--- title: "Modesto's First Credit Union Rates (Nov 2026): CDs to 3.75%" description: "Modesto's First Credit Union rates today: savings & CDs up to 3.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Modesto's First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/modestos-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Modesto's First Credit Union Rates (Nov 2026): CDs to 3.75% ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Share Draft** checking | 0.10% APY | 0.10% | — | Standard | | **Club Account** savings | 0.75% APY | 0.75% | — | Specialty offer | | **Regular Share** savings | 0.75% APY | 0.75% | — | Standard | | **Youth Shares**** savings | 2.02% APY | 2.00% | — | Eligibility restricted | | **6-Month Certificate** share_certificate_6mo | 3.00% APY | 2.97% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.25% APY | 3.21% | 12 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.50% APY | 3.46% | 36 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.75% APY | 3.70% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.75% APY | 3.70% | 24 mo | Standard | Modesto's First Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/modestos-first) , verified from [Modesto's First Credit Union's official website](https://www.m1fcu.org/) Loading branch locator… ## About Modesto's First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.5K Assets $72.2M Founded 1940 Locations reported 1 NCUA charter 4022 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Credit-builder products - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Organized Labor** Modesto First Credit Union · Modesto · CA · 95354 About 1.5 miles away](https://rateapi.dev/credit-unions/california/organized-labor) [**Valley First** J Street · Modesto · CA · 95354 About 1.8 miles away](https://rateapi.dev/credit-unions/california/valley-first) [**Mocse** J Street · Modesto · CA · 95354-1013 About 1.8 miles away](https://rateapi.dev/credit-unions/california/mocse) [**Self-Help** Modesto · Modesto · CA · 95351 About 2.2 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) [**Rolling F** ROLLING F CREDIT UNION · TURLOCK · CA · 95382-2471 About 10.8 miles away](https://rateapi.dev/credit-unions/california/rolling-f) [**Merced School Employees** Delhi High School Hawk Branch · Delhi · CA · 95315 About 17.4 miles away](https://rateapi.dev/credit-unions/california/merced-school-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Modesto's First Credit Union Membership eligibility from Modesto's First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Modesto's First Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer City of Modesto, Modesto Irrigation District, Stanislaus Consolidated Fire Department, Turlock Fire Department, AT&T, Stanislaus Medical Society, Habitat for Humanity, Stanislaus County, Children’s Crisis Center, Stanislaus County, Four Star Recovery - Association The Modesto USBC Organization, Conquer 24-Hour Gym Verified from [Modesto's First Credit Union's membership page](https://www.m1fcu.org/join) . Final membership determination is always made by the credit union. ## Membership rules for Modesto's First Credit Union Geography 1 county · Employers 9 · Associations 2 · Family 13 published paths to membership, last verified August 21, 2026, quoted from Modesto's First Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Stanislaus County, CA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Stanislaus County, CA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of City of Modesto “Employees of the City of Modesto” > [source ↗](https://www.m1fcu.org/join) - Employee of City of Modesto - Employee of Modesto Irrigation District “Employees of Modesto Irrigation District” > [source ↗](https://www.m1fcu.org/join) - Employee of Modesto Irrigation District - Employee of Stanislaus Consolidated Fire Department “Employees of Stanislaus Consolidated Fire Department” > [source ↗](https://www.m1fcu.org/join) - Employee of Stanislaus Consolidated Fire Department - Employee of Turlock Fire Department “Employees of the Turlock Fire Department” > [source ↗](https://www.m1fcu.org/join) - Employee of Turlock Fire Department - Employee of AT&T “Employees of AT&T who work in Modesto” > [source ↗](https://www.m1fcu.org/join) - Employee of AT&T - Employee of Stanislaus Medical Society (as written on the source page) “Physicians, the staff members of Stanislaus Medical Society in Modesto, and employees of Stanislaus Medical Society” > [source ↗](https://www.m1fcu.org/join) - Employee of Stanislaus Medical Society - Employee of Habitat for Humanity, Stanislaus County (as written on the source page) “Employees and volunteers of Habitat for Humanity, Stanislaus County” > [source ↗](https://www.m1fcu.org/join) - Employee of Habitat for Humanity, Stanislaus County - Employee of Children’s Inc. “Employees and volunteers of the Children’s Crisis Center, Stanislaus County” > [source ↗](https://www.m1fcu.org/join) - Employee of Children’s Inc. - Employee of Four Star Recovery “Employees of Four Star Recovery” > [source ↗](https://www.m1fcu.org/join) - Employee of Four Star Recovery ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of The Modesto USBC Organization “Members of The Modesto USBC Organization” > [source ↗](https://www.m1fcu.org/join) - Member of The Modesto USBC Organization - Member of Conquer 24-Hour Gym “Members of Conquer 24-Hour Gym” > [source ↗](https://www.m1fcu.org/join) - Member of Conquer 24-Hour Gym ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family “Immediate family members of any exsisting member” > [source ↗](https://www.m1fcu.org/join) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Modesto's First Credit Union? Yes No ## Work at Modesto's First Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Modesto's First Credit Union ranks against California peers. - See which AI assistants fetched Modesto's First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=modestos-first&state=california&code=CA&name=Modesto's%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Modesto's First Credit Union offer? Modesto's First Credit Union is a credit union in California. Rate data is currently being verified. ### How often are Modesto's First Credit Union rates updated? RateAPI verifies Modesto's First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Modesto's First Credit Union's rate data? Rate data is collected directly from Modesto's First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Modesto's First Credit Union's best CD rate? As of November 12, 2026, Modesto's First Credit Union offers savings and certificate (CD) yields up to 3.75% APY. ### Who can join Modesto's First Credit Union? Modesto's First Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 1 county, 9 employers and 2 associations for Modesto's First Credit Union, each quoted from Modesto's First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Modesto's First Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.m1fcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Modesto's First Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Modesto's First Credit Union curl "https://api.rateapi.dev/credit-unions/california /modestos-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Modesto's First Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/modestos-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp