Our Story

Born here. Built here. For here.

We invest in the success of people and our community by giving back, making things easier, and committing ourselves to our members’ potential.

Deep roots in our local communities

Invested in you since 1952

Committed to helping members achieve their financial goals 

Serving tens of thousands of members and managing significant assets

Focused on communities in San Mateo County and on the peninsula

Seven branch locations and 40+ ATMs in the area

Membership is open to anyone who lives, works, worships or attends school in San Mateo County, the City of Palo Alto and certain areas of San Francisco

Be the financial services leader in the communities we serve, enabling members to thrive financially.

Passionately deliver relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.

Member-Focused: We're committed to creating meaningful member experiences, including solving their problems and aligning them to the best product possible to meet their needs. 

Collaborative: We support and value each other. Diverse backgrounds and experiences are welcomed, unique perspectives are encouraged, and growth is supported. 

Community-Oriented: We create strong partnerships with the communities we serve to achieve our common goals and to carry out our philosphy of people helping people.

At Monterra Credit Union, we believe in the bond of community—and here, those bonds run deep. That’s why we’re invested in making it stronger.

We're invested in helping members make good financial decisions, capitalize on fantastic opportunities and plan for the future. We believe a healthy financial life helps our members lead healthier lives overall.  

We take the time to build genuine relationships with members. When something happens in a member's life, good or bad, we are a trusted resource to help navigate the financial aspects of the situation. We believe the value of people as people, not people as transactions.

As part of our commitment to our community, we regularly host financial wellness workshops and seminars on topics such as money management, budgeting, understanding credit and safeguarding against identity theft. We love helping our community through these efforts.

Credit unions like Monterra are financial institutions focused on service, not profit. Credit unions offer the same financial products and services as banks, but at much greater value. When credit unions realize earnings, they are returned to members in the form of better rates on products and services, low- or no-fee products and services, and expanded services, such as adding branches or technology. We also place particular emphasis on safeguarding members' privacy at all times, and we never sell our members' information.

Other advantages include:

  • Monterra members vote in board elections and big decisions.
  • We are committed to helping improve your financial wellness.
  • We're community-based and have a special relationship within our field of membership. 
  • Your deposits are insured to the same level of federal insurance offered by banks and is backed by the full faith of the US government.

Monterra Credit Union has a strong culture based on shared values of people helping people and making a difference in the communities we serve. We are committed to supporting each other, fostering a great member experience and having a positive impact on the financial lives of our members, employees, and communities. Diversity, equity, and inclusion are critical to our success, and we value the varied backgrounds and experiences that everyone brings to our organization. 

Online Banking

Online Banking is the branch that's always open.