Monterra Credit Union Redwood City CA | Quick Personal Loans & Business Banking

Introduction

Welcome to Monterra, your trusted financial partner located at 575 Middlefield Rd, Redwood City, CA 94063. Since our establishment in 1952, we have been dedicated to serving our community with a range of personal and business banking solutions tailored to meet the needs of our members. With a proud membership of 96,523 and total assets exceeding $1.75 billion, we are here to support you through all your financial journeys. At Monterra, we believe in the power of community and the importance of building lasting relationships with our members. Our commitment is reflected in our robust financial standing, including total deposits of $228,479,308 and a net worth of $219,309,894. These figures highlight not just our stability but also our ability to provide you with safe and secure banking services. Whether you're looking for personal loans, mortgage refinancing, or business banking solutions, we have you covered. With over 21 dedicated employees ready to assist you, under the leadership of CEO Wade Painter and Board President John Beiers, we strive to deliver exceptional service every day. While members can visit us at our branch for face-to-face assistance or use our online platform at monterra.org for convenient banking anytime, please note that official correspondence should be sent to the same address: 575 Middlefield Rd, Redwood City, CA 94063-1623. Explore all that Monterra has to offer! Give us a call at (650) 817-1979 or visit us in person during our operating hours from 9 AM to 6 PM Monday through Friday and 9 AM to 2 PM on Saturdays. We look forward to helping you achieve your financial goals!

Branch History & Mission

Community Engagement

We understand that being part of the community means giving back. Monterra actively participates in various outreach programs and partnerships aimed at uplifting those around us. Whether it's through financial education workshops or local sponsorships, we strive to make a positive impact in Redwood City and beyond. As technology advances, we remain committed to providing modern solutions while ensuring accessibility for all members. With features like online banking, mobile payments, and ATM availability right here at our branch, managing your finances has never been easier.

Join Us

If you're looking for a credit union that truly cares about its members and the community, Monterra is here for you. Experience the benefits of membership with us today! Call us at (650) 817-1979, visit our website at Monterra, or stop by to learn more about how we can help you achieve your financial goals. We look forward to welcoming you into the Monterra family!

Our Mission

At Monterra, our mission is simple yet profound: to provide personalized financial services that enhance the lives of our members and support the growth of our community. We believe in creating opportunities for everyone whether it's helping families achieve their dream of homeownership or supporting local businesses in their endeavors. While you can visit us at 575 Middlefield Rd Redwood City Ca 94063 for all your banking needs, official correspondence should be sent to 575 Middlefield Rd, Redwood City, CA 94063-1623. Our friendly staff is always ready to assist you during our operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM.

Our Story

Starting with just a handful of dedicated individuals, Monterra has evolved into a trusted credit union with total assets exceeding $1.75 billion. Our branch is located at 575 Middlefield Rd, conveniently situated near local landmarks that make it easily accessible for our members. We pride ourselves on being more than just a financial service provider; we are an integral part of the Redwood City community. Over the decades, we've introduced various services to meet the changing needs of our members. From personal banking and auto loans to business financing options, our offerings have expanded significantly while maintaining our core mission: to serve and empower our members financially.

Branch Location & Accessibility

Welcome to Monterra's Redwood City Branch, located at 575 Middlefield Rd, nestled in the heart of Redwood City, CA. Our branch is conveniently situated near local landmarks like the San Mateo County History Museum and just a short drive from the bustling downtown area, making it easy for you to stop by and take care of your banking needs. At Monterra, we prioritize accessibility for all our members. Our branch is designed with features that accommodate everyone, including ADA-compliant entrances and ample parking spaces. Whether you're here to open a new account, apply for a loan, or simply ask a question, our friendly staff is always ready to assist you. We know your time is valuable, which is why we offer flexible operating hours. You can visit us Monday through Friday from 9 AM to 6 PM and on Saturdays from 9 AM to 2 PM. While you're here, take advantage of our convenient ATM services available at the branch perfect for quick withdrawals or balance inquiries without needing to enter the lobby. Please note that we currently do not have a drive-thru service; however, our lobby is open and welcoming to all members. If you need to send official correspondence, feel free to use our mailing address: 575 Middlefield Rd, Redwood City, CA 94063-1623. So why wait? Visit us today at Monterra's Redwood City Branch or give us a call at 650-817-1979. We look forward to serving you!

Member Eligibility

At Monterra, we believe that becoming a member is like joining a family where everyone looks out for each other. If you're looking to be part of our supportive community, you'll be glad to know that membership is open to anyone who lives, works, or worships in our local area. Whether you're a first-time account holder or someone seeking better financial services, you'll find that our welcoming environment makes it easy to get started. Plus, as a member of Monterra, you gain access to a variety of financial products and services tailored just for you. To explore the specific eligibility requirements and ensure you meet the criteria, feel free to check out our detailed information at . Once you're ready to take the next step, opening an account is straightforward just reach out to us at (650) 817-1979, or visit us at our branch located at 575 Middlefield Rd Redwood City Ca 94063. We're here to assist you on your journey towards better financial health!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a reliable partner for your payment processing needs. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. From credit card processing to online payment solutions, we offer tools that streamline your operations. This means faster payments and happier customers. Visit us at 575 Middlefield Rd, Redwood City, CA 94063 or call us at 650-817-1979 to learn how Monterra can help you thrive in today's competitive market. Your success is our mission!

Tailored Loan Options

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

ATM & Cash Withdrawal Services

With ATMs readily available at our branch and beyond, accessing cash is simple and efficient. You'll have peace of mind knowing that withdrawing cash or checking balances can be done quickly whenever needed. At Monterra, we aim to make banking as easy as possible while providing valuable services tailored just for you. If you're interested in learning more about what we offer or want assistance with any financial needs, don't hesitate to reach out! Call us today at (650) 817-1979 or visit us at 575 Middlefield Rd Redwood City Ca 94063 in Redwood City. Your financial journey starts here!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? We offer competitive auto loans and vehicle financing options. Imagine driving off in your dream car with affordable monthly payments that fit your budget. Our loan officers will work with you to find the best rates and terms available, making the process simple and straightforward.

Business Banking

For small business owners, we provide tailored business banking solutions including merchant services and business loans. If you're launching a new venture or expanding an existing one, our team can offer guidance and support that aligns with your goals.

Credit Cards with Rewards

Our credit card offerings come with rewards that benefit you. Imagine earning points for every dollar spent points that can lead to exciting travel opportunities or cash back rewards! It's just one more way we strive to make banking enjoyable and rewarding for our members.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing an existing mortgage, our team can guide you through the options available. With various mortgage products, we can help turn your homeownership dreams into reality. Picture yourself settling into your new space without the stress of complicated paperwork our experienced staff is here to help every step of the way.

Online & Mobile Banking

In today's busy world, convenience is key. With our online and mobile banking services, managing your finances has never been easier. You can check balances, transfer funds, or pay bills from anywhere all at your fingertips!

Personal Banking

Whether you're looking to open a checking or savings account, we have options that fit your lifestyle. Our personal banking services are tailored to help you manage your day-to-day finances effectively. For example, if you're planning a family vacation or saving for a new home, our accounts can help you reach those goals while earning interest on your deposits.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at you, but our personal loans are here to help when you need it most. Whether it's for medical bills, home repairs, or consolidating debt into one manageable payment, we're ready to assist. Think of us as your financial partner, helping you navigate challenges without added stress.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your balance, pay bills, and transfer funds right from your device. Need to send money to a friend? Our person-to-person transfer feature makes it simple just a few taps on your phone, and the money is on its way. Plus, with our electronic signature authorization, signing documents is quick and hassle-free. For those who prefer a paperless approach, we provide e-statements that allow you to keep track of your financial activity without the clutter of paperwork. You can easily access these statements anytime through our online platform.

Mobile Banking

Our mobile application enhances your banking experience even further. With mobile payments enabled, you can shop or dine out without worrying about carrying cash or cards. Just use your phone to make secure transactions wherever you are. At Monterra, we prioritize security while ensuring our services are user-friendly. You can feel confident knowing that your information is protected as you manage your accounts in real time. In summary, whether you're using our website or mobile app, Monterra ensures that managing your finances is both accessible and safe. Join us today and discover how easy banking can be!

Financial Strength

Commitment to Growth

With $203,198,285 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $9,552 in used auto loans and $1,420,098,349 in total loans and leases. Our operational efficiency is reflected in our $14,026,121, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 210 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

The total share accounts stand at 209,356, showing a strong and growing member base that trusts us with their finances. This reflects not only our growth but also the trust placed in us by 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 575 Middlefield Rd Redwood City Ca 94063 or call (650) 817-1979 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Solid Foundation

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. Our net worth ratio of $1,249 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

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 purchasing a brand-new model or a reliable pre-owned vehicle, we have financing options tailored to fit your budget and lifestyle.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $15,289,625 provide the capital needed for growth. We understand the unique challenges faced by businesses today and are here to support your endeavors with tailored financial solutions. At Monterra, we believe in empowering our members through accessible financial products and personalized service. If you are interested in exploring refinancing options or determining eligibility for any of our loan products, please don't hesitate to reach out. You can contact us at 650-817-1979 during our operating hours from 9 AM to 6 PM Monday through Friday and from 9 AM to 2 PM on Saturdays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at Monterra for more information about our loan offerings and how we can assist you further!

Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $54,374,038 in loans available, our credit cards help members manage their finances effectively while earning rewards along the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $139,824,385, making buying or refinancing simple. We provide guidance through every step of the process, ensuring that you feel confident and informed while making one of the biggest investments of your life.

Loan Aggregator

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Real-Time Rate Comparisons

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MONTERRA CREDIT UNION