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Routing Number: 321174851
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Monterra Credit Union is a full-service financial institution, serving members throughout San Mateo County, the City of Palo Alto, and the San Francisco Bay Area.  Explore our personal, business and wealth management solutions, including checking accounts, savings accounts, retirement accounts, credit cards, personal loans, mortgages and much more. Bank online, through our mobile app or visit one of our conveniently located branches in San Mateo, Redwood City, Half Moon Bay, South San Francisco, East Palo Alto, and Daly City, California.

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Current Monterra Credit Union Member?

If you are a current Monterra Credit Union member, sign into Online Banking and navigate to the "Apply" dropdown menu in the main navigation bar and select the application to begin. Your personal information will be automatically filled in for you.

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New to Monterra Credit Union?

If you are new to Monterra Credit Union or you do not have Online Banking access, please start a new application. You and any joint applicant, will need to complete the application providing items such as contact information, address, employment, and valid identification.

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Welcome to Monterra Credit Union
New Members

Membership begins by opening a Share (Savings) account. Click continue to begin the application process for your new membership.

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Existing Members

Quickly add a new checking, certificate or savings account (or apply for a loan) within digital banking. Don’t have digital banking? Register here.

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Business Accounts

Please visit one of our branches. Click continue for a list of what to bring.

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Membership Eligibility

One of the following eligibility requirements must be met:

  • You live, work, worship, or attend school in San Mateo County, the City of Palo Alto, or select San Francisco zip codes: 94110, 94112, 94116, 94122, 94124, 94132, 94134
  • You are a member of or employed by one of our partner organizations or businesses.
  • You have a family member, domestic partner, or roommate that is a member of Monterra Credit Union.
Continue to Loan Application
Business Line of Credit

Thank you for your interest in a Business Line of Credit, please select your application based on the line amount being requested. For Line of Credit amounts greater than $50,000 you will be taken to a form fillable DocuSign PDF application. Please complete all required fields to submit.

Under $50K Application Over $50k Application
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New Members

Begin with a new application. Be sure to complete your and any joint applicant’s personal and financial information including contact information, address, income as well as proof of identity.

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Existing Members

Save time by logging into digital banking! Your information on record will prefill your loan application. Don’t have digital banking? Register here.

Continue

Membership Eligibility

One of the following eligibility requirements must be met:

  • You live, work, worship, or attend school in San Mateo County, the City of Palo Alto, or select San Francisco zip codes: 94110, 94112, 94116, 94122, 94124, 94132, 94134
  • You are a member of or employed by one of our partner organizations or businesses.
  • You have a family member, domestic partner, or roommate that is a member of Monterra Credit Union.
Apply Now
New Members

Begin with a new application. Be sure to complete your and any joint applicant’s personal and financial information including contact information, address, income as well as proof of identity.

Continue
Existing Members

Save time by logging into digital banking! Your information on record will prefill your loan application. Don’t have digital banking? Register here.

Continue

Membership Eligibility

One of the following eligibility requirements must be met:

  • You live, work, worship, or attend school in San Mateo County, the City of Palo Alto, or select San Francisco zip codes: 94110, 94112, 94116, 94122, 94124, 94132, 94134
  • You are a member of or employed by one of our partner organizations or businesses.
  • You have a family member, domestic partner, or roommate that is a member of Monterra Credit Union.
Apply Now
Apply Now
New Members

Begin with a new application. Be sure to complete your and any joint applicant’s personal and financial information including contact information, address, income as well as proof of identity.

Continue
Existing Members

Save time by logging into digital banking! Your information on record will prefill your loan application. Don’t have digital banking? Register here.

Continue

Membership Eligibility

One of the following eligibility requirements must be met:

  • You live, work, worship, or attend school in San Mateo County, the City of Palo Alto, or select San Francisco zip codes: 94110, 94112, 94116, 94122, 94124, 94132, 94134
  • You are a member of or employed by one of our partner organizations or businesses.
  • You have a family member, domestic partner, or roommate that is a member of Monterra Credit Union.
Two Ways To Apply
Start An Application

Begin with a new application. Be sure to complete your and any joint applicant’s personal and financial information including contact information, address, income as well as proof of identity.

Start An Application
Book An Appointment

Let us walk you through the application process. We offer appointments conveniently over the phone or via video. Book an appointment today with one of our Mortgage Experts.

Book An Appointment

Home Loan Options

Whether you’re an existing homeowner, or a first-time home buyer, we have a variety of loans such as:

  • Purchase Loans: Choose from a Fixed-Rate or Adjustable-Rate Mortgage with a variety of options.
  • Mortgage Refinance: Lower a rate, refinance to a different loan or consolidate debt.
  • Home Equity/HELOC: Make home improvements and more with a Home Equity loan or Home Equity Line of Credit.
  • Accessory Dwelling Unit (ADU): Add a guest house or additional living space to your home.
Welcome to Monterra Credit Union
New Members

Membership begins by opening a Share (Savings) account. Click continue to begin the application process for your new membership.

Continue
Existing Members

Quickly add a new checking or savings account (or apply for a loan) within digital banking. Don’t have digital banking? Register here.

Continue

Membership Eligibility

One of the following eligibility requirements must be met:

  • You live, work, worship, or attend school in San Mateo County, the City of Palo Alto, or select San Francisco zip codes: 94110, 94112, 94116, 94122, 94124, 94132, 94134
  • You are a member of or employed by one of our partner organizations or businesses.
  • You have a family member, domestic partner, or roommate that is a member of Monterra Credit Union.
Continue to Loan Application
Commercial Real Estate Loan

Thank you for your interest in a Commercial Real Estate Loan, to proceed please click the Apply button below, you will be be taken to our application. Please complete all required fields to submit. Once submitted, you will be contacted by our Commercial Loan Officer.

Apply Now
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