Maximizing Your Savings: Options for Modesto Residents
Saving money is one of the most powerful ways to build financial stability and prepare for life’s milestones. Whether you’re creating an emergency fund, planning for the holidays, or growing your long-term nest egg, having the right savings account makes a big difference.
At Modesto’s First FCU, we’re proud to offer our members a variety of savings options designed to meet everyday needs and future goals. As your local credit union, our mission is simple: to put members first and provide reliable tools for financial growth.
Why Save Locally?
Choosing Modesto’s First FCU instead of a big bank comes with unique benefits:
Better Interest Rates – As a member-owned cooperative, we return earnings to our members in the form of higher dividends and lower fees.
Community-First Approach – At Modesto’s First FCU, members come before profits. Every decision we make is about helping families right here in our own community.
Member-Focused Benefits – At Modesto’s First FCU, you’re not just an account number. You’re part of a community where your goals come first.
Personalized Service – Our team takes the time to guide you through your options, so your savings strategy fits your lifestyle and future plans.
Savings Options at Modesto’s First FCU
Regular Shares
A Regular Share Account is the foundation of your membership with Modesto’s First FCU. With just a $5 minimum balance, you can begin saving while gaining access to all the benefits of membership. In addition to your Primary Share Account, you can set up Special Share Accounts to save for specific needs like vacations, taxes, or family projects.
Share Certificates
If you’re looking for secure, long-term growth, Share Certificates may be a great fit. These accounts allow you to lock in funds for a set period and earn higher dividends than a traditional savings account. They’re an excellent way to reach bigger financial goals with confidence and predictability.
Holiday Club Account
The holidays don’t have to bring financial stress. A Holiday Club Account helps you save throughout the year with convenient deposits via payroll deduction, transfers, or mailed contributions. Funds are automatically released to you on November 1, so you can shop with money you’ve already set aside—making the season more enjoyable and worry-free.
How to Start Saving With Modesto’s First FCU
Getting started is simple:
Explore our Savings Accounts to find the option that best suits your needs.
Compare Savings Rates to plan your next step.
Join Modesto’s First FCU and begin your savings journey today.
Get Started on Your Savings Journey
Every goal starts with a plan, and every plan starts with savings. At Modesto’s First FCU, we’re here to help you prepare for the future while enjoying peace of mind today.
Ready to take the next step?