Mocse Federal Credit Union

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A short history of Mocse FCU

Since its inception in 1959 the Mocse Federal Credit Union has been serving its members in the MODESTO, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Tracey Kerr, the Mocse FCU has grown its membership to over 32,770 with assets of more than $290,773,852. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (209) 572-3600 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MODESTO, CA.

General Information For Mocse FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 12805
Address 3600 COFFEE RD 
State California 
Zip-Code 95355
Phone Number (209) 572-3600
Fax Number (209) 572-1714
Email Address:
CEO/President Tracey Kerr
Members 32,770 
Full-Time Employees 71 
Part-Time Employees
Number of Branch Offices
Total Assets 290,773,852 

Compare Mocse Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Organized Labor CU Organized Labor Credit Union 2112 McHenry Ave 95350 (209) 527-8731 No 2.79
Valley First CU Stockton Branch 1611 W March Ln 95354 (209) 549-8500 No 3.49
Modesto's First CU Main Office 430 12th St 95354 (209) 521-2020 No 3.62
Rolling F CU ROLLING F CREDIT UNION 2101 GEER RD STE 401 95382 (209) 634-2911 No 12.21
Golden Valley CU Golden Valley Federal Credit Union 409 W Center St 95336 (209) 825-5878 No 17.54

Mocse Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Mocse Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.90 2.99 2.89 4.38 4.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 452 145 83 191 132
Rank Among All California Credit Unions 106 56 36 81 33

Mocse Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A N/A 0.04 N/A 0.06
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A N/A 144 N/A 289
Rank Among All California Credit Unions N/A N/A 53 N/A 91
Mocse Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.9005,5696,818,790
All Other Unsecured Loans/Lines of Credit 10.0001,7968,627,782
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.99091628,818,415
Used Vehicle Loans 2.8903,44253,689,234
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.3803914,171,274
Total Other Real Estate Loans/Lines of Credit 4.25052014,626,224
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.4502382,833,387
TOTAL LOANS & LEASES 12,520129,585,106

Mocse Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 2911,558,23141,840,100
    b. 15 Years or less 102,613,04300
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1585,207,936421,686,934
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 3629,418,28834735,538
Open-End Fixed Rate 0000
TOTALS 55928,797,498804,262,572


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Mocse Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes