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Monterey

PO BOX 3288, Monterey, CA 93942
NCUA Insured4.2 (224 reviews)3 charter

Verified Information

NCUA Insured

Member-Owned

3 charter

Established in 1968

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 3288

Monterey, CA 93942

Service Area

This credit union is located in Monterey and serves members in the CA area. Currently serving 20,142 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.29%

Used Auto Loan

6.79%

Personal Loan

13.49%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.2

224 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Madeline Prough

Madeline Prough

a year ago

Miss Gina is incredible. She is so polite and knowledgeable. We definitely will be coming back when we need help with auto loans or home equity loans. All around pleasant experience. She helped us open an account for an auto loan that was accepted and like magic in 10 minutes we signed everything. 👍

Marcela

Marcela

5 months ago

Don't even think about it! Horrible experience. Edna never returned my call (after she told me twice she would) Zach stepped in & assisted the best way he knew how. TY Zach. Balance transfer is still NOT resolved.

Evan Woods

Evan Woods

4 months ago

If you’re simply looking for the best go see Gina. She makes the process quick and easy, but also really easy to understand!

Brenda Espiritu

Brenda Espiritu

7 months ago

My daughter recently applied for an auto loan through Monterey Credit Union, and we initially worked with Zach Dwyer. He approved the loan and provided us with the interest rate (7.09%), the loan term (72 months), and the maximum approved loan amount. Based on his confirmation, we proceeded to the dealership, selected a car within the approved amount, and finalized the sales contract. When we sent the completed contract back to Zach, he suddenly claimed he had made a mistake and could now only approve a lower loan amount than the one he initially committed to. This left us in an extremely difficult and stressful situation after we had already signed paperwork with the dealership, relying on his numbers. This kind of error shows a serious lack of professionalism, attention to detail, and accountability. When someone in a lending position approves a loan, customers make major financial decisions based on that approval. Having the terms changed after the fact is unacceptable and reflects poorly on Monterey Credit Union's internal review process and training. We expected better integrity and reliability from a local credit union. I strongly urge others to double-check everything in writing before making any commitments based on what this branch or representative says.

Nima Savaheli

Nima Savaheli

2 years ago

Entire team in bank at Monterey credit union is amazing, it’s hard to single out anyone because they all do such a great job! I met Gina several years ago when first opening an account. She has always been more than accommodating and always takes care of my needs same day. Because of great staff this has always been my favorite bank. We have developed a lasting friendship and Gina has helped with many situations not bank related as a friend. Want to point out how great Suzette is as well! Great team at Monterey credit union!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).