US Bank Directory
Banks in Modesto, CA
17 FDIC-insured banks operate 39 offices in Modesto, California, and 7 credit unions have 11 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Modesto
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 24 banks and credit unions operate 50 locations in Modesto, according to the FDIC and the NCUA. 50 of them have coordinates on record and are on the map. 30 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
50 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Modesto
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Modesto, with 4 each. 6 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Bank of America Bank · 4
Bank of America has 4 branches in Modesto, 684 across California and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the Modesto Main Branch at 1601 I St, dating to 1917; the newest, at 3401 Dale Road/600, to 1976. 2 of its 4 Modesto locations with published hours open on Saturday.
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Modesto Main Branch1601 I St, 95354
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
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Oakmore Plaza Branch1737 Oakdale Rd, 95355
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
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Vintage Faire Branch3401 Dale Road/600, 95356
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
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North Mchenry Branch3416 Mchenry Ave, 95350
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
BMO Bank · 4
BMO has 4 branches in Modesto, 226 across California and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the Modesto Main Branch at 901 H St, dating to 1960; the newest, at 3801 Pelandale Ave, to 2002. 2 of its 4 Modesto locations with published hours open on Saturday.
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Eastridge Branch1401 Oakdale Rd, 95355
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
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Modesto Mchenry Branch3600 Mchenry Ave, 95356
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
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Pelandale Branch3801 Pelandale Ave, 95356
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
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Modesto Main Branch901 H St, 95354
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Chase Bank · 4
Chase has 4 branches in Modesto, 858 across California and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the Standiford Ave Branch at 2900 Standiford Ave, dating to 1889; the newest, at 3601 Pelandale Ave Ste C-1, to 2011. All 4 of its Modesto locations with published hours open on Saturday.
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Century Center Branch2401 E Orangeburg Ave, 95355
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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Mchenry Avenue Branch2609 Mchenry Ave, 95350
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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Standiford Ave Branch2900 Standiford Ave, 95350
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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Pelandale And Chapman Branch3601 Pelandale Ave Ste C-1, 95356
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Farmers & Merchants Bank of Central California Bank · 4
Farmers & Merchants Bank of Central California has 4 branches in Modesto, 34 across California and 34 nationwide. FDIC records list its main office in Lodi, CA and show it operating since 1916. With $5.83 billion in total assets on June 30, 2026, it ranks No. 257 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the Modesto Main Branch at 3001 Mchenry Ave, dating to 1979; the newest, at 3500 Dale Rd, to 2003. It does not publish hours in the sources this page uses; check its site before you go.
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Modesto Carpenter Road Branch1521 N Carpenter Rd, 95351
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Modesto Messenger Service Branch2711 Mchenry Ave, 95350
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Modesto Main Branch3001 Mchenry Ave, 95350
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Modesto Vintage Faire Branch3500 Dale Rd, 95356
Oak Valley Community Bank Bank · 3
Oak Valley Community Bank has 3 branches in Modesto, 20 across California and 20 nationwide. FDIC records list its main office in Oakdale, CA and show it operating since 1991. With $2.00 billion in total assets on June 30, 2026, it ranks No. 607 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the 12Th & I at 1200 I St # 3, dating to 1997; the newest, at 3508 Mchenry Ave, to 2011. It does not publish hours in the sources this page uses; check its site before you go.
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12Th & I1200 I St # 3, 95354
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Mchenry Branch3508 Mchenry Ave, 95356
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Modesto Dale Branch4120 Dale Rd, 95356
U.S. Bank Bank · 3
U.S. Bank has 3 branches in Modesto, 563 across California and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the Modesto Office at 1124 J St, dating to 1957; the newest, at 3501 Tully Rd, to 1994. 1 of its 3 Modesto locations with published hours open on Saturday.
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Modesto Office1124 J St, 95354
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
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Mchenry Branch2008 Mchenry Ave, 95350
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
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Tully Branch3501 Tully Rd, 95356
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Valley First Credit Union Credit union · 3
Valley First Credit Union has 3 officees in Modesto, 9 across California. It is based in Modesto, CA and $1.11 billion in assets on March 31, 2026, according to its NCUA call report. All 3 of its Modesto locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office1005 W Orangeburg Ave, 95350
All hours
Mon to Fri 8 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
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J Street1419 J St, 95354
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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Sisk Road3900 Sisk Rd Ste E2, 95356
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Wells Fargo Bank · 3
Wells Fargo has 3 branches in Modesto, 769 across California and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the Modesto Main Branch at 1120 K St, dating to 1951; the newest, at 3424 Dale Rd, to 2002. All 3 of its Modesto locations with published hours open on Saturday.
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Modesto Main Branch1120 K St, 95354
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
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Vintage Faire Branch3424 Dale Rd, 95356
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
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Mchenry Avenue Branch3456 Mchenry Ave, 95350
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Bank of Stockton Bank · 2
Bank of Stockton has 2 branches in Modesto, 21 across California and 21 nationwide. FDIC records list its main office in Stockton, CA and show it operating since 1867. With $4.99 billion in total assets on June 30, 2026, it ranks No. 290 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the Modesto Branch at 1302 J St, dating to 1998; the newest, at 4204 Dale Rd, to 1999. It does not publish hours in the sources this page uses; check its site before you go.
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Modesto Branch1302 J St, 95354
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Dale Road Branch4204 Dale Rd, 95356
Citibank Bank · 2
Citibank has 2 branches in Modesto, 271 across California and 667 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1812. With $1.98 trillion in total assets on June 30, 2026, it ranks No. 3 of 4,232 U.S. banks by total assets. The Modesto-Oakdale at 1340 Oakdale Rd dates to 1919 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Modesto-Oakdale1340 Oakdale Rd, 95355
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Modesto-Mchenry2929 Mchenry Ave, 95350
Mocse Credit Union Credit union · 2
Mocse Credit Union has 2 officees in Modesto, 3 across California. It is based in Modesto, CA and $430.5 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Modesto locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office3600 Coffee Rd, 95355
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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J Street1400 J St, 95354
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Organized Labor Credit Union Credit union · 2
Organized Labor Credit Union has 2 officees in Modesto, 2 across California. It is based in Modesto, CA and $40.5 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office2112 Mchenry Ave, 95350
All hours
Mon 9 am to 4:30 pm; Tue to Wed 10 am to 3:30 pm; Thu 10 am to 4:30 pm; Fri 9:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Modesto First Credit Union430 12Th St, 95354
PNC Bank Bank · 2
PNC Bank has 2 branches in Modesto, 56 across California and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the North Mchenry Branch at 3013 Mchenry Ave, dating to 1945; the newest, at 2601 Oakdale Rd, to 2009. Its published hours do not list Saturday.
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Modesto Lakes Branch2601 Oakdale Rd, 95355
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
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North Mchenry Branch3013 Mchenry Ave, 95350
Westamerica Bank Bank · 2
Westamerica Bank has 2 branches in Modesto, 75 across California and 75 nationwide. FDIC records list its main office in San Rafael, CA and show it operating since 1884. With $5.77 billion in total assets on June 30, 2026, it ranks No. 258 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Modesto location is the Mchenry Branch at 1524 Mchenry Ave, dating to 1982; the newest, at 901 N Carpenter Rd, to 1992. It does not publish hours in the sources this page uses; check its site before you go.
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Mchenry Branch1524 Mchenry Ave, 95350
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Kansas Branch901 N Carpenter Rd, 95351
BAC Community Bank Bank · 1
BAC Community Bank has 1 branch in Modesto, 8 across California and 8 nationwide. FDIC records list its main office in Stockton, CA and show it operating since 1965. With $761.9 million in total assets on June 30, 2026, it ranks No. 1,311 of 4,232 U.S. banks by total assets. The Modesto Branch at 1625 J St dates to 1997 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Modesto Branch1625 J St, 95354
Citizens Business Bank Bank · 1
Citizens Business Bank has 1 branch in Modesto, 87 across California and 87 nationwide. FDIC records list its main office in Ontario, CA and show it operating since 1974. With $21.18 billion in total assets on June 30, 2026, it ranks No. 103 of 4,232 U.S. banks by total assets. The Modesto Business Financial Center Branch at 3801 Pelandale Ave dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Modesto Business Financial Center Branch3801 Pelandale Ave, 95356
Columbia Bank Bank · 1
Columbia Bank has 1 branch in Modesto, 105 across California and 369 nationwide. FDIC records list its main office in Roseburg, OR and show it operating since 1953. With $65.37 billion in total assets on June 30, 2026, it ranks No. 44 of 4,232 U.S. banks by total assets. The Modesto Branch at 1300 K St dates to 2004 in FDIC branch records. Its published hours do not list Saturday.
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Modesto Branch1300 K St, 95354
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Columbia Bank branch locator (All The Places), checked Oct 10, 2026
Community West Bank Bank · 1
Community West Bank has 1 branch in Modesto, 41 across California and 43 nationwide. FDIC records list its main office in Fresno, CA and show it operating since 1980. With $5.02 billion in total assets on June 30, 2026, it ranks No. 289 of 4,232 U.S. banks by total assets. The Modesto Branch at 1700 Standiford Avenue dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Modesto Branch1700 Standiford Avenue, 95350
Mechanics Bank Bank · 1
Mechanics Bank has 1 branch in Modesto, 132 across California and 169 nationwide. FDIC records list its main office in Walnut Creek, CA and show it operating since 1905. With $21.25 billion in total assets on June 30, 2026, it ranks No. 102 of 4,232 U.S. banks by total assets. The Modesto Branch at 3401 Oakdale Rd dates to 2026 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Modesto Branch3401 Oakdale Rd, 95355
Modesto's First Credit Union Credit union · 1
Modesto's First Credit Union has 1 office in Modesto, 1 across California. It is based in Modesto, CA and $72.2 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office430 12Th St, 95354
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Operating Engineers Local Union #3 Credit Union Credit union · 1
Operating Engineers Local Union #3 Credit Union has 1 office in Modesto, 21 across California. It is based in Livermore, CA and $1.65 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Modesto Branch4623 Mchenry Ave Ste B, 95356
All hours
Mon to Thu 9 am to 5 pm; Fri 9:30 am to 6 pm; Sat to Sun closed
Hours: NCUA, March 31, 2026
Self-help Credit Union Credit union · 1
Self-help Credit Union has 1 office in Modesto, 22 across California. It is based in Durham, NC and $2.41 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Modesto900 Crows Landing Rd, 95351
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu 9 am to 5 pm; Fri 10 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
the Golden 1 Credit Union Credit union · 1
the Golden 1 Credit Union has 1 office in Modesto, 63 across California. It is based in Sacramento, CA and $21.74 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Modesto2001 Mchenry Ave Ste F, 95350
All hours
Mon to Fri 10 am to 5 pm; Sat 10 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
Tri Counties Bank Bank · 1
Tri Counties Bank has 1 branch in Modesto, 77 across California and 77 nationwide. FDIC records list its main office in Chico, CA and show it operating since 1975. With $9.93 billion in total assets on June 30, 2026, it ranks No. 162 of 4,232 U.S. banks by total assets. The Modesto Branch at 3601 Pelandale Ave dates to 2011 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Modesto Branch3601 Pelandale Ave, 95356
Join a credit union in Modesto
7 credit unions have 11 offices here: Valley First Credit Union, Mocse Credit Union, Organized Labor Credit Union, the Golden 1 Credit Union, Self-help Credit Union and Operating Engineers Local Union #3 Credit Union and 1 more. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Modesto page has every office in the state's directory.
Banking in Modesto: the local picture
Short answer: 17 banks run 39 branches in Modesto according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 17 banks, 0 have their main office in Modesto, 9 elsewhere in California and 8 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Chase's office at 2900 Standiford Ave, dating to 1889; the newest is Mechanics Bank's at 3401 Oakdale Rd, from 2026.
7 credit unions have 11 offices in Modesto, according to the NCUA. Who can join each one is on the credit unions page.
Of the 30 locations with published hours. 16 open on Saturday. 20 locations have no published hours in these sources.
Banks by ZIP code in Modesto
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 95350 has the most bank and credit union offices in Modesto (14), followed by 95356 (14) and 95354 (12). Offices are spread across 5 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 95350 | 14 | 12 | Chase, Farmers & Merchants Bank of Central California, Bank of America |
| 95356 | 14 | 12 | BMO, Oak Valley Community Bank, Bank of America |
| 95354 | 12 | 12 | BAC Community Bank, BMO, Bank of America |
| 95355 | 7 | 7 | BMO, Bank of America, Chase |
| 95351 | 3 | 3 | Farmers & Merchants Bank of Central California, Self-help Credit Union, Westamerica Bank |
Banks and credit unions open on Saturday in Modesto
Short answer: 16 of the 30 Modesto locations with published hours open on Saturday, run by 7 institutions.
- Chase: 4 of 4 branches (2401 E Orangeburg Ave: Saturday 9 am to 2 pm, and 3 more)
- Bank of America: 2 of 4 branches (3401 Dale Road/600: Saturday 9 am to 4 pm, and 1 more)
- BMO: 2 of 4 branches (1401 Oakdale Rd: Saturday 9 am to 12 pm, and 1 more)
- Wells Fargo: 3 of 3 branches (1120 K St: Saturday 9 am to 2 pm, and 2 more)
- U.S. Bank: 1 of 3 branches (2008 Mchenry Ave: Saturday 9 am to 1 pm)
- Valley First Credit Union: 3 of 3 offices (1005 W Orangeburg Ave: Saturday 9 am to 2 pm, and 2 more)
- the Golden 1 Credit Union: 1 of 1 office (2001 Mchenry Ave Ste F: Saturday 10 am to 3 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 20 of the 50 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Modesto, and where the nearest one is if they do not.
Short answer: In Modesto: Chase (4), Wells Fargo (3), Bank of America (4), PNC Bank (2), U.S. Bank (3), BMO (4). No branches in Modesto: Truist, Fifth Third Bank (nearest in Pleasanton, 47 mi), Huntington, Regions Bank, TD Bank.
| Bank | In Modesto | Nearest branch if none here |
|---|---|---|
| Chase | 4 branches | here |
| Wells Fargo | 3 branches | here |
| Bank of America | 4 branches | here |
| PNC Bank | 2 branches | here |
| U.S. Bank | 3 branches | here |
| BMO | 4 branches | here |
| Truist | None | none in California |
| Fifth Third Bank | None | Pleasanton, 47 miles away |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Modesto to the nearest branch in California.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Modesto residents like anyone else.
Banks near Modesto
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Riverbank (4 miles) and Ceres (6 miles). Turlock, 14 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Riverbank, CA | 4 mi | 3 | 3 |
| Banks in Ceres, CA | 6 mi | 4 | 4 |
| Banks in Escalon, CA | 8 mi | 3 | 3 |
| Banks in Ripon, CA | 8 mi | 3 | 3 |
| Banks in Oakdale, CA | 11 mi | 6 | 7 |
| Banks in Manteca, CA | 14 mi | 10 | 12 |
| Banks in Turlock, CA | 14 mi | 13 | 17 |
| Banks in Patterson, CA | 16 mi | 5 | 5 |
Bank branch openings and closings in Modesto
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Modesto between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Jan 12, 2026 | Opened | Mechanics Bank | 3401 Oakdale Rd, 95355 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Modesto
Short answer: 4 institutions have their main office in Modesto: Valley First Credit Union, Mocse Credit Union, Organized Labor Credit Union and Modesto's First Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Valley First Credit Union | Credit union | $1.11 billion | 3 |
| Mocse Credit Union | Credit union | $430.5 million | 2 |
| Organized Labor Credit Union | Credit union | $40.5 million | 2 |
| Modesto's First Credit Union | Credit union | $72.2 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Modesto by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Modesto offices.
Short answer: Chase is the largest bank with offices in Modesto, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 4 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 4 | Charlotte, NC |
| Citibank | $1.98 trillion | No. 3 | 2 | Sioux Falls, SD |
| Wells Fargo | $1.91 trillion | No. 4 | 3 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 3 | Cincinnati, OH |
| PNC Bank | $609.77 billion | No. 8 | 2 | Wilmington, DE |
| BMO | $254.97 billion | No. 16 | 4 | Chicago, IL |
| Columbia Bank | $65.37 billion | No. 44 | 1 | Roseburg, OR |
| Mechanics Bank | $21.25 billion | No. 102 | 1 | Walnut Creek, CA |
| Citizens Business Bank | $21.18 billion | No. 103 | 1 | Ontario, CA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Modesto: FAQ
How many banks are in Modesto, CA?
Modesto has 17 banks with 39 branches and 7 credit unions with 11 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Modesto?
Chase, with 4. Bank of America has 4 and BMO has 4.
Is there a Chase in Modesto, CA?
Yes. FDIC data lists 4 Chase branches in Modesto as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a Bank of America in Modesto, CA?
Yes. FDIC data lists 4 Bank of America branches in Modesto as of September 5, 2026. Its branches are listed under Bank of America above, with the address and directions for each.
Is there a BMO in Modesto, CA?
Yes. FDIC data lists 4 BMO branches in Modesto as of September 5, 2026. Its branches are listed under BMO above, with the address and directions for each.
Which banks in Modesto are open on Saturday?
Chase, Bank of America, BMO and Wells Fargo and 3 more publish Saturday hours for one or more Modesto locations. The Saturday section above lists each one with its hours. 20 of the 50 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Modesto?
Valley First Credit Union, Mocse Credit Union, Organized Labor Credit Union and Modesto's First Credit Union have their main office in Modesto, according to the FDIC and the NCUA.
What is the oldest bank in Modesto?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Modesto?
Valley First Credit Union, Mocse Credit Union, Organized Labor Credit Union and the Golden 1 Credit Union and 3 more have offices in Modesto. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Modesto in the past year?
FDIC branch records show 1 branch opening between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Modesto?
Nearby cities with more banks include Riverbank, Ceres, Escalon. Riverbank is 4 miles away with 3 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 11 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (20 of 39 branches: BMO, Bank of America, Chase, Columbia Bank, PNC Bank, U.S. Bank and 1 more) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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