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Current Promotions


Go ahead, take that trip! We are offering fantastic short-term, low-rate vacation loans! Enjoy rates as low as 5.50% APR* but hurry! This Vacation Loan is only available until June 30, 2018.

Don’t want to carry a lot of cash on your vacation? Our Platinum VISA® Credit Card and a Platinum Shared Secured VISA® offer low interest rates and no annual fee. Apply today and have the card ready for your next vacation! For more information visit stop by our branch or call us at (209) 521-2020.

*APR = Annual Percentage Rate. Vacation loan rates effective April 1, 2018 and are subject to change. Rates range from 5.50% to 7.00% APR. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications. Actual rates are disclosed to applicant in writing prior to loan execution. Amounts range from $1,000 to $5,000 and terms range from 12 to 24 months. Offer does not apply to refinancing existing M1FCU loans. To learn more about rates and terms call (209) 521-2020, visit, or visit our branch. Loan payment example: $44.79 per month per $1,000 borrowed at 7.00% APR for 24 months. Interest accrues from date funds are advanced. Normal credit and lending guidelines apply. No more than two loan promos per member can be opened concurrently. Vacation loan offer ends June 30, 2018.


 IT’S SUMMER Time for a Sweet Bonus

4.99% APR*

When you transfer an existing balance to your Modesto’s First FCU Visa Credit Card between June 1st and August 31st 2018, you’ll receive a promotional APR of 4.99% for 24 months.**

*APR = Annual Percentage Rate

**Balance transfers completed between 6/1/2018 through 8/31/2018 will receive 4.99% promotional APR for 24 months from the date of the first balance transfer.  After the promotional time frame expires, remaining balances will migrate to standard APR applicable on your account.  Contact us at (209) 521-2020 for more details.





Did you know that your immediate family members can join our M1FCU family?  Give them peace of mind knowing you’ve referred them to a secure, full-service financial institution.  We have no hidden fees, offer competitive deposit rates and have some of the lowest loan rates in the Central Valley!

We’d like to meet your relatives!!  Bring them by the office, or have them give us a call at (209) 521-2020 for more information.  If they open an account with us, we’ll give YOU a $15.00 Visa Gift Card as a token of our thanks for extending our family!

*Immediate family members include a spouse, child, sibling, parent, grand parent, grandchild, stepchildren, step siblings, step grandparents, step grandchildren, and adopted children.