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here for Eligibility
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
There are many ways to help you save. Whether youre 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. Start building your savings and earn
monthly dividends with low average daily balance of just $1.00.
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.
Earn higher yields and guaranteed dividends with fixed term options
from 90 days to 18 months. Open a Mocse Term Share Certificate
with as little as $500.00. Mini Jumbo ($50,000.00) and Jumbo ($100,000.00)
certificates are also available. Penalties may apply for early
- 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. IRA
Certificates are also available for even higher dividend returns.
- 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 with Payroll Deduction and earn monthly dividends as you
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,
no minimum balance requirement and dividends that are paid to
you monthly. 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 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
- Visa® Check Card
Why bother with checks? Through your checking account you have
the power to make purchases using the convenience of a Check Card.
The amount comes directly from the funds available in your checking
account. You get a monthly report of every Check Card purchase
on your account statement for easy reference.
- ATM Only Card
For those of you who are not interested in a Visa®
Check Card, the credit union offers an ATM Only Card to access
the funds in your Mocse savings and checking accounts.
- Internet Banking / BillPay
Get On-line... Not In-line.
Now you can handle your financial transactions at your convenience.
Complete transfers, get balances, pay monthly bills, view statements
or get account histories. Our virtual branch is just a mouse click
away at www.Mocse.org.
- Call 24
Home banking 24 hours a day! From any touch-tone phone you can
easily get balance information, account histories and make transfers
between your Mocse accounts. Call 24 is safe, easy and, there
are no fees. Call (209) 572-3600 or outside the (209) area code
at (800) 44-Mocse.
- Direct Deposit
Dont 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.
- 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.
AutoSMART - Blue Book information
Credit Union Direct Lending (CUDL)
Notary Public Service
Vacation Packages, Discount
Tickets and Discount Coupons
Money Orders & Cashiers Checks
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
Certificate Secured Loan
- 2nd Mortgage Loans
Home Equity Line of Credit
Home Equity Loan
- 1st Mortgage Loans - Ambeck Mortgage
FHA, VA and Conventional Loans
First time Home Buyers Program
PERS and STRS Loans
- Toy Loans
Personal water craft, motorcycles, boats, RVs and more!
- Home Improvement Loans
Improve the energy efficiency of your home!