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Modesto'S First

430 12TH STREET, Modesto, CA 95354
NCUA Insured4.2 (20 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1940

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

430 12TH STREET

Modesto, CA 95354

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(209) 521-2020

Service Area

This credit union is located in Modesto and serves members in the CA area. Currently serving 3,400 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.50%

Used Auto Loan

6.00%

Personal Loan

17.99%

Credit Card APR

10.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%
Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%
North Bay— Personal Loan

Santa Rosa, CA

2.33%
Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.2

20 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Paul Zapata

Paul Zapata

5 months ago

The credit union is AMAZING!! All of the employees are wonderful and I cannot say enough about Heather. They make any banking needs so easy. Their rates are also great. They have earned my business and I will be a long time customer.

Alexandra Castro

Alexandra Castro

8 months ago

Tiny and tidy this place is full of an Amazing Team! The Customer Service is excellent, the wait time is close to none, and the services they offer are above and beyond. I love that I am able to work on my credit!

Justus Spano

Justus Spano

6 months ago

Always very nice and considerate!! Great staff.

Lindsey

Lindsey

2 years ago

I would rate zero stars if I could. 1/12/23 between the hours of 12:45-2pm my life partner was racially discriminated against by the staff. He came in to follow up on his loan application AS A MODESTO JR COLLEGE student and was told before being spoken to, “we don’t just serve anybody here.” Staff immediately brushed him off and treated him like garbage. We will be following up on this to the highest office of this establishment. Do not recommend.

Julio Harless

Julio Harless

8 years ago

Friendly staff who know you by name. Great rates and free checking. Can use ATM card at any CO-OP atm without fees. Only issues I've ever had were when trying to withdraw several thousand dollars at a time without advance notice. Because they are so small, they don't keep that much cash on hand.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).