Monterey Credit Union is headquartered in MONTEREY and is the 106th largest credit union in the state of California. It is also the 973rd largest credit union in the nation. It was established in 1968 and as of March of 2025, it had grown to 73 employees and 19,083 members at 5 locations. Monterey Credit Union's savings rates are 8X the national average, and it has a B+ health rating.
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.
See current membership details
Overall | |
---|---|
NCUA # | 97071 |
Year Chartered | 1968 |
Employees | 73 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | -1.82% |
Return on Equity - YTD | -25.22% |
Annual Interest Income | $3.3MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $334.7MM$308.7MM |
Loans | Q1 2025vs Q1 2024 | $226.3MM$207.5MM |
Deposits | Q1 2025vs Q1 2024 | $289.8MM$263MM |
Equity Capital | Q1 2025vs Q1 2024 | $23.5MM$25.4MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $2MM$2.3MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.3MM$2.1MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.25%* | $10k* | - | Money Market | ||
OTHER TIERS: 0.03% → $0 - $2.5k | 0.05% → $2.5k - $10k | |||||
0.05% | $0 | - | Market IRA |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
8.33%* | $0 | $10k | Live Full Checking | ||
OTHER TIERS: 0.01% → $10k+ |
Monterey Credit Union Locations | ||
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Branch Office | 1566 N Main St | Salinas, CA 93906 |
Branch Office | 24560 Silver Cloud Ct Ste 204 | MONTEREY, CA 93940-6560 |
Branch Office | 501 E FRANKLIN ST | MONTEREY, CA 93940 |
Branch Office | 1760 Airline Hwy Ste H2 | Hollister, CA 95023 |
Branch Office | 26135 Carmel Rancho Blvd Ste B | Carmel, CA 93923 |