Best Banks & Credit Unions in Modesto, California

Banks and credit unions serving Modesto, California. Compare up to 4.00% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Modesto, California. All rankings inherit from the California state directory. Every institution listed is licensed to serve Modesto residents and is either headquartered in California or operates branches in the metro.

Top options in Modesto

• Provident Credit Union: 4.45% APY. Northern California credit union with competitive short-term CD specials.
• Mechanics Bank: 4.40% APY. California community bank offering competitive short-term CD specials.
• Golden 1 Credit Union: 4.00% APY. One of the largest state-chartered credit unions in California with statewide branch access and broad membership eligibility.
• America First Credit Union: 3.95% APY. 12-month Certificate: 12-17 months term; $500 minimum opening balance. Read Sep 7, 2026 on americafirst.com. Rates as of 2026-09-04 per the page.
• SchoolsFirst Federal Credit Union: 3.75% APY. 12-month Share Certificate: 12-17 months term; $500 minimum balance. Read Sep 7, 2026 on schoolsfirstfcu.org. Rates as of 2026-09-06 per the page.
• Navy Federal Credit Union: 3.70% APY. 12 Months Standard Certificate: $1,000 minimum deposit; rates as of Sep 07, 2026 ET per the certificate rates page. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-06 per the page.

Other California cities

• Banks in Los Angeles
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See the full California banks directory for every institution we've verified in the state, plus the underlying methodology.