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.

⚾️ 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




As part of our continued commitment to transparency and growth, we had the pleasure of gathering with our members, leade...
06/01/2026

As part of our continued commitment to transparency and growth, we had the pleasure of gathering with our members, leadership, and team for our Annual Meeting—a time to reflect, celebrate, and look ahead together.

This past year was especially meaningful as we celebrated 85 years of serving our community. Every milestone we reach is because of the trust and support of our members, and we’re grateful to continue growing alongside you.

Here are just a few highlights from 2025:
• Named the Modesto Bee’s Gold Winner for Best Credit Union
• More than $16,000 reinvested into local programs
• $8,500 in giveaways to our members throughout the year
• Achieved CDFI certification, expanding opportunities for our community

During the meeting, we also had the privilege of hearing from our members, recognizing outstanding achievements, and awarding our Ken Bauman Scholarship—moments that truly reflect the heart of who we are.

We’re proud to remain strong, secure, and committed to providing quality service to our members—today and for years to come.

Thank you to everyone who joined us and continues to be part of the Modesto’s First family.

The ultimate companion for your Modesto summer! 💳☀️With the M1FCU Visa® Platinum Credit Card, you’ve got a simple, relia...
05/29/2026

The ultimate companion for your Modesto summer! 💳☀️

With the M1FCU Visa® Platinum Credit Card, you’ve got a simple, reliable way to cover your summer spending—without piling on extra fees.

🌴 No annual fee or cash advance fee
☀️ 25-day grace period on purchases
📲 Easy online access & e-Statements
🌎 Travel protections when you’re on the go

Whether you’re staying local or heading out on an adventure, carry the card that puts you first. 🌟

Apply online today or stop by the office to pick up an application: https://bit.ly/35Hmv5x




Ready for takeoff? ☀️🍹If you’re dreaming of a summer getaway but want to avoid the trap of high-interest credit card deb...
05/27/2026

Ready for takeoff? ☀️🍹

If you’re dreaming of a summer getaway but want to avoid the trap of high-interest credit card debt, an M1FCU Vacation Loan is your boarding pass to a smarter trip.

Unlike lingering credit card balances, our Vacation Loans offer:

📍 Predictable terms from 12 to 24 months
📍 Fixed rates as low as 6.75% APR*
📍 Amounts from $1,000 to $5,000

Know exactly when your trip will be paid off before you even pack your bags! Enjoy the peace of mind that comes with local support and a clear financial plan. 😎

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




Today, we pause to honor and remember the brave men and women who gave everything in service to our country. 🇺🇸 🕊️In obs...
05/25/2026

Today, we pause to honor and remember the brave men and women who gave everything in service to our country. 🇺🇸 🕊️

In observance of Memorial Day, M1FCU is closed today. We will resume normal business hours tomorrow.

You can still manage your accounts via our Mobile App and Online Banking, and our virtual assistant Emma is available to help with your questions 24/7. 📱💻

Wishing you a peaceful and meaningful holiday.




Summer in the Valley is unbeatable, but between fairs, BBQ prep, and road trips, your wallet can start to feel the heat!...
05/22/2026

Summer in the Valley is unbeatable, but between fairs, BBQ prep, and road trips, your wallet can start to feel the heat! 💰☀️

Keep your budget cool with these 4 tips:

🎯 The "Summer Fun" Sinking Fund: Set aside a small weekly amount now specifically for those extra ice cream runs and day trips. When the money is there, the fun is stress-free!

🌳 The Subscription Audit: Spending more time at the park or the lake? Pause those streaming services you aren't watching and save those monthly fees!

🎨 Go Local & Free: Modesto is full of gems! Check out the Downtown Farmers Market, explore the trails at Dry Creek, or enjoy a sunset at a local park without spending a dime.

📲 Pro Tip: Keep an eye on your goals in real-time with the M1FCU Mobile App!

A little planning now helps you enjoy the season without the "post-summer" budget blues! 🤩




Windows down, radio up, and a perfect ride for the California summer! 🛻☀️Whether you’re eyeing a new SUV for family trip...
05/21/2026

Windows down, radio up, and a perfect ride for the California summer! 🛻☀️

Whether you’re eyeing a new SUV for family trips to the coast or a trusted sedan for daily commutes, M1FCU is here to help you drive away loving your loan as much as your new car. 💰

Why choose an M1FCU Auto Loan?

✅ Rates as low as 5.00% APR*
✅ Up to 100% financing available
✅ Flexible terms to fit your life
✅ No hidden charges or dealership mark-ups

Get pre-approved with M1FCU and focus on finding the ride that feels just right! 😎

Start here: https://bit.ly/35Hmv5x




Tonight’s the night, Modesto! 🌟Our Annual Meeting kicks off at 5:30 p.m., right here in the M1FCU lobby. 📍 430 12th Stre...
05/19/2026

Tonight’s the night, Modesto! 🌟

Our Annual Meeting kicks off at 5:30 p.m., right here in the M1FCU lobby.

📍 430 12th Street
⏰ 5:30 p.m.

We’ve got the food ready, the prizes waiting, and plenty to share about our 2025 achievements and what the future holds for our credit union.

We’ll see you soon! 🤝✨




Planning a getaway outside the 209? ☀️🏖️No matter where you are—at the beach, at the airport, or just up late—Emma, our ...
05/15/2026

Planning a getaway outside the 209? ☀️🏖️

No matter where you are—at the beach, at the airport, or just up late—Emma, our virtual assistant, is available 24/7 to help with quick questions.

🌙 Need to check your balance at midnight?
🤔 Have a loan question before your flight?
🏜️ Looking for an online tool while you’re sightseeing?

Emma has the answers, so you don’t have to wait for business hours to get things done. Think of her as your trusted M1FCU guide, always within reach when you need support.

📲 Chat with Emma today: https://bit.ly/3MH5FfR




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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