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Modesto's First FCU is a member-owned credit union serving Northern California with hometown banking services, offering savings accounts, loans, and digital banking tools.
Data compiled from public sources
Modesto's First Federal Credit Union is a not-for-profit, member-owned financial institution serving the Northern California community. The credit union emphasizes personal, hometown service and has positioned itself as a community-focused alternative to traditional banks. Their website highlights their commitment to member relationships and local banking.
The institution offers a range of standard credit union products including share accounts (savings), share draft accounts (checking), vehicle loans, and other consumer loan products. They provide digital banking conveniences such as online banking, mobile deposit capabilities, direct deposit services, and payroll deduction options (particularly for City of Modesto employees). Their routing number is 321173506, and they maintain at least one physical branch location where members can conduct in-person business.
Modesto's First differentiates itself through localized service offerings, including a payroll deduction program specific to City of Modesto employees and an emphasis on "hometown service with heart." They offer a 0.25% discount on new and used vehicle loans for borrowers making 20% cash down payments, with a separate first-time buyer program. Membership requires a minimum $5 opening deposit. Their mobile deposit service is free to qualifying members with defined limits ($3,000 per check, $5,000 daily, $10,000 monthly).
As a credit union, this institution is NCUA-insured rather than FDIC-insured, which provides equivalent deposit protection. The available website content is limited to member services and general information, lacking details about specific account types, interest rates, fees, loan terms, or the full scope of available products. Prospective members would need to contact the institution directly or visit in person for comprehensive product details and pricing information.
This is state-level context for Credit Unions consumers in Modesto, CA. It does not confirm that Modesto'S First or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Modesto'S First offers 11 services including Share accounts (savings accounts), Share draft accounts (checking accounts), Vehicle loans (new and used) with down payment discount options, General consumer loan products, Online banking portal with login credentials, and 6 more.
Modesto'S First has profile signals associated with Northern California residents and employees seeking local, relationship-based banking with community connection, City of Modesto employees interested in payroll deduction and direct deposit integration, Vehicle buyers looking for discounted loan rates with down payment incentives, Members who prefer mobile banking convenience and want to avoid branch visits for routine deposits.
Key strengths: Free mobile deposit service for qualifying members with straightforward instructions and process; Direct deposit and payroll deduction options available, including dedicated payroll deduction program for City of Modesto employees; 0.25% discount on new and used vehicle loans with 20% cash down payment. Areas to consider: Mobile deposit has restrictive limits ($3,000 per check, $5,000 daily, $10,000 monthly) that may not accommodate larger deposits; Limited online presence and publicly available information about specific products, rates, and fees.
In the Credit Unions category, comparable providers include CommonWealth Central Credit Union, Los Angeles Federal Credit Union, San Francisco Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Modesto's First FCU is profile signals for Northern California residents who value personalized, community-focused banking and want to support a member-owned institution. The main caveat is that critical product details including specific account types, interest rates, loan terms, and comprehensive fee structures are not publicly available on their website, requiring direct contact with the credit union for detailed financial planning.
CommonWealth Central Credit Union is a federally-insured credit union offering online banking, loans, and member services through multiple locations.
Google rating from 107 reviews
Profile signals: Local community members with access to CommonWealth Central Credit Union branches, Consumers seeking lower-cost banking alternatives through credit union membership
Los Angeles Federal Credit Union is a member-owned financial cooperative offering banking, lending, and investment services to the LA area since 1936.
Google rating from 182 reviews
Profile signals: Los Angeles-area residents eligible for credit union membership seeking rate claims to verify on vehicle and home loans, Members interested in community-focused banking with reinvestment in local programs and scholarships
San Francisco Federal Credit Union is a membership-based credit union serving the Bay Area with six branch locations, offering checking, savings, loans, and mortgages to residents and employees of San Francisco and San Mateo counties.
Google rating from 1,077 reviews
Profile signals: Bay Area residents and employees seeking low-cost, community-focused banking with competitive auto and mortgage rates, Individuals living or working in San Francisco or San Mateo counties interested in credit union membership benefits and personal service
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