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Overview / Commentary
3600 Coffee Rd
Modesto, CA 95355-1163

Mocse Federal Credit Union is headquartered in Modesto and is the 100th largest credit union in the state of California. It is also the 806th largest credit union in the nation. It was established in 1959 and as of December of 2017, it had grown to 73 employees and 33,560 members at 4 locations. Mocse Federal Credit Union has an A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Stanislaus, Mariposa, Merced or Tuolumne Counties in California. Also open to employees of several other Institutions and companies.
See current membership details

Reviews (1)

Convenient Location and Easy Service

I have been with MOCSE for almost 14 years. The bank is one that is small in size, I believe they have four locations. I love that they offer various services in each of their branches and they are involved in the community. They are also proponents of education in this area and have a bank location adjacent to a high school where there are students who are the employees who help to run the bank, gaining valuable experience and providing a service to members of a smaller community in this area.
In general the fees are reasonable and I appreciate that I am able to see my kids account information when I log into my personal account.


Health Grade Components

NCUA #12805
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD8.83%
Annual Interest Income$8.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$288.0MM$271.2MM
LoansQ4 2017vs Q4 2016$139.9MM$110.4MM
DepositsQ4 2017vs Q4 2016$263.8MM$248.2MM
Equity CapitalQ4 2017vs Q4 2016$21.8MM$21.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.2MM$792.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$548.00K$462.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mocse Federal Credit Union Savings Account Rates

0.06%*$25k*-IRA Share Account
OTHER TIERS: 0.02% $100 - $2,500 | 0.03% $2,500 - $10k | 0.04% $10k - $25k

Mocse Federal Credit Union Money Market Rates

0.06%*$25k*-Share Money Market Account
OTHER TIERS: 0.03% $2,500 - $10k | 0.04% $10k - $25k

Mocse Federal Credit Union Locations
Branch Office430 N Washington StSonora, CA 95370
Branch Office1401 Geer RdTurlock, CA 95380-3206
Branch Office1400 J StModesto, CA 95354-1013
Branch Office3600 Coffee RdModesto, CA 95355-1163