Modesto's First Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
0.90%1-year CD
0.20%Savings
1.59%3-year CD
View all Modesto's First Federal Credit Union rates »

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 227th largest credit union in the state of California. It is also the 2,846th largest credit union in the nation. It was established in 1940 and as of December of 2018, it had grown to 7 employees and 2,474 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
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
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD5.74%
Annual Interest Income$984.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$30.8MM$31.1MM
LoansQ4 2018vs Q4 2017$15.3MM$15.4MM
DepositsQ4 2018vs Q4 2017$26.3MM$26.5MM
Equity CapitalQ4 2018vs Q4 2017$4.4MM$4.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$110.00K$117.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$101.00K$41.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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: 0.20% $1k+
0.20%$200-Regular Share Account
0.20%--IRA Share Account
0.20%$200-Club Account

Modesto's First Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$500-Share Draft Account

Modesto's First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.59%*$50k*-36 Month Share Certificate
OTHER TIERS: 0.85% $1k - $10k | 1.49% $10k - $50k
1.34%*$50k*-24 Month Share Certificate
OTHER TIERS: 0.75% $1k - $10k | 1.24% $10k - $50k
0.90%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.65% $1k - $10k | 0.80% $10k - $50k
0.70%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.60% $1k - $10k | 0.65% $10k - $50k
Locations


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

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