At a glance
From its website, read 2 Nov 2026Mocse Federal Credit Union is a credit union based in Modesto, California. Its website describes auto loans and personal loans. Stated loan amounts run from $500 to $500,000. The consumer loan APR it states is 8%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (209) 572-3600 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.mocse.org |
| Office (official list) | 3600 Coffee Road, Modesto, CA 95355 |
What their website says about applying
Breeze through our online application in a matter of minutes.
sourceBreeze through an application online or at one of our branches.
sourceBreeze through our Home Equity Master Line application online.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 8% APR | The minimum interest rate is 8.00% APR. | source |
| Auto / vehicle loans | Term: see their wording | by choosing a loan term up to 84 months. | source |
| Personal / consumer loans | Term: see their wording | Terms From 6-72 Months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
While our personal loans don't require collateral, you can always opt to secure your loan with savings at Mocse
source - Membership required
Based on borrower’s credit worthiness and membership in good standing.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 2 Aug 2022 |
| RSSD ID | 169381 |
| Address | 3600 Coffee Road, Modesto, CA 95355 Directions (Google Maps) |
| Website | www.mocse.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area or geographic lending territory is stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Buying your next vehicle is quick, easy, and affordable with Mocse. | source |
| Personal / consumer loans | up to $30,000 | Loan Amounts Up to $30,000 | source |
Loan sizes
For primary residences, loan amounts can be as high as $500,000, depending on appraised value.
sourceMinimum loan advance is $500.00
sourceLoan Amounts Up to $30,000
source
Range used for the size filter: $500 to $500,000
Service area
Not stated on the pages we read.
Borrower focus
- First-time homebuyers
Buying your first home can be stressful, but it should also be fun.
source - Low- and moderate-income / underserved
Our Community Development Financial Institution (CDFI) certification enables us to provide financial services in low-income communities, and to people who lack access to financing.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Breeze through our online application in a matter of minutes.
source
Pages read (7)
- https://mocse.org/
- https://mocse.org/loans/auto-loans/
- https://mocse.org/loans/home-equity/
- https://mocse.org/loans/1st-mortgages/
- https://mocse.org/loans/personal-loans/
- https://mocse.org/personal/term-share-certificates-cds/
- https://mocse.org/faqs/will-i-be-billed-separately-for-each-sub-account-do-i-need-to-make-separate-payments-for-each-home-equity-master-line-sub-account/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MOCSE (charter 12805). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $425.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 29,868 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
California (3 offices)
- Stanislaus County (3): 3600 Coffee Rd, Modesto 95355 (main office); 1400 J St, Modesto 95354; 1401 Geer Rd, Turlock 95380
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Mocse Federal Credit Union (NCUA charter 12805, filed as “MOCSE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $207.8 million, 14,536 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 6.8% from $222.8 million on 30 Jun 2025 |
| Members | 29,868 (as of 30 Jun 2026); 29,156 (as of 30 Jun 2025) |
| Loans per member | $6,957 (total loans divided by members, 30 Jun 2026) |
| Total assets | $425.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $32.1 million | 15.4% |
| Used vehicle loans | $83.6 million | 40.3% |
| First-lien home mortgages (1-4 family) | $26.9 million | 13.0% |
| Other real estate loans (junior liens, other) | $28.6 million | 13.8% |
| Commercial (business) loans | $1.7 million | 0.8% |
| Credit cards | $10.3 million | 4.9% |
| Other unsecured loans | $11.9 million | 5.7% |
| Leases and other secured loans | $12.7 million | 6.1% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $500,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 89% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $425.5 million | Larger than 48% of the 25 other certified credit unions in California (median $613.8 million). |
| Loans as a share of assets | 49% | Median of the same 25 credit unions: 72%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $222.8 million → $207.8 million (-7%) | Median change of 24 other certified credit unions in California: +5%. Rank by loans held among these 25: 13 → 13. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 89% |
| Call Report total assets | other certified credit unions in California | 25 | larger than 48% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 13 → 13 of 25 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Modesto and California
- Modesto's First Federal Credit UnionCredit union · Modesto, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Valley First Federal Credit UnionCredit union · Modesto, CAAuto / vehicle loans, Energy / solar / efficiency loans, Microloans, Home mortgages…Verified
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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