From Pre-K to College Move-In: Ace the Year With a Modesto Back-to-School Loan
The countdown to the first day of school has officially begun! From the first day of Pre-K to move-in day at college, we want to make sure our Modesto students have everything they need to ace the upcoming school year.
But between a new backpack, fresh outfits, sports gear, club fees, dorm supplies, and that new laptop for college, those supply lists get longer and more expensive every single year!
That’s why Modesto’s First FCU offers a specialized Back-to-School Loan designed to help Modesto families tackle these seasonal expenses without breaking the bank.
Why Choose a Back-to-School Loan
It’s easy to just slide a credit card at the checkout counter, but watching that high-interest balance pile up is no fun. By choosing a Modesto’s First FCU Back-to-School Loan, you get:
Low fixed rates from 6.75% APR* to ditch high-interest store cards and keep way more money in your pocket!
Predictable monthly payments with a set payoff schedule that fits into your family’s monthly budget.
A single cash lump sum to conquer your entire shopping checklist all at once.
Full protection for your personal savings so you can check off that school supply list without draining your emergency cash.
Our Back-to-School Loan gives you the perfect boost to power through the shopping season, completely stress-free, knowing your kids are fully geared up for day one, and your wallet is set up for a total straight-A win all year long!
Your 3-Step Guide to Apply
We’ve made applying for your Back-to-School Loan incredibly fast and stress-free. Here’s how to crush your to-do list in a flash:
Step 1: Apply in Just a Few Clicks – Fill out our quick online application from the comfort of your home, or stop by our branch on 12th Street to fill out the application in person.
Step 3: Get Rapid Approval – Our Modesto-based lending crew reviews your application right away, locking in your low rate and getting back to you with fast approval details so you can secure your funds just in time for the first day of class.
Step 3: Grab Your Cash & Hit the Stores – Once your loan is approved, we’ll quickly deposit the funds directly into your account so you can get right to shopping. You're officially ready to hit the stores and conquer that back-to-school checklist with total confidence!
Got a few questions or need a little extra guidance before you hit submit? Our friendly team is ready to walk you through the application or help you find the perfect loan fit for your family.
Join M1FCU & Let's Make This School Year Unforgettable!
We’ve been proudly serving the Modesto community since 1940. We aren't some distant corporate bank managing accounts from a skyscraper in another state. We live here, work here, and want to see your student succeed just as much as you do!
If you live, work, worship, or go to school within Modesto city limits (or are an employee/volunteer at one of our Select Employer Groups), you belong at M1FCU!
Don't wait for the first school bell to ring to unlock your member benefits. Joining our credit union gives you access to a lifetime of lower fees, highly competitive rates, and a supportive team that always roots for your success. All it takes is a quick application and a simple $5.00 deposit to activate your membership for life.
Join Modesto’s First FCU today, and let's crush this school year together!