3 Steps: How to join a credit union

 
 
Find out if you are eligible for membership at Modesto's First FCU.
 
 

Unlike banks, credit unions are communities. They’re known for their friendly employees, warm hospitality, and outstanding rates. Because of the amazing service that credit unions offer, it’s easy to assume that membership is extremely exclusive. This is not the case, however!

Step 1: Find your nearest credit union

Joining a credit union is easy. Most credit unions accept members based on location, typically within a radius of a few counties. They also accept family members of these members as well, even if they live in other areas.

 
 
Become a member of Modesto's First FCU today!
 
 

BE SURE YOU’RE IN THE credit union FIELD OF MEMBERSHIP

Some credit unions are a bit more niche, however, and only accept members in both a certain radius and certain professions. There are credit unions that specifically tailor to teachers, first responders, medical personnel, those in select military branches, etc. For these credit unions, the member must live within a certain area but also work the field that the credit union is based on. Family members of these members can also join. 

Step 2: Apply and become a member for life

The wonderful thing about credit unions is that when you join, you are a member for life! This means that if you move, switch professions, etc., you are still able to keep your membership. That’s the #CreditUnionWay.

WHAT YOU NEED TO KNOW BEFORE APPLYING TO JOIN A CREDIT UNION

To join a credit union, all you have to do is visit the website of the one you qualify for. Many sites have an electronic application you can fill out.

Should you be accepted, you will then be asked to deposit a minimum of five dollars into your share draft account (checking account). These $5.00 signify your ownership in the credit union (That’s right, you OWN a part of the credit union!).

Unlike banks, credit unions use members’ money for loans. Essentially, if you were to apply for an auto loan, for example, the money borrowed would come from your fellow credit union members.

 
 
joining a credit union is easy
 
 

Step 3: Call, apply online, or visit the credit union in person to apply

If you would not like to apply electronically, you can email or call the credit union and set up an appointment to talk about membership in person with a representative. Credit unions are here to serve you. Ditch being a customer of a bank and become a member at Modesto’s First FCU today!

Come visit our credit union

IN-PERSON OR ONLINE

Visit the Modesto's First Federal Credit Union home page

main BRANCH ADDRESS

430 12th Street
Modesto, CA 95354


PHONE NUMBERS

Work: (209) 521-2020
Toll Free: (888) 945-2020
Email: info@m1fcu.org
Fax: (209) 521-4570
S/B: (209) 521-2020

HOURS OF OPERATION

Monday to Friday: 9:00 a.m. to 5:00 p.m.
Saturday and Sunday: CLOSED