Member Benefits

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Experience the Credit Union Difference

Credit unions differ from banks in many ways—but most importantly, we are owned by our customers, known as members. Unlike for-profit banks focused on maximizing profits for shareholders, credit unions are not-for-profit institutions dedicated to using our revenue to benefit our members. Perks of being a credit union member include competitive rates on loans and savings, reserves to ensure financial strength, and more personalized service.
50 Years of Quality Service

We've served the Central California community since 1968, and we're proud to call our 18,000+ members neighbors and friends.

We're On Your Side

Everything we do is for the benefit of our members. Let us be your partners in financial success.

We're Always Here for You

We offer the 24/7 electronic access you need with online / mobile / and ATMs.  Plus the friendly, full-service branches are available to you during normal business . World-class banking with local, personal service – That's Monterey Credit Union.

Fast Loan Approval

As a member, you can apply for a loan online, over the phone or in person, and our fast approval process ensures you'll get the money you need when you need it.

Share Insurance

The majority of credit unions insure each member up to $250,000. Monterey Credit Union, protects your money by insuring every account up to $500,000.