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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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Welcome to Monterra Credit Union
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Membership begins by opening a Share (Savings) account. You’ll then have access to all products and services (certificates, loans, credit cards, etc.) and account access within digital banking.

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  • 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.
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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, 94122, 94124, 94132, 94134, 94116
  • 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.
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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.

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
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.
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