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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 109th largest credit union in the state of California. It is also the 1,012th largest credit union in the nation. It was established in 1968 and as of December of 2022, it had grown to 55 employees and 17,141 members at 4 locations. Monterey Credit Union has a B+ 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
B+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #97071
Year Chartered1968
Employees55
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.5%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$297.8MM$306.1MM
LoansQ4 2022vs Q4 2021$190.3MM$178.8MM
DepositsQ4 2022vs Q4 2021$255.5MM$266.4MM
Equity CapitalQ4 2022vs Q4 2021$27.5MM$36.7MM
Loan Loss AllowanceQ4 2022vs Q4 2021$1.1MM$1.2MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$1.1MM$1.3MM
Real Estate OwnedQ4 2022vs Q4 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
0.50%*$100k*-Platinum Savings
OTHER TIERS: 0.05% → Up to $10k | 0.25% → $10k - $100k
0.25%*$10k*-High Rate Savings
OTHER TIERS: 0.05% → Up to $10k
0.25%*$10k*-Christmas Club
OTHER TIERS: 0.03% → Up to $2.5k | 0.05% → $2.5k - $10k
0.05%*$250*-Share Savings
OTHER TIERS: 0.01% → Up to $250
0.05%--Roth IRA Accumulation
0.05%--Education IRA Accumulation
0.05%--SEP IRA Accumulation

Monterey Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Money Market
OTHER TIERS: 0.03% → Up to $2.5k | 0.05% → $2.5k - $10k
0.05%--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
0.40%$1k-24 Month CD
0.35%$1k-18 Month CD
0.30%$1k-12 Month CD
0.20%$1k-6 Month CD
0.10%$1k-3 Month CD
0.05%$100k-30 Day Jumbo CD
0.05%$100k-60 Day Jumbo CD

Monterey Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-24 Month IRA
0.35%$1k-18 Month IRA
0.30%$1k-12 Month IRA
0.20%$1k-6 Month IRA
0.10%$1k-3 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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