Credit union · Privately insured
Monterey Credit Union Credit Card Rates
Monterey Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Monterey Credit Union’s credit card rates compare
Compared with banks and credit unions near Salinas, CA, where Monterey Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Monterey Credit Union
11.99%APR
- Annual fee
- None
- Up to
- 24.99% APR
The Vineyard Card
Lowest rate
Fremont Bank
9.99%APR
- Annual fee
- $99
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
10.24%APR
- Annual fee
- None
- Up to
- 18.00% APR
Monterey Credit Union credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Monterey Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
The Coastal Card
Maximum credit limit $10,000. All loans subject to credit approval. Rates and variable rate formulas assigned depend on credit history and other factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–24.99% | None | Purchase APR varies with the market based on the Prime Rate. No annual fee. |
| Intro, 6 months | 0.00% | None | 0% Introductory APR for 6 months on balance transfers, then purchase variable APR of 11.99% to 24.99% applies based on the Prime Rate. No annual fee. |
Sources (1)
- montereycu.com/credit-card.htm · captured Oct 16, 2026
The Redwood Card
Maximum credit limit $25,000. All loans subject to credit approval. Rates and variable rate formulas assigned depend on credit history and other factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–24.99% | None | Purchase APR varies with the market based on the Prime Rate. No annual fee. |
| Intro, 6 months | 0.00% | None | 0% Introductory APR for 6 months on balance transfers, then purchase variable APR of 11.99% to 24.99% applies based on the Prime Rate. No annual fee. |
Sources (1)
- montereycu.com/credit-card.htm · captured Oct 16, 2026
The Trailblazer Card
Maximum credit limit $5,000. All loans subject to credit approval. Rates and variable rate formulas assigned depend on credit history and other factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–24.99% | None | Purchase APR varies with the market based on the Prime Rate. No annual fee. |
| Intro, 6 months | 0.00% | None | 0% Introductory APR for 6 months on balance transfers, then purchase variable APR of 11.99% to 24.99% applies based on the Prime Rate. No annual fee. |
Sources (1)
- montereycu.com/credit-card.htm · captured Oct 16, 2026
The Vineyard Card
Maximum credit limit $7,000. All loans subject to credit approval. Rates and variable rate formulas assigned depend on credit history and other factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–24.99% | None | Purchase APR varies with the market based on the Prime Rate. No annual fee. |
| Intro, 6 months | 0.00% | None | 0% Introductory APR for 6 months on balance transfers, then purchase variable APR of 11.99% to 24.99% applies based on the Prime Rate. No annual fee. |
Sources (1)
- montereycu.com/credit-card.htm · captured Oct 16, 2026
Who can join Monterey Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.