Modesto's First Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.50%1-year CD12 Month Share Certificate
0.15%SavingsRegular Share Account
0.90%3-year CD36 Month Share Certificate

Overview / Commentary
209-521-2020
430 12th St
Modesto, CA 95354-2423

Modesto's First Federal Credit Union is headquartered in Modesto and is the 229th largest credit union in the state of California. It is also the 2,829th largest credit union in the nation. It was established in 1940 and as of June of 2018, it had grown to 6 employees and 2,532 members at 1 location. Modesto's First Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership to Modesto's First Federal Credit Union is open to employees of the city of Modesto, Lucent Technologies, Proctor and Gamble working in Stanislaus County, AT&T working in Stanislaus County, A. E. Kline DVM / College Veterinary Hospital, Liquid container L.P., Modesto Tractor, Fabricated Extrusion working in Modesto, European Automotive Specialties, Manteca Ambulance Service – Manteca & Sonora, City of Hughson, Four Star Recovery, Capital Auctions, Physicians, physician’s staff members of Stanislaus Medical Society in Modesto, and select other groups.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Modesto's First Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #4022
Year Chartered1940
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD5.48%
Annual Interest Income$475.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$32.3MM$31.7MM
LoansQ2 2018vs Q2 2017$15.4MM$14.0MM
DepositsQ2 2018vs Q2 2017$28.0MM$27.7MM
Equity CapitalQ2 2018vs Q2 2017$4.2MM$4.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$108.00K$133.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$44.00K$35.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$210.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Modesto's First Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$200*$1kYouth Shares
OTHER TIERS: 0.15% $1k+
0.15%$200-Regular Share Account
0.15%$200-Club Account
0.06%--IRA Share Account

Modesto's First Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$500-Share Draft Account

Modesto's First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$50k*-36 Month Share Certificate
OTHER TIERS: 0.70% $1k - $10k | 0.85% $10k - $50k
0.70%*$50k*-24 Month Share Certificate
OTHER TIERS: 0.50% $1k - $10k | 0.60% $10k - $50k
0.50%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.35% $1k - $10k | 0.45% $10k - $50k
0.30%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.20% $1k - $10k | 0.25% $10k - $50k
Locations


Modesto's First Federal Credit Union Locations
Branch Office430 12th StModesto, CA 95354-2423

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