Mocse Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.mocse.org

209-572-3600

3600 Coffee Rd
Modesto, CA 95355

Mocse Federal Credit Union is headquartered in Modesto and is the 93^rd largest credit union in the state of California. It is also the 814^th largest credit union in the nation. It was established in 1959 and as of March of 2025, it had grown to 72 employees and 29,033 members at 3 locations. Mocse Federal Credit Union's CD rates are 3X the national average, and it has a B+ 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

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	12805
Year Chartered	1959
Employees	72
Primary Regulator

Profit Margin
Return on Assets - YTD	1.04%
Return on Equity - YTD	18.94%
Annual Interest Income	$4.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$434.4MM$420.3MM
Loans	Q1 2025vs Q1 2024	$216.7MM$225.7MM
Deposits	Q1 2025vs Q1 2024	$407.3MM$394.2MM
Equity Capital	Q1 2025vs Q1 2024	$23.2MM$16MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.6MM$4.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.7MM$2.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Mocse Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Mocse Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
6.18%^†	$0	-	Member Reward Savings

Mocse Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%^*^†	$10k^*	-	Business Money Market
OTHER TIERS: 3.15% → $2.5k - $10k
0.06%^*^†	$25k^*	-	Share Money Market Account
OTHER TIERS: 0.03% → $2.5k - $10k \| 0.04% → $10k - $25k

Mocse Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.79%^†	$50k	-	30 Day Super CD
2.53%^†	$1k	-	1 Year CD
2.02%^†	$1k	-	6 Month CD
1.00%^†	$1k	-	3 Month CD

Mocse Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.06%^*^†	$25k^*	-	IRA Share Account
OTHER TIERS: 0.02% → $100 - $2.5k \| 0.03% → $2.5k - $10k \| 0.04% → $10k - $25k

Locations

Mocse Federal Credit Union Locations
Branch Office	1401 Geer Rd	Turlock, CA 95380-3206
Branch Office	1400 J St	Modesto, CA 95354-1013
Branch Office	3600 Coffee Rd	Modesto, CA 95355-1163

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