Credit union · NCUA insured
Modesto's First CD Rates
Modesto's First’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Modesto's First’s CD rates compare
Compared with banks and credit unions near Modesto, CA, where Modesto's First has the most branches. $10,000, best rate first.
This credit union’s best
Modesto's First
3.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $764
Share Certificates
Top rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Modesto's First CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Modesto's First ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.75%APY · 4 terms
Dividends paid quarterly on the last day of each quarter. Early withdrawal penalties apply (for qualifying period of one year or less, forfeit 90 days dividends on amount withdrawn; for more than one year, forfeit 180 days dividends).
| Term | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends paid quarterly | 3.00% | — | 3.00% | $149 |
| 12 monthsDividends paid quarterly | 3.25% | 3.75% | 3.25%3.75% from $50k | $325 |
| 24 monthsDividends paid quarterly | 3.75% | 3.75% | 3.75%3.75% from $50k | $764 |
| 36 monthsDividends paid quarterly | 3.50% | — | 3.50% | $1,087 |
Who can join Modesto's First
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.