Modesto’s First FCU was chartered as Modesto Municipal Employees Federal Credit Union (MMEFCU) in July 1940. Beginning in the 1950’s Telpaco Modesto Federal Credit Union began sharing office space with MMEFCU, and both credit unions were jointly operated under common management until merging together in January 1999, forming Modesto’s First Federal Credit Union.

Modesto’s First FCU is a not-for-profit financial institution and one of the most stable in the county. Modesto’s First FCU serves: employees of the City of Modesto; employees of AT&T work in Modesto; and as of December 1, 2018 anyone who lives, works, worships in, or attends school within the Modesto City limits.

Modesto’s First FCU provides its members with exceptional financial services including low-cost loans and high return share accounts. Plus, because we only serve our own members, we are able to provide the personalized service and attention you’ll find lacking in many large financial institutions. At Modesto’s First FCU all lending and operating decisions are made right here in the Central Valley by people who understand the local environment.

In addition, we are committed to complete member satisfaction. We go to great lengths to provide service with courtesy, professionalism, and care. The attention given to members distinguishes Modesto’s First FCU from other financial institutions.

Because the credit union is a not-for-profit, member-owned cooperative, members have a direct impact on how the organization operates. Members elect a board of directors who serve without compensation and help the operations of the credit union.

Finally, as a federally chartered credit union, Modesto’s First FCU is strictly regulated by the National Credit Union Administration, an agency of the U.S. government. Further, deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF).

All this adds up to a financial institution that provides better services in an environment that’s second to none.