M1FCU Savings Accounts: Your Foundation for What’s Next

Whether you're saving for a rainy day or a dream getaway, we’re here to help your money grow faster.

Everyone has a "why." Maybe yours is a down payment on your first home, saving to support your kid’s education, or simply enjoying the peace of mind that comes with a healthy emergency fund. Whatever your goal, a great Savings Account is the engine that gets you there.

Choosing where to keep your hard-earned money matters. In a world of big, distant banks, Modesto’s First FCU offers a local alternative where your deposits stay right here in our community, working for you and your neighbors.

Building Your Financial Future with Modesto's First FCU

Why choose a credit union over a traditional bank? It’s simple: You’re an owner, not just an account number. As a not-for-profit financial cooperative, we don’t have outside shareholders to please. Instead, we return our "profits" to you in the form of higher dividend rates on savings and lower fees. When you search for a Savings Account in Modesto, you aren’t just looking for a place to park your cash—you’re looking for a partner who values your financial wellness.

The "Regular Shares" Account: Your Membership Key

At M1FCU, our primary Savings Account is called a Regular Shares Account. It’s called "shares" because your initial deposit represents your ownership share in the credit union! This account is the first step in your M1FCU partnership and comes packed with member-first benefits:

Low Opening Deposit: Start your journey with as little as $5.
Competitive Dividends: Earn a competitive rate on your balance, helping your money work harder for you.
Easy Access: Manage your funds 24/7 with our Mobile App and Online Banking.
Safety & Security: Your deposits are federally insured up to at least $250,000 by the NCUA, so you can sleep soundly knowing your money is protected.

Open Your Regular Shares Account

Savings Tools for Every Season of Life

While our Regular Shares Account is the perfect foundation, we offer specialized ways to reach your specific goals even faster:

Holiday Club Accounts: Take the stress out of the season by tucking away a little each month for your year-end celebrations.
Share Certificates: If you have funds you don't need to touch for a while, lock in an even higher rate with a fixed-term certificate.
Youth & Teen Savings: It’s never too early to start! We help the next generation of Modesto residents learn the power of a dollar.

Explore All Savings Options