Monterey Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.20%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.01%	Savings	Share Savings 1.00% - Ally Bank Online Savings Account
0.30%	2-year CD	24 Month CD 1.30% - Ally Bank Raise Your Rate 2-Year CD

View all Monterey Credit Union rates »

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 106^th largest credit union in the state of California. It is also the 913^th largest credit union in the nation. It was established in 1968 and as of June of 2016, it had grown to 72 employees and 18,886 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

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #	97071
Year Chartered	1968
Employees	72
Primary Regulator

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	3.46%
Annual Interest Income	$4.3MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$225.5MM$217.9MM
Loans	Q2 2016vs Q2 2015	$127.0MM$118.6MM
Deposits	Q2 2016vs Q2 2015	$188.3MM$183.1MM
Equity Capital	Q2 2016vs Q2 2015	$32.4MM$30.4MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.6MM$1.7MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$884.00K$1.2MM
Real Estate Owned	Q2 2016vs Q2 2015	$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
0.20%^*	$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 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	2750 41st Ave Ste F	Soquel, CA 95073
Branch Office	26135 Carmel Rancho Blvd Ste B5	Carmel, CA 93923