What are the current interest rates at Monterra Credit Union?

Current rates for Monterra Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.50%, 24-Month CD: 2.75%, 60-Month CD: 3.25%, Savings: 4.00%, MMA: 2.00%

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Monterra Credit Union

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Monterra Credit Union Rates & Review October 2026

Q: How many branches does Monterra Credit Union operate?

Monterra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Monterra Credit Union?

Yes, to access services at Monterra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Monterra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Monterra Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Monterra Credit Union's top rates as of October 13, 2026 are 4.25% APY on its 11 Month IRA CD, 4.00% APY on savings, 2.00% APY on money market accounts, 3.50% APY on checking, personal loans from 9.74% APR, and credit cards from 12.24% APR, according to rates verified by MonitorBankRates. Other Monterra Credit Union CD rates include 11-Month CD at 4.25%, 11 Month IRA CD at 4.00%, and 11 Month CD at 4.00%. MonitorBankRates evaluates the financial stability of Monterra Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.93%. Rates last updated and verified on 10/13/2026.

Monterra Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Monterra Credit Union? Share your experience about Monterra Credit Union by leaving a review below, or read customer reviews before you decide to use Monterra Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.93%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Monterra Credit Union
350 Convention Way

350 Convention Way
Redwood City, CA 94063

https://www.monterra.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Monterra Credit Union CD Rates

Product	Rate	APY	Term
11 Month IRA Certificate	4.169%	4.25%	11 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 13, 20264.25%▲ from 4.00% Sep 22, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
11-Month Certificate	-	4.25%	11 months
Min Deposit $1,000 Min Balance $1,000 Details Earn up to 4.25% APY on 11-month Certificates with Active Checking; Active Checking requires at least one direct deposit or ACH deposit during the monthly statement cycle Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
11 Month IRA Certificate	3.929%	4.00%	11 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
11 Month Share Certificate	3.929%	4.00%	11 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
20 Month IRA Certificate	3.929%	4.00%	20 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 13, 20264.00%▲ from 3.75% Sep 22, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
30 Month IRA Certificate	3.929%	4.00%	30 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 13, 20264.00%▲ from 3.75% Sep 22, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
20 Month IRA Certificate	3.687%	3.75%	20 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
20 Month Share Certificate	3.687%	3.75%	20 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
30 Month IRA Certificate	3.687%	3.75%	30 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
30 Month Share Certificate	3.687%	3.75%	30 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12 Month Flex Certificate	3.203%	3.25%	12 Months
Min Deposit $1,000 Details Additional deposits and limited withdrawals allowed; certificate must maintain $1,000 minimum balance during term Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
36 Month IRA Certificate	3.203%	3.25%	36 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 13, 20263.25%▲ from 3.00% Sep 22, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
48 Month IRA Certificate	3.203%	3.25%	48 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 13, 20263.25%▲ from 3.00% Sep 22, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
60 Month IRA Certificate	3.203%	3.25%	60 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 13, 20263.25%▲ from 3.00% Sep 22, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
36 Month IRA Certificate	2.96%	3.00%	36 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
36 Month Share Certificate	2.96%	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
48 Month IRA Certificate	2.96%	3.00%	48 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
48 Month Share Certificate	2.96%	3.00%	48 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
60 Month IRA Certificate	2.96%	3.00%	60 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
60 Month Share Certificate	2.96%	3.00%	60 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
24 Month IRA Certificate	2.716%	2.75%	24 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50% Oct 13, 20262.75%▲ from 2.50% Sep 22, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
18 Month IRA Certificate	2.472%	2.50%	18 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 13, 20262.50%▲ from 2.25% Sep 22, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
24 Month Add-On IRA Certificate	2.472%	2.50%	24 Months
Min Deposit $2,000 Details Standard rate Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
24 Month IRA Certificate	2.472%	2.50%	24 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
24 Month Share Certificate	2.472%	2.50%	24 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12 Month IRA Certificate	2.227%	2.25%	12 Month
Min Deposit $1,000 Details Rate with Active Checking; APY with Active Checking Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 13, 20262.25%▲ from 2.00% Sep 22, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
18 Month IRA Certificate	2.227%	2.25%	18 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
18 Month Share Certificate	2.227%	2.25%	18 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12 Month IRA Certificate	1.982%	2.00%	12 Month
Min Deposit $1,000 Details Standard Rate / Standard APY Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12 Month Share Certificate	1.982%	2.00%	12 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12 Month Youth Certificate	1.982%	2.00%	12 Months
Min Deposit $250 Details Standard rate Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
6 Month Share Certificate	0.995%	1.00%	6 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
3 Month Share Certificate	0.499%	0.50%	3 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
15 Month Registry Certificate Account	0.20%	0.20%	15 Months
Min Deposit $100 Details Standard rate Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Business CD Rates

Product	Rate	APY	Term
11-Month Business Share Certificate	3.929%	4.00%	11-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
20-Month Business Share Certificate	3.687%	3.75%	20-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
30-Month Business Share Certificate	3.687%	3.75%	30-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12-month Business Flex Certificate	3.203%	3.25%	12-month
Min Deposit $1,000 Details Flex Certificate Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
36-Month Business Share Certificate	2.96%	3.00%	36-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
48-Month Business Share Certificate	2.96%	3.00%	48-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
60-Month Business Share Certificate	2.96%	3.00%	60-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
24-Month Business Share Certificate	2.472%	2.50%	24-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
18-Month Business Share Certificate	2.227%	2.25%	18-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12-Month Business Share Certificate	1.982%	2.00%	12-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
6-Month Business Share Certificate	0.995%	1.00%	6-Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Savings Rates

Product	Rate	APY
Digital Savings	3.928%	4.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Premium Savings when requirements are met	3.687%	3.75%
Min Deposit $0 Details Bonus APY paid when monthly requirements are met: 10+ card purchases, one direct deposit/payroll/external ACH credit, and eStatements selected, on a Monterra checking account (not Business Checking) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Digital Savings	2.96%	3.00%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Digital Savings	1.49%	1.50%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 - $19,999.99 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Digital Savings	0.499%	0.50%
Min Deposit $0 Min Balance $20,000 Details Balance: $20,000.00 and above Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Health Savings Account (HSA)	0.25%	0.25%
Min Deposit $100 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
IRA Savings	0.10%	0.10%
Min Deposit $0 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Holiday Club Savings	0.05%	0.05%
Min Deposit $25 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Premium Savings when requirements are not met	0.05%	0.05%
Min Deposit $0 Details Base APY paid when monthly requirements are not met Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Regular (Share) Savings	0.05%	0.05%
Min Deposit $1 Details Minimum: $1 (share pledge) / $0 (secondary savings) Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Youth Savings	0.05%	0.05%
Min Deposit $1 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.05%	0.05%
Min Deposit $1 Details Minimum: $1 (share pledge)/ $0 (secondary savings) Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Non-Profit Business Savings	0.05%	0.05%
Min Deposit $1 Details Minimum: $1 (share pledge)/ $0 (secondary savings) Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 and above Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Checking Rates

Product	Rate	APY	View More
Premium Checking when requirements are met	3.445%	3.50%
Min Balance $20 Details Qualifications Required; Bonus: open a new Premium Checking account and earn up to $150; APY paid on average daily balances; limit one Premium Checking account per membership Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	6.75%	-	6.75%	30 Due in 15 Years
Details As Low As; Effective Date: October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Home Equity Loans	6.875%	-	6.875%	5 Years
Details As Low As; Effective Date: October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Home Equity Loans	7.00%	-	7.00%	10 Years
Details As Low As; Effective Date: October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Home Equity Line of Credit	7.25%	-	7.25%
Details As Low As; Line of credit rate calculated using an index plus a margin (Prime Rate as published in the Wall Street Journal); Effective Date: October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Home Equity Loans	7.25%	-	7.25%	15 Years
Details As Low As; Effective Date: October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - Up to 36 Months	-	-	4.74%	Up to 36 Months
Details As Low As; New auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; subject to qualification Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Auto Loan	-	-	5.00%	Up to 36 Months
Details As Low As; Used auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; APR = Annual Percentage Rate; Advertised rates are floor rates Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Auto Loan - 37 - 60 Months	-	-	5.24%	37-60 months
Details As Low As; New auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; subject to qualification Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Auto Loan	-	-	5.34%	37 - 60 Months
Details As Low As; Used auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; APR = Annual Percentage Rate; Advertised rates are floor rates Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 5.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Auto Loan - 61 - 72 Months	-	-	5.59%	61-72 months
Details As Low As; New auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; subject to qualification Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Auto Loan	-	-	5.74%	61 - 72 Months
Details As Low As; Used auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; APR = Annual Percentage Rate; Advertised rates are floor rates Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Auto Loan - 73 - 84 Months	-	-	5.99%	73-84 months
Details As Low As; New auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; subject to qualification Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Auto Loan	-	-	6.34%	73 - 84 Months
Details As Low As; Used auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; APR = Annual Percentage Rate; Advertised rates are floor rates Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 6.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Auto Loan - 85 - 96 Months	-	-	6.64%	85-96 months
Details As Low As; New auto loans for vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value; subject to qualification Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	5.49%	24 - 60 Months
Details As Low As; Rates apply to new motorcycle loans for vehicles 2017 or newer with a maximum of 100,000 miles and not exceeding 100% of J.D Power Clean Retail Value; terms up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Motorcycle Loan	-	5.69%	61 - 72 Months
Details As Low As; Rates apply to new motorcycle loans for vehicles 2017 or newer with a maximum of 100,000 miles and not exceeding 100% of J.D Power Clean Retail Value; terms up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Motorcycle Loan	-	5.74%	24 - 60 Months
Details As Low As; Used Motorcycles; Rates shown are the "as low as" rate and subject to qualification. Applies to new and used motorcycle loans 2017 or newer, max 100,000 miles, not exceeding 100% of J.D Power Clean Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Motorcycle Loan	-	5.94%	61 - 72 Months
Details As Low As; Used Motorcycles; Rates shown are the "as low as" rate and subject to qualification. Applies to new and used motorcycle loans 2017 or newer, max 100,000 miles, not exceeding 100% of J.D Power Clean Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Boat, Recreational Vehicle (RV), and Travel Trailer Loan - New Vehicle	-	6.79%	24 - 60 Months
Details As Low As; New boat, RV, and travel trailer loans; 2017 or newer, max 100,000 miles, not exceeding J.D Power Clean Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Boat, Recreational Vehicle (RV), and Travel Trailer Loan - New Vehicle	-	6.99%	61 - 84 Months
Details As Low As; New boat, RV, and travel trailer loans; 2017 or newer, max 100,000 miles, not exceeding J.D Power Clean Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Boat, Recreational Vehicle (RV), and Travel Trailer Loan - Used Vehicle	-	7.04%	24 - 60 Months
Details As Low As; Used Vehicle; 2017 or newer, max 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Boat, Recreational Vehicle (RV), and Travel Trailer Loan - New Vehicle	-	7.19%	85 - 120 Months
Details As Low As; New boat, RV, and travel trailer loans; 2017 or newer, max 100,000 miles, not exceeding J.D Power Clean Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Boat, Recreational Vehicle (RV), and Travel Trailer Loan - Used Vehicle	-	7.24%	61 - 84 Months
Details As Low As; Used Vehicle; 2017 or newer, max 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Boat, Recreational Vehicle (RV), and Travel Trailer Loan - Used Vehicle	-	7.44%	85 - 120 Months
Details As Low As; Used Vehicle; 2017 or newer, max 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Boat, Recreational Vehicle (RV), and Travel Trailer Loan - New Vehicle	-	7.49%	121 - 180 Months
Details As Low As; New boat, RV, and travel trailer loans; 2017 or newer, max 100,000 miles, not exceeding J.D Power Clean Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Boat, Recreational Vehicle (RV), and Travel Trailer Loan - Used Vehicle	-	7.74%	121 - 180 Months
Details As Low As; Used Vehicle; 2017 or newer, max 100,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	12.24%
Details Intro/promo APR: 1.99%; As Low As; Intro APR (purchases only); Regular APR: 12.24% - 18.00%; Credit Line: $500 - $25,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 12.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Student Visa	-	13.49%
Details Intro/promo APR: 2.99%; As Low As; Intro APR (purchases only); Regular APR: 13.49% - 18.00%; Credit Line: $100 - $2,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 13.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Visa Platinum Rewards	-	13.49%
Details Intro/promo APR: 2.99%; As Low As; Intro APR (purchases only); Regular APR: 13.49% - 18.00%; Credit Line: $500 - $25,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 13.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business Rewards Visa	-	13.99%
Details Intro/promo APR: 1.99%; As Low As; Intro APR (purchases only); Regular APR: 13.99% - 18.00%; Credit Line: $500 - $50,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 13.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.74%	Up to 60 Months
Details As Low As; Available: $100.00 - $35,000.00 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Tuition Loan	-	-	6.99%	Up to 60 Months
Details As Low As; Available: $500.00 - $25,000.00 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
11 Month Share Certificate - Active Checking	4.169%	-	4.25%	11 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12 Month Share Certificate - Active Checking	2.227%	-	2.25%	12 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12 Month Youth Certificate - Active Checking	2.227%	-	2.25%	12 Months
Min Deposit $250 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
15 Month Registry Certificate Account - Active Checking	0.449%	-	0.45%	15 Months
Min Deposit $100 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
18 Month Share Certificate - Active Checking	2.472%	-	2.50%	18 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
20 Month Share Certificate - Active Checking	3.929%	-	4.00%	20 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
24 Month Add-On IRA Certificate - Active Checking	2.716%	-	2.75%	24 Months
Min Deposit $2,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
24 Month Share Certificate - Active Checking	2.716%	-	2.75%	24 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
3 Month Share Certificate - Active Checking	0.747%	-	0.75%	3 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
30 Month Share Certificate - Active Checking	3.929%	-	4.00%	30 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
36 Month Share Certificate - Active Checking	3.203%	-	3.25%	36 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
48 Month Share Certificate - Active Checking	3.203%	-	3.25%	48 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
6 Month Share Certificate - Active Checking	1.243%	-	1.25%	6 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
60 Month Share Certificate - Active Checking	3.203%	-	3.25%	60 Month
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Flex Certificate	3.203%	-	3.25%
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Flex Certificate	3.203%	-	3.25%	12 Months
Min Deposit $1,000 Details Single rate shown in Share Certificate Rates table with no term or APY column; column assignment unclear Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Monterra Credit Union’s Texas Ratio rose from 1.92% in Q3 2023 to 2.93% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.9B	2.93%	5.0	A+
March 31, 2026	$1.9B	2.09%	5.0	A+
December 31, 2025	$1.9B	2.46%	5.0	A+
September 30, 2025	$1.9B	4.10%	5.0	A+
June 30, 2025	$1.8B	3.10%	5.0	A+
March 31, 2025	$1.8B	2.28%	5.0	A+
December 31, 2024	$1.8B	2.24%	5.0	A+
September 30, 2024	$1.8B	3.11%	5.0	A+
June 30, 2024	$1.7B	2.71%	5.0	A+
March 31, 2024	$1.7B	2.50%	5.0	A+
December 31, 2023	$1.7B	2.63%	5.0	A+
September 30, 2023	$1.7B	1.92%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Monterra Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Monterra Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Monterra Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Monterra Credit Union

Website https://www.monterra.org

Address 350 Convention Way, Redwood City, CA 94063

Phone 650-363-1725

Fax

President Magda Gonzalez

CEO Wade Painter

Full-Time Employees 219

Part-Time Employees 5

Branch Locations 8

ATM Locations 20

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.93%

Return on Assets (ROA)

0.4833%

Return on Equity (ROE)

3.7145%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

1,943,193,530

Total Amount of Shares and Deposits

1,664,492,874

Total Shares and Deposits < 1 Year

1,597,874,448

Total Shares and Deposits 1 3 Years

59,756,918

Total Shares and Deposits > 3 Years

6,861,507

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

114,067,506

Total Uninsured Shares and Deposits > $250K (F+J)

114,067,506

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,550,425,368

Total Interest Expense (Sum of items 6 8)

13,116,493

Share Certificates

10,125

Number of Accounts for Share Drafts

71,142

IRA KEOGH Accounts

3,025

Number of Accounts for Regular Shares

133,360

Money Market Shares

4,980

Net Income (unless the amount is already included in Undivided Earnings)

9,391,727

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

316,729,028

Total Liabilities

1,691,428,145

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Monterra Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Monterra Credit Union

How many branches does Monterra Credit Union operate?

Monterra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Monterra Credit Union?

Yes, to access services at Monterra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Monterra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Monterra Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Monterra Credit Union offer online and mobile banking?

Most modern institutions like Monterra Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.monterra.org.

Current Monterra Credit Union Rates

12-Month CD2.25%
18-Month CD2.50%
24-Month CD2.75%
60-Month CD3.25%
Savings4.00%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Monterra Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Monterra Credit Union Texas Ratio

Monterra Credit Union Health Trend

Monterra Credit Union CD Rates

Monterra Credit Union Business CD Rates

Monterra Credit Union Savings Rates

Monterra Credit Union Business Savings Rates

Monterra Credit Union Business Money Market Rates

Monterra Credit Union Checking Rates

Monterra Credit Union Home Equity & HELOC

Monterra Credit Union Auto Loan Rates

Monterra Credit Union RV, Boat and Powersport Loan Rates

Monterra Credit Union Credit Card Rates

Monterra Credit Union Personal Loan Rates

Monterra Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Monterra Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Monterra Credit Union

How many branches does Monterra Credit Union operate?

Is a member application needed to join Monterra Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Monterra Credit Union offer online and mobile banking?

Current Monterra Credit Union Rates

Compare to Other Credit Unions