases available for various needs. Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 5,270, showcasing a strong and growing member base that trusts us with their finances. This trust is crucial as we build long-term relationships with each member who walks through our doors. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Modesto's First is your trusted partner. Visit us at 430 12Th St Modesto Ca 95354 or call 209-521-2020 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $13,153,826 in used vehicle loans and $5,265,637 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to meet your needs, so you can drive off with confidence.

Credit Lines

Our total credit lines amount to $7,000,000, providing additional financial flexibility when you need it most. If you're considering refinancing options or looking for eligibility details on any of our loan products, feel free to reach out. You can contact us at 209-521-2020 or visit us at 430 12Th St Modesto Ca 95354. For more information about our services and how we can assist you further, visit our website at Modesto's First. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,607,899, make buying or refinancing simple. We aim to make the process straightforward and accessible for all members.

Unsecured Credit Card Loans

Managing daily expenses can be easier with our unsecured credit card loans. We offer flexible terms with a total of $1,115,664 in loans helping members manage their finances effectively.

Loan Aggregator

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Modestos First