Monterey Credit Union

Overview / Commentary
501 E Franklin ST
Monterey, CA 93940

Monterey Credit Union is headquartered in MONTEREY and is the 108th largest credit union in the state of California. It is also the 948th largest credit union in the nation. It was established in 1968 and as of December of 2020, it had grown to 56 employees and 17,667 members at 6 locations. Monterey Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership to Monterey Credit Union is open to those who live or work in the California counties of Monterey, San Benito, Santa Clara, Santa Cruz, or San Luis Obispo.
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Health Grade Components

NCUA #97071
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD1.74%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$282.2MM$248.9MM
LoansQ4 2020vs Q4 2019$147.0MM$152.8MM
DepositsQ4 2020vs Q4 2019$237.4MM$209.3MM
Equity CapitalQ4 2020vs Q4 2019$37.8MM$36.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.5MM$1.8MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$784.00K$1.1MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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Always verify rates and promotions with the bank or credit union. We are not Monterey Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Monterey Credit Union Savings Account Rates

0.05%*$100k*-Platinum Savings
OTHER TIERS: 0.03% Up to $100k
0.03%--High Rate Savings
0.03%--Christmas Club
0.03%--Roth IRA Accumulation
0.03%--Education IRA Accumulation
0.03%--SEP IRA Accumulation
0.01%--Share Savings

Monterey Credit Union Money Market Rates

0.03%--Money Market
0.03%--Market IRA

Monterey Credit Union Checking Account Rates

2.02%*-$10kWealth Builder Checking
OTHER TIERS: 0.01% $10k+

Monterey Credit Union CD Rates

0.05%$1k-3 Month CD
0.05%$1k-6 Month CD
0.05%$1k-12 Month CD
0.05%$1k-18 Month CD
0.05%$1k-24 Month CD
0.05%$100k-30 Day Jumbo CD
0.05%$100k-60 Day Jumbo CD

Monterey Credit Union IRA Rates

0.05%$100k-30 Day Jumbo IRA
0.05%$100k-60 Day Jumbo IRA
0.05%$1k-3 Month IRA
0.05%$1k-6 Month IRA
0.05%$1k-12 Month IRA
0.05%$1k-18 Month IRA
0.05%$1k-24 Month IRA

Monterey Credit Union Locations
Branch Office1566 N Main StSalinas, CA 93906
Branch Office24560 Silver Cloud Ct Ste 204MONTEREY, CA 93940-6560
Branch Office501 E FRANKLIN STMONTEREY, CA 93940
Branch Office915 Playa Ave Ste BSand City, CA 93955
Branch Office161 Fountain AvePacific Grove, CA 93950
Branch Office1760 Airline Hwy Ste H2Hollister, CA 95023

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