Your Dream Trip is Just a Vacation Loan Away!

If you could travel anywhere in the world this summer, where would you go?

Would you soak up the neon lights of New York City, hike the breathtaking trails of Yellowstone, or finally take the family to see the sights in Washington, D.C.?

Or maybe you’re dreaming of something a bit more stamps-in-the-passport, like the historic streets of Rome, the vibrant beaches of Rio, or the thriving energy of Tokyo.

Wherever your dream trip is, M1FCU’s Vacation Loan helps you get there!

Better Financing for Your Summer Getaway

Before you book that flight out of SMF or head toward the coast, consider a smarter way to pay. Our Vacation Loan is designed to give you the funds you need without the long-term financial stress. Here is what you can expect when you borrow with M1FCU:

• Rates as low as 6.75% APR*: Lock in an affordable, fixed rate that keeps your travel costs low and predictable.

• Borrow from $1,000 to $5,000: Choose the loan amount that perfectly fits your specific itinerary and travel goals.

• Terms between 12 and 24 months: Select a repayment term that works for your budget so you aren't paying for this year's trip during next year's vacation.

• Fast, Local Decisions: Because we are right here in Modesto, our lending process is quick, personal, and efficient.

Vacation Loan vs. Credit Cards

While those credit card rewards can be tempting, carrying a high-interest balance after your trip can lead to a "debt hangover" long after your tan has faded. Most credit cards have variable interest rates that can skyrocket to over 20%!

With an M1FCU Vacation Loan, you get a fixed rate and a set end date. You won't be stuck making "minimum payments" for years. We provide the structure you need to enjoy your vacation responsibly, ensuring that when you come home, high-interest debt doesn’t follow.

How to Join and Apply

Ready to cross that bucket list destination off your list? Start by joining Modesto’s First FCU, and then securing your Vacation Loan is a breeze.

1. Become a Member - If you live, work, worship, or attend school in Modesto, you are eligible to join! Simply visit our branch or start your membership application online to unlock all our exclusive financial benefits.

2. Apply for Your Loan - Once you’re a member, you can apply for your Vacation Loan directly through our website or by visiting us in person. Our friendly Member Service Representatives are ready to walk you through the process and answer any questions you have.

3. Start Packing - With a quick approval process, you’ll have your travel funds ready in no time!

Borrowing Local = Traveling Better

As a member-owned cooperative, we trade corporate profits for lower rates and fewer fees, ensuring your money stays right here in the 209 to support the Modesto community while you explore the globe. You’ll skip the automated call centers for real, local experts who truly put your financial health first, providing the personalized support you need to make your travel dreams a reality without the high-interest stress.

The World is Waiting! Let’s Get You There

Your next adventure is just an application away! Whether you're chasing the sunset or exploring a new city, M1FCU is proud to be Modesto's local partner in making world-class memories.

We’ve been serving this community from the heart of downtown to the edge of the orchards, and we’re ready to help you reach your destination with a loan that fits your life.