Monterra Credit Union Half Moon Bay CA | Affordable Auto Loans & ATM Services

Introduction

At Monterra, we believe in fostering a strong community spirit while providing top-notch financial services. Our Half Moon Bay Branch, located at 40 Cabrillo Hwy N, Half Moon Bay, CA 94019, has been serving our members since 1952. With a commitment to supporting our members' financial needs, we proudly boast a total membership of 96,523 and total assets amounting to an impressive $1,753,317,449. Our dedicated team is here to assist you with a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. We currently hold $228,479,308 in deposits and have issued a total of 53,304 loans and leases. This reflects our ongoing dedication to help you achieve your financial goals while ensuring that your money remains safe and accessible. Led by our experienced CEO, Wade Painter, and Board President John Beiers, our branch employs a talented staff of 214 individuals who are passionate about delivering exceptional member service. Whether you're looking for personalized banking or online convenience through our website at monterra.org, we're here for you every step of the way. While members can visit us at our branch location for face-to-face consultations or transactions during our operating hours Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM official correspondence should be sent to the same address. Join us at Monterra where community matters! Give us a call at 650-363-1725 today or visit us online to learn more about how we can assist you in reaching your financial aspirations.

Branch History & Mission

Commitment to Excellence

Monterra is dedicated to staying relevant in today's fast-paced world. We have embraced digital advancements to enhance member experience through online banking, mobile applications, and secure electronic signatures. Our commitment to accessibility ensures that all members can enjoy our services effortlessly. While members can visit us at 40 Cabrillo Hwy N, official correspondence should be sent to 40 Cabrillo Hwy N, Half Moon Bay, CA 94019 if it differs from your branch address.

Community Focus

We understand that our success is intertwined with the well-being of our community. Monterra actively participates in local events and partnerships aimed at supporting education, health initiatives, and economic growth in Half Moon Bay. We take pride in being more than just a financial institution; we strive to be a pillar of support for those around us. With convenient ATM availability and lobby hours from Monday through Saturday including extended hours on Fridays our branch is here when you need us most. Whether you're looking for guidance on your first auto loan or seeking assistance with business financing options, we are ready to help.

Join Us

We invite you to become part of the Monterra family today! Experience the benefits of membership where your needs come first, along with personalized service tailored just for you. Reach out at (650) 363-1725 or visit us online at www.monterra.org for more information about how we can assist you on your financial journey. Together, let's build a brighter future!

Our Journey

From the beginning, Monterra was founded on the principles of serving our community and providing quality financial services. Over the decades, we have expanded our offerings to include personal banking, auto loans, mortgage financing, and business banking services. With total assets now exceeding $1.75 billion, we have become a trusted partner for many families and businesses in our region. Our mission is simple yet powerful: to empower our members to achieve their financial goals while fostering a spirit of community and cooperation. We believe that everyone deserves access to affordable financial products and support that can help them thrive. By focusing on member satisfaction and community outreach initiatives, we aim to make a positive impact both inside and outside our walls.

Branch Location & Accessibility

Welcome to the Monterra Half Moon Bay Branch, located at 40 Cabrillo Hwy N, Half Moon Bay, CA 94019. Nestled in the heart of San Mateo County, our branch is easy to find and conveniently situated near local landmarks such as the picturesque Half Moon Bay State Beach and the bustling downtown area. Whether you're popping in for a quick transaction or seeking financial advice, we're here to serve you. At Monterra, we understand that accessibility is key. Our branch is designed to be welcoming for everyone, featuring ADA-compliant facilities and ample parking options. While visiting us at 40 Cabrillo Hwy N, please note that official correspondence should be directed to the same address for your convenience. We're proud to offer a range of services tailored to meet your needs from personal banking accounts and auto loans to mortgage solutions and business banking options. Our friendly team is ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. For those on the go, we also provide ATM access right at our branch, ensuring you can manage your finances quickly and easily. Although we do not have drive-thru banking available, our lobby is designed for a smooth and efficient experience. If you have questions or need assistance, don't hesitate to reach out! You can give us a call at 650-363-1725. We invite you to stop by our Half Moon Bay Branch today your journey towards better banking starts here!

Member Eligibility

At Monterra, we believe that everyone deserves a place in our community. Becoming a member is simple and welcoming! If you live, work, or worship in the area around 40 Cabrillo Hwy N Half Moon Bay Ca 94019, you're likely eligible to join us. Whether you're looking for personal banking options like checking and savings accounts or are interested in loans, being part of our credit union opens doors to better financial opportunities tailored just for you. Plus, as a member, you'll enjoy competitive rates and personalized service that make managing your finances easier and more rewarding. To find out more about the eligibility criteria, feel free to check out our detailed resource at . When you're ready to take the next step toward membership, visit us or give us a call at (650) 363-1725. We're excited to welcome you into the Monterra family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services simplify transactions for your business. Imagine being able to accept payments from customers effortlessly, enhancing their experience while boosting your sales. Whether you're at a storefront or online, our services ensure you can focus on what you do best running your business. Visit us at 40 Cabrillo Hwy N, Half Moon Bay, CA 94019, or call us at 650-363-1725 to learn how Monterra can support your business journey!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $11 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $7 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $15,289,625, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you run a business, Monterra has got your back too! We offer various business banking services including merchant services and business loans. These tools are designed to support your growth and ensure you have what you need to succeed.

Credit and Loans

For those unexpected expenses or plans that require a little extra cash, our personal loans and debt consolidation services provide an easy solution. We understand that sometimes life throws surprises your way, and we're here to help you navigate those moments. Plus, don't forget about our credit cards with rewards that can give you more for every dollar spent whether it's travel perks or cashback offers, you'll find benefits tailored just for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. With features like ATM access for cash withdrawals and balance checks, along with person-to-person payment options, handling your finances has never been easier.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed to help you manage your finances effortlessly. Imagine having the peace of mind that comes with knowing your money is secure while also earning interest on your savings. Our auto loans and vehicle financing options make it simple for you to drive away in the car you love without breaking the bank. If you're considering buying a home or refinancing your existing mortgage, our mortgage loans can help turn your dream into reality.

Visit Us Today!

We invite you to visit us at our branch located at 40 Cabrillo Hwy N, Half Moon Bay, CA 94019. You can reach us by phone at 650-363-1725 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Join us at Monterra where we are committed to serving our members with care and expertise. Experience the difference today!

Digital & Online Banking

At Monterra, we understand that managing your finances should be as easy and secure as possible. Our digital and online banking services are designed to provide you with the convenience you need, no matter where you are. With our 24/7 Online Banking Services available at http://www.monterra.org , you can access your accounts anytime. Whether you're checking your balance, making transfers, or paying bills, everything is just a few clicks away. Plus, our Mobile Application makes it even simpler to manage your finances on the go. You can easily download it and start using all its features right from your smartphone. When it comes to security, we prioritize your peace of mind. With Electronic Signature Authorization, signing documents online is not only safe but also quick. You won't have to worry about physical paperwork anymore! And if you prefer to keep track of your statements digitally, we offer E-Statements Availability so you can view and download your statements whenever needed. Our Mobile Payments Feature allows you to make purchases directly from your phone whether you're grabbing coffee or shopping online without needing cash or cards. Plus, with our Person-to-Person Transfers, sending money to friends or family has never been easier. Just a few taps on your device can get the job done. At Monterra, we're committed to making banking easy for our members while keeping it secure. Join us today to experience the benefits of modern banking that fits into your lifestyle!

Financial Strength

A Dedicated Team

At Monterra, we pride ourselves on having a dedicated team ready to serve you. With 210 full-time employees and 4 part-time employees, we ensure that you receive knowledgeable assistance whenever you need it.

Commitment to Innovation

With $203,198,285 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our ability to offer financial products tailored to your needs is part of what makes us stand out.

Growing Member Trust

Our commitment to excellence is also visible in the number of members who trust us with their finances 209,356 total share accounts showcase the strong relationship we've built within the community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Monterra is your trusted partner. Visit us at 40 Cabrillo Hwy N Half Moon Bay Ca 94019 or call (650) 363-1725 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Secure Savings Options

Members' savings are secured through $417,061,917 in share certificates and $192,305,137 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. By managing non-member deposits at $0, we keep our resources focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Base

With a net worth of $219,309,894, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation translates into peace of mind for our members. Furthermore, our net worth ratio of $1,249 demonstrates a reliable capital base, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

We are dedicated to supporting your financial journey. With $9,552 in used auto loans and $1,420,098,349 in total loans and leases, our lending capacity enables us to assist with various financial goals. Our operational efficiency is reflected in our $14,026,121, which allows us to continue offering competitive loan rates and solid financial products.

Loan Offering

Additional Lending Solutions

For business owners, our outstanding commercial loans totaling $15,289,625 provide the capital needed to grow and expand your business operations. Furthermore, our total credit lines amounting to $550,389,531 give you the flexibility to meet varying financial demands as they arise. At Monterra, our commitment goes beyond just providing loans; we aim to empower our members with the financial resources they need to thrive. If you're interested in exploring your eligibility or want more information on our products and services, please visit us at Monterra. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Feel free to reach out during our operating hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM to discuss how we can help you meet your financial goals today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $159,162,975 in used vehicle loans and $178,687,948 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new model or a reliable used vehicle, we have options tailored to fit your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $54,374,038 in loans helping members manage their finances effectively. This option is ideal for those who want to consolidate debt or need quick access to cash without collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $139,824,385, ensuring you can find a solution that meets your needs. We also provide refinancing options for existing mortgages if you're looking to lower your monthly payments or tap into your home's equity.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons through a rigorous data sourcing process. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This compliance guarantees that users receive fair and transparent offers. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for every user. With real-time rate comparisons from multiple institutions, LendMesh helps users make informed decisions about their borrowing needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the reliability and effectiveness of using LendMesh as a comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

MONTERRA CREDIT UNION