Modestos First Federal Credit Union, located at 430 12th Street in Modesto, California, operates as a member-owned financial cooperative. Established to serve the financial needs of its members, the organization functions as a cooperative institution governed by a board of volunteers and elected officials from the membership. Its structure typically emphasizes democratic control, with each member holding one vote regardless of account size, aligning management decisions with the collective interests of the credit union’s holders.
Historically, credit unions in the United States emerged to provide accessible banking services to workers, communities, and groups that sought alternatives to for-profit institutions. This Modesto-based credit union would generally offer a range of services customary to credit unions, including deposit accounts, lending products, and basic financial services. The operational scope commonly encompasses serving local residents and small businesses within the field of membership, maintaining financial stability, member education, and community-oriented initiatives consistent with credit union principles.
Better than 44% of providers in Modesto
In addition to the primary service, Modesto's First Federal Credit Union also offers:
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Modesto's First Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Modesto's First Federal Credit Union is listed as a financial service provider in Modesto, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Modesto's First Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Modesto's First Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Modesto's First Federal Credit Union with other providers in Modesto and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Modesto's First Federal Credit Union has a rating of 4.1, which is better than 44% of providers in Modesto.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Modesto's First Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Modesto's First Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Modesto's First Federal Credit Union also offers: Loan agency, ATM, Car finance and loan company, Investment bank, Federal credit union, Mortgage lender.