Credit union · NCUA insured
Monterra Credit Union Savings Rates
Monterra Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market Plus. Rates checked October 16, 2026.
How Monterra Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where Monterra Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Monterra Credit Union
3.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $375
Premium Savings
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Monterra Credit Union savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Monterra Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Digital Savings
1.50%APY
Limited to one account per membership. Requires eStatements upon opening. $0 opening minimum deposit and $0 monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 4.00% | — |
| $5,000 – $10,000 | 3.00% | — |
| $10,000 – $20,000 | 1.50% | $150 |
| $20,000 and up | 0.50% | — |
Sources (1)
- monterra.org/rates · captured Oct 16, 2026
Premium Savings
Up to 3.75%APY
The Premium Savings Account has two APY rates: base (lower) APY and bonus (higher) APY. In order to qualify for the bonus APY, a checking account type (excluding Business Accounts) is required within the same membership account. To receive bonus APY, meet three monthly requirements: (1) 10 or more debit/credit card purchases, (2) 1 direct deposit, payroll deposit, or external ACH transfer into checking, and (3) eStatements selected.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequirements met: 10 or more card purchases (debit/credit), 1 direct deposit/payroll deposit/external ACH into checking, and eStatements selected.Any balance | 3.75% | $375 | Requirements met: 10 or more card purchases (debit/credit), 1 direct deposit/payroll deposit/external ACH into checking, and eStatements selected. |
| Any balanceBase rate paid if monthly requirements are not met.Any balance | 0.05% | $5 | Base rate paid if monthly requirements are not met. |
Sources (1)
- monterra.org/rates · captured Oct 16, 2026
Money Market Plus
2.00%APY
Membership eligibility required. Variable rate account. Pre-authorized withdrawal transaction limits apply (up to 6 maximum withdrawal transactions per month including overdraft, telephone, online, Call-24, ACH debit, allocation transfers, or up to 3 checks; unlimited in-person, ATM, mail/messenger withdrawals).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate is tiered (the more you save, the higher your rate) earning up to 2.00% APY. Variable rate subject to change after account opening.Any balance | 2.00% | $200 | Rate is tiered (the more you save, the higher your rate) earning up to 2.00% APY. Variable rate subject to change after account opening. |
Sources (2)
- monterra.org/personal/savings-…/compare-saving-accounts
- monterra.org/personal/savings-…oney-market-plus-account
All captured Oct 6, 2026
Regular (Share) Savings
0.05%APY
Minimum opening deposit of $1.00 is required to be held as membership share pledge; $0 minimum balance requirement to open a secondary Regular (Share) Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpening minimum is $1 (share pledge) for primary account / $0 for secondary savings.Any balance | 0.05% | $5 | Opening minimum is $1 (share pledge) for primary account / $0 for secondary savings. |
Sources (1)
- monterra.org/rates · captured Oct 16, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.25%APY
$100 minimum balance is needed in an HSA to open the account and to earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to open and earn interest.$100 and up | 0.25% | $25 | $100 minimum balance to open and earn interest. |
Sources (1)
- monterra.org/rates · captured Oct 16, 2026
IRA Savings
0.10%APY
$0 minimum balance to open. Early IRA withdrawals may be subject to tax penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- monterra.org/rates · captured Oct 16, 2026
Holiday Club Savings
0.05%APY
$25 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- monterra.org/rates · captured Oct 16, 2026
Youth Savings
0.05%APY
$1 minimum deposit (share pledge). For minor children/grandchildren.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
Who can join Monterra Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.