Start your banking journey with Monterra Credit Union in the San Francisco Bay Area, San Mateo County and the city of Palo Alto, California.

Premium Checking

Your money works harder, without any fees.

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0% APR* for 12 months with $0 balance transfer fee.
  • Credit Card Balance Transfer Offer
Earn up to 4.50%APY* on an 11-month Certificate with Active Checking
  • Certificate Accounts
Earn $100 bonus when you rollover your IRA or a 401(k) with us
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Finance an electric/hybrid vehicle with us and get an additional 0.50%* discount.
  • Auto Loan Offer
Earn up to 3.75%APY* and watch your money grow.
  • Flex Certificate
Get the perfect mortgage and the perfect getaway, too.
  • Family Vacation Mortgage Sweepstakes
Special low rate of 6.99%APR for 6 months
  • Home Equity Loans & Lines of Credit
Your money makes money at a premium rate.
  • Premium Checking
Your spending, more rewarding.
  • Visa® Platinum Rewards Credit Card link
Receive 0.125% off an ARM for a new home purchase.
  • Adjustable Rate Mortgages
Low-rate vehicle loans that keep you moving.
  • Auto Loans
Celebrate With Us, International Credit Union Day
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Better rates for your best interests
Mortgages
as low as
6.11
% APR
Auto Loans
as low as
4.74
% APR
Credit Cards
as low as
1.99
% APR
Savings & Certificates
as high as
4.50
% APY
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Unexpected, meet prepared for anything

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Business
How the Federal Reserve's Rate Cut Affects Your Loans, Savings, and Credit Union Accounts
Read More about How the Federal Reserve's Rate Cut Affects Your Loans, Savings, and Credit Union Accounts
Business
Cash Flow Management: How to Improve Cash Flow?
Read More about Cash Flow Management: How to Improve Cash Flow?
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