Modesto's First Federal Credit Union

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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, employees 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.

Wellness starts here! 🧘‍♀️✨Next week is Member Appreciation Week at M1FCU! 💙Taking care of yourself isn't just about mov...
10/16/2026

Wellness starts here! 🧘‍♀️✨

Next week is Member Appreciation Week at M1FCU! 💙

Taking care of yourself isn't just about movement and mindfulness. Your financial health is a vital piece of your overall well-being. Because you are the heart of everything we do, we want to celebrate YOU and support your journey toward total peace of mind!

Stop by our branch next week for wellness-inspired treats, fun in-branch activities, and exciting giveaways all week long.

📍 430 12th Street, Modesto, CA

Stay tuned for details. We can't wait to see you!




Happy International Credit Union Day! 🏦✨When financial chatter gets loud, M1FCU cuts right through the static. This year...
10/15/2026

Happy International Credit Union Day! 🏦✨

When financial chatter gets loud, M1FCU cuts right through the static. This year’s global theme says it best: Cooperative Finance: A Steady Signal in a Noisy World.

While big-bank headlines get overwhelming, we keep your financial path clear, local, and stress-free:

⭐ Decisions Stay Local: 100% made right here in Modesto
⭐ Service Stays Personal: Friendly, face-to-face help every time you walk in
⭐ Dollars Stay Home: Your savings fuel local growth right here in our community

Credit unions were built on the belief of people helping people, and today, we’re celebrating YOU!

Thank you for choosing local and trusting M1FCU on your financial journey. 💚




Autumn brings big goals. M1FCU is here to help you bring them to life! 🍂✨Planning to invest in your seasonal business, s...
10/13/2026

Autumn brings big goals. M1FCU is here to help you bring them to life! 🍂✨

Planning to invest in your seasonal business, spruce up your home for holiday guests, or consolidate high-interest balances before the new year?

An M1FCU Personal Loan gives you flexible, local financing to make it happen:

💰 Borrow up to $10,000
🗓️ Terms from 12 to 60 months
⭐ Rates starting from 10.75% APR*

Turn your autumn to-do list into a done list before the holiday hustle begins!

👉 Apply online in just a few minutes: https://bit.ly/35Hmv5x

*APR = Annual Percentage Rate. Subject to credit approval.




Happy Columbus Day! 🗺️🧭Today, we honor the spirit of fresh perspectives, exploring new horizons, courage, and perseveran...
10/12/2026

Happy Columbus Day! 🗺️🧭

Today, we honor the spirit of fresh perspectives, exploring new horizons, courage, and perseverance that helped shape our history and pave the way for vibrant communities like ours here in Modesto.

We hope you have a wonderful and restful day! 💙

M1FCU is closed for the holiday. Manage your money at any time using our M1FCU Mobile App, Online Banking, or local ATMs! 📱🏧




Attention, members! 📣Modesto's First FCU will be closed on Monday, October 12, in observance of Columbus Day.Manage your...
10/09/2026

Attention, members! 📣

Modesto's First FCU will be closed on Monday, October 12, in observance of Columbus Day.

Manage your finances anytime over the holiday using our M1FCU Mobile App and Online Banking. 📲💻

🌟 Have a wonderful long weekend!




When fall colors light up Modesto, a ride you actually love driving makes every trip better! 🛻🍁Upgrade your ride this se...
10/07/2026

When fall colors light up Modesto, a ride you actually love driving makes every trip better! 🛻🍁

Upgrade your ride this season with low rates, flexible terms, and a hometown Modesto team dedicated to getting you the best deal for your budget.

🛞 New Vehicles: Rates as low as 5.00% APR* with 100% purchase price financing and 12- to 84-month terms.

🛞 Used Vehicles: Rates as low as 5.50% APR* with financing up to 100% of KBB Retail Value and 12- to 84-month terms.

Lock in your financing first so you can focus entirely on finding the right vehicle for your family!

👉 Get pre-approved online today: https://bit.ly/35Hmv5x

*APR = Annual Percentage Rate. Subject to credit approval. Terms depend on loan amount and qualifications.




Giving your M1FCU Mobile App vault-level security starts with a few smart choices! 📲🔒Here is how to choose a solid 4-dig...
10/05/2026

Giving your M1FCU Mobile App vault-level security starts with a few smart choices! 📲🔒

Here is how to choose a solid 4-digit passcode and pair it with biometric login for maximum protection:

🔢 Skip the Obvious: Avoid easy-to-guess PINs like 1234, repeating numbers, or birth years. The less obvious, the better!

🛡️ Make It One-of-a-Kind: Choose a PIN that’s totally separate from your phone's lock screen or debit card. If your phone ever goes missing, your banking info stays completely shielded.

👤 Turn On Biometrics: Enable Face ID or fingerprint recognition in your settings for instant, touch-free access that only you can unlock.

Taking 30 seconds to refresh your settings today means total confidence every time you manage your money on the go!

👉 Update your app settings, or swing by the branch if you’d like us to walk you through it: https://bit.ly/3a5MUZW




Time flies when you’re working with the best!Happy 1-Year M1FCU Anniversary to Esperanza! 🤩💙Esperanza, from day one, you...
10/01/2026

Time flies when you’re working with the best!
Happy 1-Year M1FCU Anniversary to Esperanza! 🤩💙

Esperanza, from day one, you have brought so much warmth, kindness, and positivity to our credit union team. Thank you for an amazing first year! We’re so lucky to have you with us and can’t wait for many more. 🌟

👇 Drop a comment below to congratulate Esperanza on her 1-year anniversary!




🎟️ Who wants to go to a BBQ on us?!M1FCU is proud to support the Stanislaus County Peace Officer Association Annual BBQ ...
10/01/2026

🎟️ Who wants to go to a BBQ on us?!

M1FCU is proud to support the Stanislaus County Peace Officer Association Annual BBQ Fundraiser, and we’d love to have some of our members join in on the fun!

We have a limited number of complimentary tickets available exclusively for M1FCU members for this Friday’s event at Durrer’s Barn in Modesto.

📅 Friday, October 2
🕔 Social Hour at 5 PM | Dinner at 6 PM
📍 Durrer’s Barn, Modesto

Great food, raffle prizes, and a fun evening in our community are waiting!

💙💚 Want tickets? Send us a DM or give us a call at (209) 521-2020 to claim yours!

Tickets are available first come, first served while supplies last, so don’t wait!

Make everyday spending simple with Simply Free Checking! 💳✨With Simply Free Checking at M1FCU, what you see is what you ...
09/30/2026

Make everyday spending simple with Simply Free Checking! 💳✨

With Simply Free Checking at M1FCU, what you see is what you get: zero monthly maintenance fees, zero hidden surprises, a free debit card, and 24/7 Digital Banking right at your fingertips.

You even get nationwide fee-free ATM access, all backed by a local Modesto team who actually knows you by name! 💙

No corporate fine print—just a straightforward Checking Account that truly puts you first.

Stop by our branch for a quick visit or open your Simply Free Checking Account online: https://bit.ly/3p4Pbfw




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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