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Current Promotions


Looking to purchase a new or used car – we can help!  Modesto’s First offers competitive rates and terms.  For members that are just graduating and need a new car, we have a great First Time Buyer Program* to help get you going!

As an added bonus, if your loan funds by August 31, 2018 we will give you $100 Visa® Gift Card** as our thank you!

Click here to apply now!

*Minimum qualifications for First-Time Auto Buyer Program: Borrower must be 18 years old; have at least one year of continuous employment; have a minimum gross monthly income of $1,800; and maximum loan to value is 80%. All loan applications are subject to review. **To receive $100 Visa® Gift Card, your loan must fund on or before August 31, 2018. The Gift Card will be mailed to you within forty-five (45) days of loan funding, and will be considered taxable income and reported to federal and state agencies as required. Please consult with a tax professional if you have questions concerning the tax implications.


 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.