Modesto's First Federal Credit Union


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

Modesto's First Federal Credit Union is headquartered in Modesto and is the 183rd largest credit union in the state of California. It is also the 2,297th largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 8 employees and 3,246 members at 1 location. Modesto's First Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Modesto's First Federal Credit Union is open to: 1) Those who live, work, worship, or attend school in Modesto City; 2) Employees of the City of Modesto, employees of AT&T who work in Modesto, Physicians and their staff members, and employees of the Stanislaus Medical Society in Modesto, employees and volunteers of Habitat for Humanity, and the Children's Crisis Center in Stanislaus County, employees of Four Star Recovery; 3) Immediate family of eligible persons in the aforementioned groups.
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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 relatively low asset base.

Health Grade Components

Overall
NCUA #4022
Year Chartered1940
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD7.74%
Annual Interest Income$769K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$58.7MM$53.6MM
LoansQ1 2025vs Q1 2024$44.4MM$40.4MM
DepositsQ1 2025vs Q1 2024$52.5MM$47.9MM
Equity CapitalQ1 2025vs Q1 2024$5.9MM$5.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$243K$166K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$355K$161K
Real Estate OwnedQ1 2025vs Q1 2024$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: 0.75% $1k+
0.75%$200-Regular Share Account
0.75%$200-Holiday Club Account
0.75%$5-Vacation Club Account
0.75%$5-Tax Account

Modesto's First Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Share Draft Account

Modesto's First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*$50k*-24 Month Share Certificate
OTHER TIERS: 4.00% $1k - $50k
4.00%*$50k*-12 Month Share Certificate
OTHER TIERS: 3.25% $1k - $50k
3.50%$1k-36 Month Share Certificate
3.00%$1k-6 Month Share Certificate
Locations


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

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