We have loans for every need:
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  • New and Used Auto Loans
  • New and Used Recreational Vehicle Loans
  • Boat Loans
  • New and Used Motorcycle Loans
  • Share/Certificate Secured Loans
  • Unsecured/Personal Loans
  • Line of Credit/Overdraft Protection Loans
  • Platinum Visa Credit Card
  • First Mortgage Loans
  • 2nd Mortgage Loans
  • Home Equity Lines-of-Credit

We calculate the interest you pay on loans based on your unpaid principal balance for the actual number of days you use the funds. There are never any pre-payment penalties or hidden charges.

Description Maximum Financed Maximum Loan Amount Term in Months Annual Percentage Rate
New Vehicle 100% Purchase Price $100,000 12-84 as low as 2.50%
Used Vehicle Up to 100% of Kelley Blue Book Retail Value $100,000 12-84 as low as 2.50%
New Motor Home(RV, Travel Trailer, Boats, Motorcycles, Personal Water Crafts) Up to 100% of Purchase Price $100,000 12-144 as low as 4.50%
Used Motor Home (RV, Travel Trailer, Boats, Motorcycles, Personal Water Crafts) Up to 80% of Kelley Blue Book Retail Value $100,000 12-144 as low as 5.00%
Shared Secured 100% of Regular Shares Balance $500 or more 12-60 Current Share
Rate + 3.00%
Certificate Secured 100% of Certificate Balance $1000 or more Certificate Maturity Certificate Rate + 3.00%
Signature Loans $20,000 $20,000 12-60 From 8.99%
2nd Mortgage Loan Up to 80% of Appraised Value Minus First Mortgage $315,000 60-180 From 5.75%

Your interest rate will be determined by individual credit history and the credit union’s underwriting standards.

Minimum Payment: The amount and due date of your payment will be established at the time of each advance. The minimum monthly payment for all loans is $25 a month unless otherwise stated.

Filing Fee: You may be charged a lien filing fee at the time of advance if the Credit Union takes security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the Credit Union to obtain a lien on your property. The amount of the filing fee will be disclosed at the time of the advance.

Real Estate Closing Costs: Vary from $0 – $1,000.00 depending on the amount borrowed and other factors.

Credit Disability Payment Protection: Credit Disability Payment Protection makes your covered loan payments in the event of disability. Also, it offers financial relief and peace of mind by protecting your credit rating. Low premium, usually only a few cents per $100 of your loan, makes this benefit affordable to Modesto’s First Federal Credit Union members.

Credit Life Payment Protection: This pays off a covered loan balance up to the policy maximum in the event of death. It brings peace of mind and security to your family knowing that they are protected from the loan debt. The premium is also usually only a few cents on every $100 of the loan, makes this benefit affordable to our members.

Mechanical Breakdown Insurance: This provides you with flexibility and security in knowing that your automobile is protected. You may feel secure in knowing that when you incur a problem, the solution is just a phone call away.

GAP Insurance: Guaranteed Auto Protection offers protection against financial liability for individuals who finance a new or used vehicle, motorcycle, RV or boat. GAP coverage protects against financial loss in the event that your vehicle is damaged beyond repair (totaled) or stolen and never recovered. With GAP coverage, the loans uninsured balance is then waived.

Auto Buying Service: Looking for a new automobile? Let Modesto’s First Federal Credit Union put you in the drivers seat the fast, easy way through Pinnacle Auto Brokers. When you work with Pinnacle Auto Brokers, you will save time and money and the hassle of negotiating with the dealer. Modesto’s First FCU offers its members assistance in the purchase of a new or used vehicle through Pinnacle Auto Brokers representative. Pinnacle Auto Brokers professionals will save you time and money while providing fast reliable service. For assistance please call (559) 431-5841.