Modesto's First Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.28%	1-year CD	12 Month Share Certificate 1.40% - Synchrony Bank 12 Month CD
0.05%	Savings	Regular Share Account 1.20% - Synchrony Bank High Yield Savings
0.65%	3-year CD	36 Month Share Certificate 1.85% - Synchrony Bank 36 Month CD

View all Modesto's First Federal Credit Union rates »

Overview / Commentary

m1fcu.org

888-945-2020

430 12th St
Modesto, CA 95354-2423

Modesto's First Federal Credit Union is headquartered in Modesto and is the 232^nd largest credit union in the state of California. It is also the 2,861^st largest credit union in the nation. It was established in 1940 and as of March of 2017, it had grown to 6 employees and 2,554 members at 1 location. Modesto's First Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership 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+

Data as of Q1 2017

Learn why bank health matters

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 Chartered	1940
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.08%
Return on Equity - YTD	0.61%
Annual Interest Income	$184.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$31.9MM$30.2MM
Loans	Q1 2017vs Q1 2016	$9.1MM$8.3MM
Deposits	Q1 2017vs Q1 2016	$27.9MM$26.1MM
Equity Capital	Q1 2017vs Q1 2016	$3.9MM$4.0MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$120.00K$106.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$5.00K$67.00K
Real Estate Owned	Q1 2017vs Q1 2016	$210.00K$210.00K

Rates

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Checking
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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

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	-	$1k	Youth Shares
OTHER TIERS: 0.05% → $1k+
0.06%	-	-	IRA Share Account
0.05%	$200	-	Regular Share Account
0.05%	$200	-	Club Account

Modesto's First Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$200	-	Share Draft Account

Modesto's First Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$50k^*	-	36 Month Share Certificate
OTHER TIERS: 0.40% → $1k - $10k \| 0.50% → $10k - $50k
0.40%^*	$50k^*	-	24 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $50k
0.28%^*	$50k^*	-	12 Month Share Certificate
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $50k
0.20%^*	$50k^*	-	6 Month Share Certificate
OTHER TIERS: 0.10% → $1k - $10k \| 0.14% → $10k - $50k

Locations

Modesto's First Federal Credit Union Locations
Branch Office	430 12th St	Modesto, CA 95354-2423