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Monterey Credit Union


Overview / Commentary
www.montereycu.com
831-647-1000
501 E Franklin ST
Monterey, CA 93940

Monterey Credit Union is headquartered in MONTEREY and is the 110th largest credit union in the state of California. It is also the 1,011th largest credit union in the nation. It was established in 1968 and as of June of 2022, it had grown to 58 employees and 17,184 members at 4 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
A

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #97071
Year Chartered1968
Employees58
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.04%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$293.8MM$291.2MM
LoansQ2 2022vs Q2 2021$185.4MM$162.7MM
DepositsQ2 2022vs Q2 2021$261.2MM$251.0MM
Equity CapitalQ2 2022vs Q2 2021$30.3MM$37.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.2MM$1.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$640.00K$1.2MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$10k*-High Rate Savings
OTHER TIERS: 0.03% → Up to $10k
0.05%*$10k*-Platinum Savings
OTHER TIERS: 0.03% → Up to $10k
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%--Money Market
0.03%--Market IRA

Monterey Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$10kWealth Builder Checking
OTHER TIERS: 0.01% → $10k+

Monterey Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$1k-24 Month CD
0.15%$1k-18 Month CD
0.10%$1k-12 Month CD
0.05%$1k-3 Month CD
0.05%$1k-6 Month CD
0.05%$100k-30 Day Jumbo CD
0.05%$100k-60 Day Jumbo CD

Monterey Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$1k-24 Month IRA
0.15%$1k-18 Month IRA
0.10%$1k-12 Month IRA
0.05%$1k-3 Month IRA
0.05%$1k-6 Month IRA
Locations


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 Office1760 Airline Hwy Ste H2Hollister, CA 95023

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