Monterey Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.20%	1-year CD	12 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.01%	Savings	Share Savings 1.30% - Nationwide Bank Online Savings Account
0.30%	2-year CD	24 Month CD 2.25% - Synchrony Bank 24 Month CD

View all Monterey Credit Union rates »

Overview / Commentary

secure.montereycu.com

831-647-1000

501 E Franklin ST
Monterey, CA 93940

Monterey Credit Union is headquartered in MONTEREY and is the 108^th largest credit union in the state of California. It is also the 928^th largest credit union in the nation. It was established in 1968 and as of December of 2017, it had grown to 63 employees and 18,265 members at 7 locations. Monterey Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Monterey, Santa Cruz, San Luis Obispo, or Santa Clara counties.
See current membership details

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Health

A

Data as of Q4 2017

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Health Grade Components

Overall
NCUA #	97071
Year Chartered	1968
Employees	63
Primary Regulator

Profit Margin
Return on Assets - YTD	0.51%
Return on Equity - YTD	3.65%
Annual Interest Income	$8.3MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$233.6MM$232.0MM
Loans	Q4 2017vs Q4 2016	$137.8MM$130.7MM
Deposits	Q4 2017vs Q4 2016	$197.7MM$195.5MM
Equity Capital	Q4 2017vs Q4 2016	$32.5MM$31.5MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$1.7MM$1.7MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$1.4MM$1.2MM
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$250k^*	-	Platinum Savings
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $100k \| 0.15% → $100k - $250k
0.10%^*	$10k^*	-	High Rate Savings
OTHER TIERS: 0.05% → Up to $10k
0.07%^*	$50k^*	-	Christmas Club
OTHER TIERS: 0.05% → Up to $50k
0.05%	-	-	Market IRA
0.01%	-	-	Share Savings

Monterey Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.07%^*	$50k^*	-	Money Market
OTHER TIERS: 0.05% → Up to $50k

Monterey Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$250	-	Market Checking

Monterey Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$100k^*	-	24 Month CD
OTHER TIERS: 0.25% → $1k - $100k
0.25%^*	$100k^*	-	18 Month CD
OTHER TIERS: 0.20% → $1k - $100k
0.20%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.15% → $1k - $100k
0.10%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.05% → $1k - $100k
0.10%	$1k	-	6 Month CD
0.05%	$100k	-	30 Day Jumbo CD
0.05%	$100k	-	60 Day Jumbo CD

Monterey Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$100k^*	-	24 Month IRA
OTHER TIERS: 0.25% → $1k - $100k
0.25%^*	$100k^*	-	18 Month IRA
OTHER TIERS: 0.20% → $1k - $100k
0.15%^*	$1k^*	$100k	12 Month IRA
OTHER TIERS: 0.10% → $100k+
0.10%^*	$100k^*	-	3 Month IRA
OTHER TIERS: 0.05% → $1k - $100k
0.10%	$1k	-	6 Month IRA
0.05%	$100k	-	30 Day Jumbo IRA
0.05%	$100k	-	60 Day Jumbo IRA

Locations

Monterey Credit Union Locations
Branch Office	1566 N Main St	Salinas, CA 93906
Branch Office	2600 Garden Rd Ste 115	MONTEREY, CA 93940-5321
Branch Office	501 E FRANKLIN ST	MONTEREY, CA 93940
Branch Office	915 Playa Ave Ste B	Sand City, CA 93955
Branch Office	161 Fountain Ave	Pacific Grove, CA 93950
Branch Office	1760 Airline Hwy Ste H2	Hollister, CA 95023
Branch Office	26135 Carmel Rancho Blvd Ste B5	Carmel, CA 93923

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