Monterra Credit Union South San Francisco CA | Best Auto Loans & Business Banking

Introduction

Welcome to Monterra, your trusted financial partner in South San Francisco! Located at 150 El Camino Real, South San Francisco, CA 94080, we have been serving our community since 1952. With a commitment to providing exceptional banking services, we proudly support over 96,500 members with personalized solutions tailored to meet their financial needs. At Monterra, we believe in building strong relationships with our members. Our dedicated team of 214 employees, led by CEO Wade Painter and Board President John Beiers, is always ready to assist you. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our financial strength speaks for itself boasting total assets of an impressive $1,753,317,449 and total deposits amounting to $228,479,308. We also provide a wide range of loan options with a total of 53,304 loans and leases available to help you achieve your goals. Our net worth stands at $219,309,894, ensuring that your money is safe and sound with us. While you can visit us at our branch location for all your banking needs, any official correspondence should be directed to the same address: 150 El Camino Real, South San Francisco, CA 94080. Discover how Monterra can make a positive impact on your financial journey. Give us a call at 650-363-1758 or explore our website at monterra.org for more information. Join our family today and experience the difference!

Branch History & Mission

Community Focus

Monterra is more than just a financial institution; we are deeply invested in the well-being of our community. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us. Whether it's through educational workshops or support for local initiatives, we are dedicated to making a difference. While members can visit us at 150 El Camino Real South San Francisco Ca 94080, official correspondence should be sent to 150 El Camino Real, South San Francisco, CA 94080. Our operating hours are designed to accommodate busy schedules: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. We also offer ATM services for added convenience. In addition to traditional banking services, Monterra ensures compliance with ADA standards so that all members can access our facilities without barriers. Although we do not currently offer drive-thru banking or shared service centers, our dedicated team is always ready to assist you in person or via phone at (650) 363-1758.

Join Us Today!

As we continue this journey together with our members and community, we invite you to become part of the Monterra family. Experience firsthand how we can support your financial aspirations while working towards a brighter future for everyone in South San Francisco. Visit us today or check out our website at monterra.org for more information about becoming a member!

Mission Statement

Our mission at Monterra is simple yet powerful: to empower individuals and families through quality financial services while contributing positively to our community. We strive to provide personalized banking solutions, including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking services. We believe that everyone deserves access to sound financial guidance and resources that can help them achieve their goals.

Our Journey

Since our inception, Monterra has focused on fostering strong relationships with our members and providing them with reliable financial services. With total assets amounting to an impressive $1,753,317,449, we have become a significant player in the local economy. Our journey has been marked by milestones that reflect our commitment to growth and innovation. As we embraced technological advancements, we introduced online banking and mobile payments, ensuring that our services are convenient and user-friendly.

Branch Location & Accessibility

Welcome to Monterra, your trusted financial partner located at 150 El Camino Real in South San Francisco, CA. Our branch is conveniently situated in the heart of San Mateo County, making it easy for you to access our services. Whether you're on your way to a nearby landmark or simply running errands, stopping by for your banking needs is a breeze. At Monterra, we prioritize accessibility and convenience. Our location features ample parking, and we are proud to be ADA compliant, ensuring that all members can easily navigate our facilities. While you can visit us at this address for all your banking inquiries, please note that official correspondence should be sent to the same address: 150 El Camino Real, South San Francisco, CA 94080. Our branch operates with welcoming hours designed to fit your busy lifestyle. We're open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. If you have any questions or need assistance outside of these hours, feel free to give us a call at 650-363-1758. For added convenience, Monterra offers ATM services right at our branch. Although we currently do not have drive-thru banking available, our friendly staff is always ready to assist you inside. You'll find a variety of personal and business banking services here, including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. We invite you to stop by and see how Monterra can help you achieve your financial goals. Whether you're looking for expert advice or simply want to make a deposit, we're here for you! Come visit us today!

Member Eligibility

At Monterra, we believe that becoming a member means joining a family that supports your financial journey. If you're wondering whether you can become part of our community, the good news is that eligibility is quite inclusive! Residents and workers in San Mateo County are typically welcome to join us, making it easy for you to access our range of services tailored just for you. Plus, once you're a member, you can enjoy benefits like lower loan rates, higher savings yields, and personalized service that truly cares about your needs. To learn more about the specific criteria for membership, feel free to visit our website. And when you're ready to open an account or if you have any questions, don't hesitate to give us a call at (650) 363-1758. We can't wait to welcome you through our doors at 150 El Camino Real, South San Francisco, CA 94080!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to our loan offerings, we provide merchant services that streamline payment processing. Picture a busy retail store managing multiple transactions daily; our services help them accept payments easily, ensuring quick checkouts and happier customers. By choosing Monterra, businesses can focus on what they do best while we take care of their financial needs. Located at 150 El Camino Real South San Francisco Ca 94080 in South San Francisco, CA, we are dedicated to fostering strong relationships with local businesses. Contact us at (650) 363-1758 to learn more about how we can help your business succeed!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

For those times when you need cash quickly, Monterra provides ATM access for withdrawals and balance checks. With our ATM conveniently located at the branch and additional locations throughout the area, getting cash is quick and easy. At Monterra in South San Francisco, we're dedicated to enhancing your banking experience through comprehensive services tailored for both personal and business needs. Our friendly staff is always ready to assist you with any questions you may have regarding our offerings. If you're ready to explore what Monterra has to offer or if you want more information about specific services, don't hesitate to reach out! Call us at 650-363-1758 or visit us online at Monterra. We look forward to serving you!

Business Banking Solutions

If you're running a business, Monterra has the financial tools you need to thrive. Our business banking services include merchant services and business loans designed to support your operations. We understand the unique challenges businesses face, so our goal is to provide solutions that empower growth.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that let you manage your finances anytime, anywhere. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go with just a few taps on your smartphone.

Personal Banking Services

Our personal banking options are designed with you in mind. You can open checking and savings accounts that fit your lifestyle. For those considering a new vehicle, our auto loans and vehicle financing options are competitive and straightforward. If homeownership is on your agenda, we offer mortgage loans and refinancing solutions that can help you secure the best rates available. Life sometimes throws unexpected expenses your way; that's where our personal loans and debt consolidation services come into play. Need a little extra purchasing power? Check out our credit cards that come with rewards, making everyday purchases even more rewarding.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can access your accounts whenever you need. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Visit us at http://www.monterra.org to explore the full range of features available to you.

Secure Transactions

Your security is our priority. Our electronic signature authorization ensures that all transactions are verified and protected, giving you peace of mind every time you bank online. You can also opt for e-statements, allowing you to receive important account information directly in your inbox while helping the environment by reducing paper waste.

Stay Connected with Person-to-Person Transfers

Need to send money to a friend? With our person-to-person transfer service, sending money is fast and simple. Just a few taps on your device and the funds will be on their way! In summary, Monterra is committed to providing accessible and secure digital banking solutions tailored for your needs. Whether you're at home or on the move, our services are designed to make managing your finances convenient and straightforward. Explore more about what we offer today!

User-Friendly Mobile Application

For those who prefer banking on the go, our mobile application is here to help. It's designed to be user-friendly, making it easy for you to manage your accounts right from your smartphone. Plus, with our mobile payments feature, you can make purchases quickly and securely without fumbling for cash or cards.

Financial Strength

At Monterra, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's economic climate, having a reliable financial partner is essential. That's why we are committed to maintaining a strong and secure financial position, ensuring that we can support you every step of the way. 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 1249 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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 financial strength extends to our operational efficiency as well. Our $14,026,121 in net income reflects our ability to manage resources effectively while continuing to invest in our community. 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. With $9552 in used auto loans and over $1.42 billion in total loans and leases, our lending capacity supports members' financial goals across various sectors. Additionally, with 209356 total share accounts, it's clear that more members trust us with their finances. Our commitment to transparency means you can easily access performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 150 El Camino Real South San Francisco Ca 94080 or call 650-363-1758 to learn more about how we can help you achieve your financial goals.

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 prefer a brand-new model or a reliable used car, our financing options can help make it happen.

Business Loans

For business owners looking to expand or improve cash flow, our outstanding commercial loans totaling $15,289,625 provide the capital needed to grow. We're committed to supporting local businesses and helping them thrive. If you're considering refinancing any of your existing loans or would like to explore eligibility options for our products, please reach out to us at 650-363-1758. Our team is ready to assist you in understanding your options. At Monterra Credit Union, we believe in empowering our members through responsible lending practices. For more information on our loan products and services available at our branch office in South San Francisco (open Monday through Saturday), visit us online at monterra.org. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

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 aim to provide you with clear guidance throughout the process so that you can feel confident in your decisions.

Unsecured Credit Cards

Managing everyday expenses just got easier with our flexible unsecured credit card loans. We currently offer $54,374,038 in these loans to help members manage their finances effectively. With competitive rates and no collateral required, these cards are perfect for both unexpected costs and planned purchases.

Loan Aggregator

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MONTERRA CREDIT UNION - South San Francisco, CA

Type of Loan Offerings

Home Equity Loans

Vehicle Loans

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