Credit union · NCUA insured
Modesto's First Savings Rates
Modesto's First’s best savings rate is 0.75% APY on $10,000, with its Regular Share. Rates checked October 16, 2026.
How Modesto's First’s savings 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
0.75%APY
- Minimum
- $5
- Earns on $10,000 a year
- $75
Regular Share
Top rate
Citi
3.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
Self-Help Federal Credit Union
2.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $212
Modesto's First savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share
0.75%APY
Requires membership with the credit union ($5 initial deposit / minimum balance requirement).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upDividends paid quarterly. $200 minimum balance to earn dividends.$200 and up | 0.75% | $75 | Dividends paid quarterly. $200 minimum balance to earn dividends. |
Special-purpose accounts
Custodial Account
2.02%APY
For children ages 0-18. Only the custodian (parent or legal guardian) can make withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $1,000Dividends paid quarterly on balances from $200 to $1,000. Balances over $1,000 earn the standard dividend rate.$200 – $1,000 | 2.02% | — | Dividends paid quarterly on balances from $200 to $1,000. Balances over $1,000 earn the standard dividend rate. |
Minor Account
2.02%APY
Savings account for children ages 0-12.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $1,000Dividends paid quarterly on balances from $200 to $1,000. Balances over $1,000 earn the standard dividend rate.$200 – $1,000 | 2.02% | — | Dividends paid quarterly on balances from $200 to $1,000. Balances over $1,000 earn the standard dividend rate. |
Youth Account
2.02%APY
Savings account designed for teens ages 13-17 (or 13-18). Includes free Checking Account and debit card with parental controls, plus free digital banking access. Balances over $1,000 earn standard dividend rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $1,000Dividends paid quarterly and 2.02% APY on balances from $200 to $1,000; balances over $1,000 earn standard dividend rate.$200 – $1,000 | 2.02% | — | Dividends paid quarterly and 2.02% APY on balances from $200 to $1,000; balances over $1,000 earn standard dividend rate. |
Youth Shares
0.75%APY
For members under the age of 18. The premium dividend rate applies to the first $1,000 on deposit; funds in excess of $1,000 earn the Regular Share rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $1,000Dividends paid quarterly. Premium rate applies to balances from $200 up to $1,000. | 2.02% | — | Dividends paid quarterly. Premium rate applies to balances from $200 up to $1,000. |
| $1,000 and upBalances in excess of $1,000 earn the Regular Share rate (0.75% APY / 0.75% dividend rate). | 0.75% | $75 | Balances in excess of $1,000 earn the Regular Share rate (0.75% APY / 0.75% dividend rate). |
Sources (1)
- m1fcu.org/savings-rates · captured Oct 16, 2026
Club Accounts
0.75%APY
Budgeting account for holiday expenses. On November 1, funds are disbursed by check or transferred to M1FCU Savings or Checking. Early withdrawal fee is $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upDividends paid quarterly on average daily balance. $200 minimum balance to earn dividends.$200 and up | 0.75% | $75 | Dividends paid quarterly on average daily balance. $200 minimum balance to earn dividends. |
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.