NCUA Insured
Member-Owned
3 charter
Established in 1968
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Monterey, CA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
3 charter
Established in 1968
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Monterey and serves members in the CA area. Currently serving 20,142 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
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.
Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).
Burbank, CA
Valencia, CA
Santa Rosa, CA
Glendale, CA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.2
224 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsMadeline 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
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
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
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
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!
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(831) 647-1000Website
Visit WebsiteMembers
20,142
Total Assets
$357.3M
Year Opened
1968
Net Worth
Well Capitalized
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile