M1FCU Savings Accounts: Your Foundation for What’s Next

We all have that "one thing" we’re dreaming about. Maybe it’s a bucket-list trip, starting a business, or finally saving enough for a down payment on a home.

At Modesto’s First FCU, we want to help you make those plans a reality. Whatever your "why" is, you deserve a Savings Account—and a financial partner— that truly puts you first!

Regular Share Savings Account: Your Open Door to M1FCU

Think of our Regular Share Savings Account as your key to all the services Modesto’s First FCU offers. We call it "Shares" because your initial deposit is literally your share of ownership in the credit union. It’s the smartest $5 you’ll ever spend!

Why it’s a total win:

• Easy to Get Started: Just $5 opens your Savings Account. That’s it. No mountain of paperwork or massive opening deposits required.

• Money That Grows While You Sleep: We offer competitive interest rates to give your balance a little extra boost every month.

• Your Money, Anywhere: Whether you’re at home or out and about, our Mobile and Online Banking tools keep your account right at your fingertips.

• Safety You Can Count On: Your savings are federally insured by the NCUA up to at least $180,000.

More Ways to Save With M1FCU

While our Regular Share Savings is the perfect place to start, we offer a whole suite of products designed to help our members in Modesto reach specific goals even faster.

Holiday Club Accounts

Enjoy the Christmas festivities without the "January credit card hangover." You decide how much to save via payroll deduction, mail, or easy transfers and we’ll handle the rest.

• The Payday: On November 1, we’ll mail you a check or transfer your total balance into your M1FCU Account so you can shop with cash you've already budgeted.

• The Perks: Earn dividends paid quarterly on your average daily balance. Plus, if you don't need the cash right away, you can leave it in the account to keep growing for next year!

Share Certificates

If you have cash sitting idle that you don't need for your daily expenses, put it to work! Our Share Certificates let you "lock in" a dividend rate significantly higher than a standard Savings Account. We offer a variety of terms and minimum balances to fit your timeline, with dividends paid quarterly.

Why Banking Local Means Banking Better

If you’re searching for a Savings Account in Modesto, you’ve probably seen the big banks making big promises. But here’s the inside scoop: they work for Wall Street; we work for you.

• You’re the Owner: When you join M1FCU, you aren't just an account number—you’re a member-owner. We’re a not-for-profit, which is just our way of saying we take our earnings and give them back to you through better rates and fewer fees.

• Keeping it in the 209: Your money stays right here in Modesto, growing your savings while helping fund local car loans, home projects, and more. Better for you, meaningful for your community.

• Service That Feels Like Home: Whether you’re stopping by or calling us up, you’ll get real help from local experts who know and live Modesto life.

• Here, You Come First: It’s more than a slogan—it’s how we show up for every member, every time, with personalized support that puts your needs front and center.

Ready to Level Up Your Savings?

You don't need a massive windfall to start building a brighter future. You just need a partner who actually cares about your success. From the orchards to the heart of downtown, we’re proud to be Modesto’s first choice for a better way to bank!