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Overview / Commentary
501 E Franklin ST
Monterey, CA 93940

Monterey Credit Union is headquartered in MONTEREY and is the 108th largest credit union in the state of California. It is also the 928th largest credit union in the nation. It was established in 1968 and as of December of 2017, it had grown to 63 employees and 18,265 members at 7 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 Grade Components

NCUA #97071
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD3.65%
Annual Interest Income$8.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$233.6MM$232.0MM
LoansQ4 2017vs Q4 2016$137.8MM$130.7MM
DepositsQ4 2017vs Q4 2016$197.7MM$195.5MM
Equity CapitalQ4 2017vs Q4 2016$32.5MM$31.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.7MM$1.7MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.4MM$1.2MM
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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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

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

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

Monterey Credit Union Checking Account Rates

0.01%$250-Market Checking

Monterey Credit Union CD Rates

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

0.30%*$100k*-24 Month IRA
OTHER TIERS: 0.25% $1k - $100k
0.25%*$100k*-18 Month IRA
OTHER TIERS: 0.20% $1k - $100k
0.15%*$1k*$100k12 Month IRA
OTHER TIERS: 0.10% $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

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 Office26135 Carmel Rancho Blvd Ste B5Carmel, CA 93923

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