Modesto's First Federal Credit Union

Modesto's First Federal Credit Union Modesto's First is a not-for-profit financial institution and one of the most stable in the county! We offer higher dividends on accounts and lower loan rates.

At Modesto's First Federal Credit Union, our members come first. Become a member if you live, work, attend school, or worship within the Modesto city limits. Employees of the City of Modesto and AT&T, physicians, physician’s staff members of Stanislaus Medical Society in Modesto, employees of Stanislaus Medical Society, employees and volunteers of Habitat for Humanity, and Stanislaus County, emplo

yees and volunteers of the Children’s Crisis Center, Stanislaus County, employees of Four Star Recovery, and Immediate family members of any person eligible can become a member of Modesto's First FCU.

Summer break is full of adventures! ☀️With more 🍦 ice cream stops, 🍿 movie tickets, 🎮 arcade games, and 🍕 pool day snack...
06/16/2026

Summer break is full of adventures! ☀️

With more 🍦 ice cream stops, 🍿 movie tickets, 🎮 arcade games, and 🍕 pool day snacks, summer is packed with fun opportunities for kids to learn how money works in real life.

🌟 And a Modesto’s First FCU Youth Account is the perfect sidekick for all those summertime lessons!

With a free Checking Account and debit card, with maximum card controls set by a responsible adult, and free access to M1FCU Digital Banking, your teen can start learning the value of budgeting, tracking money, and building healthy financial habits early on.

Plus, they start earning a stellar 2.02% APY** once the balance reaches $200! 🚀

Get your teen started on their financial success journey! 💙

👉 **Learn more: https://bit.ly/3v7SoiE




At M1FCU, we love bringing you great rates—but did you know your membership also unlocks summer thrills? 🎡🍿Through our p...
06/12/2026

At M1FCU, we love bringing you great rates—but did you know your membership also unlocks summer thrills? 🎡🍿

Through our partnership with TicketsAtWork, your M1FCU membership hooks you up with deeply discounted tickets to top theme parks!

🏰 Disneyland® Resort
🎢 California's Great America
🔹 LEGOLAND® California
🎬 Universal Studios Hollywood™

Grab your exclusive member discounts today: https://bit.ly/3v54jOa




Happy 7-Year Anniversary, Heather! 💙🤩Today, we’re celebrating seven wonderful years with Heather as part of the M1FCU fa...
06/11/2026

Happy 7-Year Anniversary, Heather! 💙🤩

Today, we’re celebrating seven wonderful years with Heather as part of the M1FCU family!

Over the years, Heather has made a positive impact through her dedication, friendly spirit, and genuine care for our members and team. Her willingness to help others and commitment to making a difference are just a few of the many reasons we’re so grateful to have her with us.

Heather, thank you for everything you’ve contributed over the past seven years. We appreciate all that you do and feel lucky to have you on our team! ✨

👇 Join us in celebrating Heather by sharing your congratulations and favorite memories in the comments!




We know it’s only June… but your future holiday-shopping self will be very thankful you started now! 🎄✨Imagine wrapping ...
06/10/2026

We know it’s only June… but your future holiday-shopping self will be very thankful you started now! 🎄✨

Imagine wrapping your gifts this November knowing every single dollar was already budgeted and paid for.

🎁 Our Holiday Club Account makes it incredibly easy!

Save a little at a time through Payroll Deduction or easy mobile transfers, and watch it grow with quarterly dividends! When November 1 comes around, your funds automatically transfer to your Checking or Savings Account or arrive via check, so you can enjoy a fully funded holiday season!

Start today and set aside just $75 biweekly, and by the time funds are released, you'll have over $750 tucked away! 🤩

Open your Holiday Club Account today: https://www.m1fcu.org/savings-accounts




Summer moves fast, but an M1FCU Lightning Loan moves faster! ⚡☀️Need to snag last-minute concert tickets or book an impr...
06/09/2026

Summer moves fast, but an M1FCU Lightning Loan moves faster! ⚡☀️

Need to snag last-minute concert tickets or book an impromptu weekend beach trip? Or maybe you need to deal with an unexpected blinking AC unit, or a sudden car repair...

When you need cash in a flash, our Lightning Loan is here to save the day!

It’s a quick, stress-free, small-dollar solution designed for our established members.

💵 Borrow anywhere from $200 to $2,000
📊 No credit check required
📱 Easy, 100% online application that takes under 5 minutes!
⏱️ Funds deposited into your account in 60 seconds or less
🗓️ Flexible automatic payment options available

Don't let an unexpected expense or a flash opportunity derail your summer fun!

Log in to Online Banking and tap "Apply for a Lightning Loan" to get started: https://bit.ly/3SPn9aD




Is it just us, or is the Modesto summer already bringing the heat? 🌡️😎 Don’t sweat it! You don't have to break the bank...
06/08/2026

Is it just us, or is the Modesto summer already bringing the heat? 🌡️😎

Don’t sweat it! You don't have to break the bank just to stay cool.

Here are a few budget-friendly ways to beat the Central Valley's sizzle this season:

🌳 Dry Creek Trail: Pack your cold hydro-flasks and find some shade under the canopy at Thousand Oaks Park before the afternoon peak

🍦 Local Treats: Grab a refreshing agua fresca at Modesto Grub Hubs, or cool down with a scoop from a local favorite like Velvet Grill & Creamery on McHenry

💦 Graceada Park Splash Pad: Take the kids to the splash pad for free, instant relief from that 209 sizzle

📚 Modesto Express Library: Beat the triple digits entirely with free AC, a quiet workspace, or a great summer read at 1002 10th St.

What’s your go-to trick for staying cool around town when June gets roasting? Let us know in the comments below! 👇




Between running the AC and planning those weekend trips, summer expenses can stack up fast! ☀️💸Instead of stressing over...
06/05/2026

Between running the AC and planning those weekend trips, summer expenses can stack up fast! ☀️💸

Instead of stressing over a rigid budget, try the flexible 50/30/20 Blueprint to keep your finances perfectly balanced:

🏠 50% for Essentials: Covers must-haves like housing, groceries, and seasonal utility spikes

🍹 30% for Lifestyle: Your summer fun fund for BBQs, road trips, or local staycations

💰 20% for the Savings: Pay yourself first to keep your finances strong long after summer fades

Want an easy way to organize your "fun fund" separately? Give your summer savings a dedicated home with our Special Share Account!

Build your summer budget here: https://bit.ly/2OgLYgx




Hitting the road for a summer adventure? 🛻☀️Whether you’re booking a hotel on the PCH, dining in downtown Modesto, or fi...
06/04/2026

Hitting the road for a summer adventure? 🛻☀️

Whether you’re booking a hotel on the PCH, dining in downtown Modesto, or filling up for a mountain road trip, bring the M1FCU Visa® Credit Card along for the ride!

Enjoy premium features for stress-free travel:

🌟 No annual or cash advance fees
💳 Verified by Visa® & zero-purchase liability
🛡️ $150,000 travel accident insurance
📍 Emergency card replacement wherever you are

Apply online and swipe smarter all summer long: https://bit.ly/38Hdb3A




⚾️ We’re excited to introduce the M1FCU Community Corner!Through our partnership with the Modesto Roadsters, local group...
06/03/2026

⚾️ We’re excited to introduce the M1FCU Community Corner!

Through our partnership with the Modesto Roadsters, local groups and organizations may request up to 25 free tickets to attend a Roadsters home game, subject to availability.

This opportunity is designed for local nonprofits, schools, youth groups, senior groups, community programs, and organizations that help make Modesto a stronger, more connected community.

Interested in bringing your group to a game? Learn more and submit an inquiry here:
www.m1fcu.org/baseball

California summer is in full bloom! ☀️😎From coastal escapes to canyon adventures, make memories without the financial st...
06/02/2026

California summer is in full bloom! ☀️😎

From coastal escapes to canyon adventures, make memories without the financial stress!

An M1FCU Vacation Loan keeps your summer getaways completely predictable with fixed rates and repayment plans. No high-interest credit card surprises here! ✈️🌴

🏜️ Rates as low as 6.75% APR*
🏜️ Loan amounts from $1,000 to $5,000
🏜️ Terms from 12 to 24 months

*Start planning your summer trip today: https://bit.ly/35Hmv5x




Address

430 12th Street
Modesto, CA
95354

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12095212020

Website

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