Monterra Credit Union
Verified rate book
Current Monterra Credit Union rates
7 published offers verified as of August 4, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Mortgageother | 5.860% APR | 5.860% | — | Standard |
Auto & vehicle rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.490% APR | 4.490% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 7.000% APR | 7.000% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 1.990% APR | 1.990% | — | Advertised floor |
Savings & CD rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Flex Certificatecd | 3.25% APY | 3.25% | — | Standard |
| Premium Checkingsavings | 3.50% APY | 3.50% | — | Standard |
| Certificatecd | 3.75% APY | 3.75% | — | Standard |
As of August 4, 2026, Monterra Credit Union offers mortgage rates from 5.86% APR. Auto loans available from 4.49% APR. HELOC rates from 7% APR. Savings and certificate yields up to 3.75% APY.
Source: RateAPI.dev, verified from Monterra Credit Union's official website
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About Monterra Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 100.3K
- Assets
- $1.9B
- Founded
- 1952
- Locations reported
- 10
- NCUA charter
- 62736
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Monterra Credit Union
Membership eligibility from Monterra Credit Union's own published criteria. How we verify this.
Membership criteria are published on Monterra Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationSan Mateo County, Alameda County, Contra Costa County, Santa Clara County, San Francisco County
Verified from Monterra Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Monterra Credit Union offer?
Monterra Credit Union currently offers mortgage, Auto loan, HELOC, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Monterra Credit Union rates updated?
RateAPI verifies Monterra Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Monterra Credit Union's rate data?
Rate data is collected directly from Monterra Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Monterra Credit Union's mortgage rate?
As of August 4, 2026, Monterra Credit Union offers mortgage rates from 5.86% APR.
What are Monterra Credit Union's auto loan rates?
As of August 4, 2026, Monterra Credit Union offers auto loans from 4.49% APR.
What is Monterra Credit Union's HELOC rate?
As of August 4, 2026, Monterra Credit Union offers home equity lines of credit from 7% APR.
What is Monterra Credit Union's best CD rate?
As of August 4, 2026, Monterra Credit Union offers savings and certificate (CD) yields up to 3.75% APY.
Related Rate Data
Compare Monterra Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Monterra Credit Union rates
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# Get rates for Monterra Credit Union
curl "https://api.rateapi.dev/credit-unions/california/monterra" \
-H "Authorization: Bearer YOUR_API_KEY"