There’s a world of benefits that come with membership in Mocse – a financial cooperative owned by members for the benefit of members. And all the Credit Union advantages can be yours in just a matter of minutes, simply by opening a membership Share Savings Account

Mocse Credit Union offers membership to persons who live, work, worship, or attend school in, and businesses and other legal entities located within Stanislaus, Merced, Mariposa and Tuolumne Counties, California.  Please refer to our Field of Membership (FOM) listing to see additional eligibility groups available for membership at Mocse Credit Union.

Savings Accounts

There are many ways to help you save. Whether you’re looking for a short-term investment or a savings plan to secure your future, we have a solution to help you reach your financial goals.

  • Share Savings Accounts

    Maintain membership in the credit union with just $5.00 in your Share Savings Account and be eligible to apply for other services. There is no monthly fee.  We also have specially designed youth accounts for children and teens to help develop money management skills.

  • Share Money Market Accounts

    This account offers premium tiered dividend rates based on a minimum balance of $2,500.00. Dividends are calculated on the daily balance method and credited to your account monthly.

  • Individual Retirement Accounts (IRAs)

    Save for your retirement and earn higher monthly dividends that are tax-free until you start distributions. Roth, Educational, and SEP IRAs are available at competitive dividend rates.

  • Club Accounts

    These accounts provide you extra funds for the holidays-or for a holiday! Put a little bit away, a little at a time before you miss it.

Financial Services

Convenience, solutions and service. Mocse offers everything you need to manage finances, meet goals and simplify your busy life.

  • Checking Accounts

    You'll find lots of good reasons to take care of business with the credit union that takes care of you, like no monthly fees and no minimum balance requirement. Open an account with just $20.00.

  • Personal Line of Credit

    A line of credit can be used for whatever you need, whenever you need it, including overdraft protection for your checking account.

  • Automated Teller Machines (ATM)

    You can access your accounts anywhere, anytime by using the STAR® or Cirrus® ATM networks. You can also make deposits and withdrawals at CO-OP ATMs and avoid paying any fees.

  • VISA® Credit Card

    Get the worldwide purchasing power of a VISA® Credit Card with no annual fee, a competitive non-variable interest rate and a 25-day grace period. It also provides cash access at numerous locations world wide and optional overdraft protection for your Mocse Checking Account.

  • VISA® Debit Card

    Why bother with checks? Through your checking account you have the power to make purchases using the convenience of a Debit Card. The amount comes directly from the funds available in your checking account. You get a monthly report of every Debit Card purchase on your account statement and through Online Banking & Mobile Banking for easy reference.

  • ATM Only Card

    For those of you who are not interested in a VISA® Debit Card, the credit union offers an ATM Only Card to access the funds in your Mocse savings and checking accounts.

  • Mobile Banking, Online Banking & Bill Pay


    Now you can handle your financial transactions at your convenience. Complete transfers, get balances, pay monthly bills, view statements or get account histories.  You can also complete external transfers and utilize the remote deposit capture feature to deposit checks through our Mobile App.  

  • Direct Deposit

    Don’t wait in line! Have your check deposited directly to your account on payday. No hassles, no special trips, no problem!

  • Payroll Deduction

    The easy way to save is also a free service! Simply specify an amount to be deposited into any of your accounts directly from your paycheck and it will be posted on the day your payroll is received. Simply convenient!

  • Automatic Payments

    Eliminate the hassle of writing checks and making payment deadlines. Have the credit union make your credit union loan payments automatically from your account. This service is at no cost to you, and a detailed summary will be provided on your monthly statement or through Online Banking & our Mobile App.

  • Express Walk-Up Window

    Take care of credit union business on your way to and from work. The express walk-up window at both of our Modesto branches is open before and after hours from 8 a.m. to 9 a.m. Monday through Friday and from 5:00 p.m. to 6:00 p.m. Monday through Thursday.

Additional Benefits

  • AutoSMART - Blue Book information

  • Credit Union Direct Lending (CUDL)

  • Notary Public Service

  • Signature Guarantees

  • Vacation Packages, Discount Tickets, Discount Coupons, Money Orders and Cashiers Checks


Loan Services

Mocse Credit Union offers competitive interest rates, no prepayment penalties and a variety of loan products to fit your needs.

  • Auto Loans - New & Used Auto Loans

  • VISA Credit Card

  • Personal Loans
         Personal Line of Credit
         Share Secured Loan

  • 2nd Mortgage Loans
         Home Equity Line of Credit
         Home Equity Loan

  • 1st Mortgage Loans
         FHA, VA and Conventional Loans
         First time Home Buyers Program
         PERS and STRS Loans
         Jumbo Loans

  • Toy Loans
         Personal water craft, motorcycles, boats, RVs and more!

  • Home Improvement Loan