Credit union · NCUA insured
Modesto's First
A $72.2M credit union headquartered in Modesto, CA, with 3,477 members and 1 branch in California. Best rates: CDs 3.75% and savings 0.75% APY.
Modesto's First Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#5 of 16 in Modesto, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Modesto's First
Modesto's First Federal Credit Union is headquartered in Modesto, California.
- Headquarters
- 430 12th St, Modesto, CA 95354-2423
- NCUA charter
- 4022
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live within the Modesto city limits are eligible for membership.
- Individuals who attend school within the Modesto city limits are eligible for membership.
- Individuals who work within the Modesto city limits are eligible for membership.
- Individuals who worship within the Modesto city limits are eligible for membership.
Employers and groups
- Employees of AT&T who work in Modesto are eligible for membership.
- Employees and volunteers of the Children’s Crisis Center, Stanislaus County are eligible for membership.
10 more ways to join
Employers and groups
- Employees of Four Star Recovery are eligible for membership.
- Members of Conquer 24-Hour Gym are eligible for membership.
- Employees and volunteers of Habitat for Humanity, Stanislaus County are eligible for membership.
- Physicians, staff members of Stanislaus Medical Society in Modesto, and employees of Stanislaus Medical Society are eligible for membership.
- Members of The Modesto USBC Organization are eligible for membership.
Military, government and schools
- Employees of the City of Modesto are eligible for membership.
- Employees of Modesto Irrigation District are eligible for membership.
- Employees of Stanislaus Consolidated Fire Department are eligible for membership.
- Employees of the Turlock Fire Department are eligible for membership.
Family and household
- Immediate family members of any existing member are eligible for membership.
Cost to join
- A deposit of $5 or more must be applied as an initial opening deposit to join.
Branches
1 branch in California
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California
1 branch
- Main OfficeMain office430 12th St, Modesto, CA 95354Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.83% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.99% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.92% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $82 | $59 | — |
- CapitalNet worth ratio8.83%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.99%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$82Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Modesto's First are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.