At a glance
From its website, read 2 Nov 2026Modesto's First Federal Credit Union is a credit union based in Modesto, California. Its website describes auto loans, home mortgages and personal loans. Where it lends: Members living, working, studying or worshipping within Modesto, California city limits. It says it considers borrowers with low or no credit history. 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
| Lending | (209) 521-2020 source |
|---|---|
| Toll-free | (888) 945-2020 source |
| info@m1fcu.org source | |
| Apply online | Page with the application link |
| Website | www.m1fcu.org |
| Office (official list) | 430 12th St, Modesto, CA 95354 |
What their website says about applying
Visit your local branch, or request to
sourceYou can complete the application online at your convenience.
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 |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | as low as 5.00% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | as low as 5.50% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | From 10.75% | source |
| Auto / vehicle loans | Term: see their wording | with terms ranging from 36-84 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
- Membership required
Modesto’s First Federal Credit Union members are those individuals who live, work, attend school, or worship within the Modesto, California, city limits.
source - First-time homebuyer program
First-Time Homebuyer Loan
source - Low or damaged credit considered
designed to make it easier for individuals with less-than-perfect credit to buy a home
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) | 8 Jan 2026 |
| RSSD ID | — (none listed) |
| Address | 430 12th St, Modesto, CA 95354 Directions (Google Maps) |
| Website | www.m1fcu.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: medium. Rate tables on the loan pages were partly garbled, so product loan amounts were left blank. 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 | — | New and Used Auto Loans | source |
| Home mortgages | — | Looking for the perfect mortgage in Modesto, CA? | source |
| Personal / consumer loans | — | Personal Loans from Modesto’s First Federal Credit Union | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Members living, working, studying or worshipping within Modesto, California city limits
Modesto’s First Federal Credit Union members are those individuals who live, work, attend school, or worship within the Modesto, California, city limits.
source
Counties this matches: Stanislaus County, CA
Borrower focus
- First-time homebuyers
First-time home buyers
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. You can complete the application online at your convenience.
source
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.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - 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.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$150,000 in 1 award from the U.S. Treasury's CDFI Fund, 2025 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2025 | CDFI Program, Technical Assistance | $150,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MODESTO'S FIRST (charter 4022). 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 | $74.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 3,593 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
California (1 office)
- Stanislaus County (1): 430 12th St, Modesto 95354 (main office)
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 Modesto's First Federal Credit Union (NCUA charter 4022, filed as “MODESTO'S FIRST”). 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 | $55.2 million, 2,387 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 18.6% from $46.6 million on 30 Jun 2025 |
| Members | 3,593 (as of 30 Jun 2026); 3,292 (as of 30 Jun 2025) |
| Loans per member | $15,366 (total loans divided by members, 30 Jun 2026) |
| Total assets | $74.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $5.2 million | 9.4% |
| Used vehicle loans | $17.1 million | 31.0% |
| First-lien home mortgages (1-4 family) | $11 million | 20.0% |
| Other real estate loans (junior liens, other) | $13.9 million | 25.2% |
| Commercial (business) loans | $1.2 million | 2.1% |
| Credit cards | $1.9 million | 3.5% |
| Other unsecured loans | $2.3 million | 4.2% |
| Leases and other secured loans | $2.5 million | 4.6% |
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 |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $74.2 million | Larger than 16% of the 25 other certified credit unions in California (median $613.8 million). |
| Loans as a share of assets | 74% | Median of the same 25 credit unions: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $46.6 million → $55.2 million (+19%) | Median change of 24 other certified credit unions in California: +4%. Rank by loans held among these 25: 21 → 20. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in California | 25 | larger than 16% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 21 → 20 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
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- AccessityLoan fund · San Diego, CASmall-business loansVerified
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- 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
Work at Modesto's First Federal Credit Union? Link to this page
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