Modesto FCU's Guide to Investing With Share Certificates

If you're looking for a safe, steady way to grow your savings in Modesto, CA, a Share Certificate from Modesto’s First FCU is one of the simplest and most reliable investments you can make.

They work like a Certificate of Deposit (CD), but with the added benefit of being offered through your local credit union, where your success is always our priority.

When you open a Modesto’s First FCU’s Share Certificate, you’re not only building your own financial future—you’re also keeping your money rooted in Modesto, supporting your neighbors and community.

How Share Certificates Work

A Share Certificate is a time-based Savings Account that earns dividends at a fixed rate for the length of your chosen term. You choose your term, deposit the amount you’d like to invest, and they grow. At maturity, you collect your original balance plus the earnings.

Here’s why members trust them:

  • Fixed, competitive rates that don’t change with the market

  • Flexible terms designed for both short- and long-term goals

  • Guaranteed returns with no surprises

  • Federally insured by the NCUA for peace of mind

Learn more about how we support your savings journey with our Savings Accounts, and check out our Savings Rates.

The Benefits of Modesto’s First FCU Share Certificates

Whether you’re setting aside funds for a major purchase, building retirement savings, or simply looking for a smarter alternative to a traditional savings account, our Share Certificates are designed with your goals in mind:

  • Terms range from just a few months to several years

  • Low minimum deposits so you can get started today

  • Reliable returns that take the stress out of investing

  • NCUA insurance up to $250,000

  • The security of knowing your money is invested locally

With Modesto’s First FCU, your money grows with confidence and stays close to home. 

Why Choose Modesto’s First FCU to Invest?

Not all Share Certificates are created equal. At Modesto’s First FCU, you’re a member-owner, not just a customer. That means your investment benefits you and your community, not corporate shareholders.

With us, you’ll enjoy:

  • Rates that are often higher than traditional banks

  • Decisions made with our members’ best interests at heart

  • Local service from people who live and work in Modesto

  • The knowledge that your money helps strengthen our community

See how much you could earn by checking our current Savings Rates.

Start Investing With Modesto’s First FCU

Safe investing doesn’t have to be complicated. With Modesto’s First FCU, it’s about helping you, your family, and your community thrive. Let’s build a stronger future for you and for Modesto.

OPEN A SHARE CERTIFICATE
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