Mocse Federal Credit Union

Headquarters

3600 Coffee Rd
Modesto, CA 95355
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Mocse is an NCUA insured institution located in Modesto, CA. It was founded in 1959 and has approximately $412.15 millions in assets.

Who can join?

The Field of Membership of Mocse Federal Credit Union shall be limited to those having the following common bond:

1. Persons who live, work, worship, or attend school in, and businesses
and other legal entities located within Stanislaus County, California

2. Persons who live, work, worship, or attend school in, and businesses
and other legal entities located within Mariposa, Merced and Tuolumne
Counties, California

3. Employees of all public school districts, who work in Stanislaus County
or Tuolumne County, California.

4. Members of the California State Employees Association, Don Pedro
Chapter #67 and #176, in Sacramento, California, who qualify for
membership in accordance with its charter and bylaws in effect on
January 1, 2002.
Full-time employees of the California National Guard, Modesto
Battalion, who work in Modesto, California
Employees of the California State University, Stanislaus, who work in
Turlock, California
Federal employees who work in Stanislaus County, California
(excluding U.S. Postal and Military Service Personnel on active duty
under United States Code Title 10)
Employees of select companies who work in Modesto,
California

Spouses of persons who died while within the field of membership of this credit union; employees of this credit union; persons retired as pensioners or annuitants from the above employment; volunteers; members of their immediate families or households; and organizations of such persons.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 12805
Date Established	1959
Assets	$412.15 million
Loans	$218.30 million
Deposits	$388.89 million
Capital	$40.17 million

Field of Membership Restrictions

Must live, work, worship or attend school in Stanislaus, Mariposa, Merced or Tuolumne Counties in California. Also open to employees of several other Institutions and companies.

Deposit Rates - April 25, 2025

Your Current Location: Arizona, AZ 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Money Market	0.03%	$2,500	$2,999	Learn More Reviews
Money Market	0.04%	$10,000	$14,999	Learn More Reviews
Money Market	0.06%	$25,000	$29,999	Learn More Reviews

Loan Rates - April 25, 2025

Your Current Location: Arizona, AZ 10007

There are currently no loan rates available for Mocse

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Arizona 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1982090	6.366%	6.250%	0.88	$4,020	$1,971	Learn More
NMLS ID: 1835285 License#: 1835285	6.434%	6.375%	0.63	$2,000	$1,997	Learn More
NMLS ID: 1001884 License#: 0922379	6.434%	6.375%	0.63	$2,000	$1,997	Learn More
NMLS ID: 447490	6.493%	6.375%	0.75	$3,955	$1,997	Learn More

See More Mortgage Rates →

Featured - Arizona Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Mocse
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Branches

Below are Mocse branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Phoenix,Arizona

Mocse Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Turlock	520.82	A	View Lobby Hours
J Street	532.91	B	View Lobby Hours
Coffee Road	533.66	C	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

MOCSE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Mocse Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mocse. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Mocse	U.S. Average
17.59%	7.07

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2024, Mocse had $6,382,892 in non-current loans and $1,350,792 in owned assets. To cover these potential losses it had $40,169,119 in net worth and $3,788,021 in loans loss reserves. That gives it a Texas Ratio of 17.59%.

Net Worth

Mocse	U.S. Average
9.75%	14.25%

Mocse FCU has a net worth of 9.75% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Mocse

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