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Overview / Commentary
831-647-1000
501 E FRANKLIN ST
MONTEREY, CA 93940

Monterey Credit Union is headquartered in MONTEREY and is the 105th largest credit union in the state of California. It is also the 898th largest credit union in the nation. It was established in 1968 and as of March of 2016, it had grown to 72 employees and 19,000 members at 8 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+

Health Grade Components

Overall
NCUA #97071
Year Chartered1968
Employees72
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD3.49%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$229.5MM$218.7MM
LoansQ1 2016vs Q1 2015$124.0MM$119.2MM
DepositsQ1 2016vs Q1 2015$193.2MM$183.5MM
Equity CapitalQ1 2016vs Q1 2015$31.9MM$30.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$1.6MM$1.7MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$926.00K$1.2MM
Real Estate OwnedQ1 2016vs Q1 2015$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
0.20%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.07%*$50k*-Money Market
OTHER TIERS: 0.05% Up to $50k

Monterey Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$250-Market Checking

Monterey Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-24 Month IRA
OTHER TIERS: 0.25% $1k - $100k
0.25%*$100k*-18 Month IRA
OTHER TIERS: 0.20% $1k - $100k
0.20%*$100k*-12 Month IRA
OTHER TIERS: 0.15% $1k - $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 Office1566 N Main StSalinas, CA 93906
Branch Office2600 Garden Rd Ste 115MONTEREY, CA 93940-5321
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
Branch Office2750 41st Ave Ste FSoquel, CA 95073
Branch Office26135 Carmel Rancho Blvd Ste B5Carmel, CA 93923