Monterey Credit Union

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A short history of Monterey CU

Since its inception in 1968 the Monterey Credit Union has been serving its members in the MONTEREY, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by J STEWART FULLER, the Monterey CU has grown its membership to over 18,522 with assets of more than $232,946,651. They have a main office and 6 branch offices. Please see the credit unions website or contact them by phone at (831) 647-1000 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MONTEREY, CA.

General Information For Monterey CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 97071
Address PO BOX 3288 
State California 
Zip-Code 93942
Phone Number (831) 647-1000
Fax Number (831) 647-1290
Email Address: none
Members 18,522 
Full-Time Employees 64 
Part-Time Employees
Number of Branch Offices
Total Assets 232,946,651 

Compare Monterey Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Central Coast CU Main Branch Seaside Office 4242 Gigling Rd 93955 (831) 393-3480 No 5.09
Coast-tel CU Main Branch 356 Main St 93902 (831) 758-3836 No 14.17
Allus Credit Union CU Salinas Branch 1410 N Main St 93906 (831) 789-8000 No 14.18
Watsonville Hospital CU Main 75 Neilson St 95076 (831) 724-8098 No 23.33
Bay CU Watsonville Branch 1481 Main St 95010 (831) 479-6000 No 26.31

Monterey Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Monterey Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 5.24 5.49 4.00 5.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 423 383 138 317
Rank Among All California Credit Unions N/A 138 133 52 102

Monterey Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.01 0.05 0.15 0.15
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 156 142 324 276
Rank Among All California Credit Unions N/A 50 52 99 86
Monterey Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 14.2506182,706,938
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.2403,19755,130,697
Used Vehicle Loans 5.4905,01452,762,314
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.000569,356,490
Total Other Real Estate Loans/Lines of Credit 5.75026712,562,587
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 12.9906544,555,049
TOTAL LOANS & LEASES 9,806137,074,075

Monterey Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 92,052,00631,350,000
    b. 15 Years or less 343,442,90581,611,200
    a. > 15 years 2237,94500
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 113,623,6341325,000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 17792,2835341,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 25011,770,304433,869,000
Open-End Fixed Rate 0000
TOTALS 32321,919,077607,496,200


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 25011,770,3043,869,000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Monterey Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes