Credit union · Privately insured
Monterey Credit Union
A $357M credit union headquartered in Monterey, CA, with 21,026 members and 4 branches in California. Best rates: CDs 4.00% and savings 0.20% APY.
Monterey Credit Union Carrot Score
62
Carrot Score
Higher than 8% of U.S. banks and credit unions
#12 of 13 in Salinas, CA metroHow the score works →
Deposits are privately insured, not by the federal government.
About Monterey Credit Union
- Headquarters
- 501 E Franklin St, Monterey, CA 93940
- NCUA charter
- 97071
Branches
4 branches in California
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California
4 branches
Salinas area · 3
- Franklin OfficeMain office501 E Franklin St, Monterey, CA 93940Directions
- Carmel Branch26135 Carmel Rancho Blvd Ste B, Carmel, CA 93923Directions
- Harden Branch1566 N Main St, Salinas, CA 93906Directions
San Jose area · 1
- Hollister Branch1760 Airline Hwy Ste H2, Hollister, CA 95023Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.75% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.97% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio8.75%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.97%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Monterey Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.