☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Monterra Credit Union

iAdvertiser Disclosure

Monterra Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Monterra Credit Union offer?

Monterra Credit Union CD rates are 4.00% APY for an 11 month CD, 3.25% APY for a 12 month CD, 2.50% APY for an 18 month CD, 3.75% APY for a 20 month CD, 2.75% APY for a 2 year CD, 3.75% APY for a 30 month CD, 3.00% APY for a 3 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Monterra Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Monterra Credit Union's CD 11 Month rates are at 4.00%, CD 20 Month rates are at 3.75%, CD 30 Month rates are at 3.75%, 12 Month Flex CD rates are at 3.25%, CD 36 Month rates are at 3.00%. Monterra Credit Union's savings rates are at 4.00%. Monterra Credit Union's money market rates are at 2.00%. Monterra Credit Union's checking rates are as high as 3.50%. Monterra Credit Union's Personal Loan Rates are as low as 9.99%. Monterra Credit Union's Credit Card Rates are at 12.49%. Monterra Credit Union's CD rates are 1% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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 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

Customer Reviews

Be the first to review

Write a Review

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
Share Certificate 11 Month	3.929%	4.00%	11 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 20 Month	3.687%	3.75%	20 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 30 Month	3.687%	3.75%	30 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 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 Standard rate; Flex Certificate allows 2 additional deposits and limited withdrawals; must maintain $1,000 minimum balance during term Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 36 Month	2.96%	3.00%	36 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 48 Month	2.96%	3.00%	48 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 60 Month	2.96%	3.00%	60 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times 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; IRA certificate; early IRA withdrawals may be subject to tax penalty Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 24 Month	2.472%	2.50%	24 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 18 Month	2.227%	2.25%	18 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 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 10/29/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 12 Month	1.982%	2.00%	12 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 6 Month	0.995%	1.00%	6 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 3 Month	0.499%	0.50%	3 months
Min Deposit $1,000 Details Standard rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 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 10/29/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 6 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 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
20-Month Business Share Certificate	3.687%	3.75%	20 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
30-Month Business Share Certificate	3.687%	3.75%	30 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12-month Business Flex Certificate	3.203%	3.25%	12 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
36-Month Business Share Certificate	2.96%	3.00%	36 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
48-Month Business Share Certificate	2.96%	3.00%	48 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
60-Month Business Share Certificate	2.96%	3.00%	60 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
24-Month Business Share Certificate	2.472%	2.50%	24 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
18-Month Business Share Certificate	2.227%	2.25%	18 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
12-Month Business Share Certificate	1.982%	2.00%	12 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
6-Month Business Share Certificate	0.995%	1.00%	6 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 5 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; Dividend rate effective 10/25/2026 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 6 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 Qualifications Required; Bonus (higher) APY paid on average daily balances when monthly requirements are met; Premium Savings is a variable rate account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 4 times 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; Dividend rate effective 10/25/2026 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 6 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; Dividend rate effective 10/25/2026 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.50% APY · checked 6 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; Dividend rate effective 10/25/2026 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 6 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 (lower) APY paid when Premium Savings monthly requirements are not met in their entirety Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times 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 10/29/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 1.50% APY · checked 6 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 10/29/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 6 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 $2,500 Details Balance: $0.01 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Checking Rates

Product	Rate	APY
Premium Checking	3.445%	3.50%
Min Deposit $20 Details Qualifications Required; Bonus: open a new Premium Checking account and earn up to $150; APY paid on average daily balances when all monthly requirements are met; otherwise 0% for that statement cycle; limit one Premium Checking account per membership Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50% Sep 22, 20263.50%▼ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Free Checking	0.00%	0.00%
Min Deposit $20 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Student Checking (Ages 13-17)	0.00%	0.00%
Min Deposit $20 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Business Checking Rates

Product	Rate	APY
Basic Business Checking	0.00%	0.00%
Min Deposit $100 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Nonprofit Business Checking	0.00%	0.00%
Min Deposit $100 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Premier Business Checking	0.00%	0.00%
Min Deposit $100 Last Updated 10/29/2026 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 Loan - 30 Due in 15 Years	6.75%	-	6.75%	30 Due in 15 Years
Details As Low As; Effective Date: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Home Equity Loan - 5 Years	6.875%	-	6.875%	5 Years
Details As Low As; Effective Date: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Home Equity Loan - 10 Years	7.00%	-	7.00%	10 Years
Details As Low As; Effective Date: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 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; Effective Date: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Home Equity Loan - 15 Years	7.25%	-	7.25%	15 Years
Details As Low As; Effective Date: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 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	-	-	4.74%	Up to 36 Months
Details As Low As; Vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.74% APR · checked 4 times 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 loan; vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Auto Loan	-	-	5.24%	37 - 60 Months
Details As Low As; Vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 4 times 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 loan; vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Auto Loan	-	-	5.59%	61 - 72 Months
Details As Low As; Vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Auto Loan	-	-	5.69%	73 - 84 Months
Details As Low As; Vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 5.99% → 5.69% ▼ 0.30 pts · high 5.99% / low 5.69% Oct 29, 20265.69%▼ from 5.99% Sep 22, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Auto Loan	-	-	5.69%	61 - 72 Months
Details As Low As; Used auto loan; vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 5.74% → 5.69% ▼ 0.05 pts · high 5.74% / low 5.69% Oct 29, 20265.69%▼ from 5.74% Sep 22, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Auto Loan	-	-	6.19%	85 - 96 Months
Details As Low As; Vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 6.64% → 6.19% ▼ 0.45 pts · high 6.64% / low 6.19% Oct 29, 20266.19%▼ from 6.64% Sep 22, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Auto Loan	-	-	6.24%	73 - 84 Months
Details As Low As; Used auto loan; vehicles 2017 or newer, max 125,000 miles, not exceeding 125% of J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 6.34% → 6.24% ▼ 0.10 pts · high 6.34% / low 6.24% Oct 29, 20266.24%▼ from 6.34% Sep 22, 20266.34%first recorded 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
Motorcycle Loan - New Motorcycles	-	5.49%	24 - 60 Months
Details As Low As; New motorcycles; vehicles 2017 or newer, max 100,000 miles, up to 100% of J.D Power Clean Retail Value; subject to qualification Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Motorcycle Loan - New Motorcycles	-	5.69%	61 - 72 Months
Details As Low As; New motorcycles; vehicles 2017 or newer, max 100,000 miles, up to 100% of J.D Power Clean Retail Value; subject to qualification Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.69% APR · checked 2 times 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; Rates shown are the "as low as" rate and are subject to qualification. Applies to new and used motorcycle loans 2017 or newer, max 100,000 miles, up to 100% of J.D Power Clean Retail Value. Terms available up to 60 months. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.74% APR · checked 4 times 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; Rates shown are the "as low as" rate and are subject to qualification. Applies to new and used motorcycle loans 2017 or newer, max 100,000 miles, up to 100% of J.D Power Clean Retail Value. Terms available up to 60 months. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Boat, Motor Home, and Travel Trailer Loan	-	6.79%	24 - 60 Months
Details As Low As; New vehicle; 2017 or newer, max 100,000 miles, not exceeding J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Boat, Motor Home, and Travel Trailer Loan	-	6.99%	61 - 84 Months
Details As Low As; New vehicle; 2017 or newer, max 100,000 miles, not exceeding J.D Power Clean Retail Value Last Updated 10/29/2026 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%
Used Boat, Recreational Vehicle (RV), and Travel Trailer Loan	-	7.04%	24 - 60 Months
Details As Low As; Used vehicle; 2017 or newer, max 100,000 miles Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Boat, Motor Home, and Travel Trailer Loan	-	7.19%	85 - 120 Months
Details As Low As; New vehicle; 2017 or newer, max 100,000 miles, not exceeding J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Boat, Recreational Vehicle (RV), and Travel Trailer Loan	-	7.24%	61 - 84 Months
Details As Low As; Used vehicle; 2017 or newer, max 100,000 miles Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Boat, Recreational Vehicle (RV), and Travel Trailer Loan	-	7.44%	85 - 120 Months
Details As Low As; Used vehicle; 2017 or newer, max 100,000 miles Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
New Boat, Motor Home, and Travel Trailer Loan	-	7.49%	121 - 180 Months
Details As Low As; New vehicle; 2017 or newer, max 100,000 miles, not exceeding J.D Power Clean Retail Value Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Used Boat, Recreational Vehicle (RV), and Travel Trailer Loan	-	7.74%	121 - 180 Months
Details As Low As; Used vehicle; 2017 or newer, max 100,000 miles Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	12.49%
Details Intro/promo APR: 1.99%; As Low As; Intro APR (purchases only, not balance transfers or cash advances); Regular APR: 12.49% - 18.00%; Credit Line: $500 - $25,000 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 12.24% → 12.49% ▲ 0.25 pts · high 12.49% / low 12.24% Oct 26, 202612.49%▲ from 12.24% Sep 22, 202612.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Student Visa	-	13.74%
Details Intro/promo APR: 2.99%; As Low As; Intro APR (purchases only, not balance transfers or cash advances); Regular APR: 13.74% - 18.00%; Credit Line: $100 - $2,000 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 26, 202613.74%▲ from 13.49% Sep 22, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Visa Platinum Rewards	-	13.74%
Details Intro/promo APR: 2.99%; As Low As; Intro APR (purchases only, not balance transfers or cash advances); Regular APR: 13.74% - 18.00%; Credit Line: $500 - $25,000 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 26, 202613.74%▲ from 13.49% Sep 22, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Visa Secured	-	13.74%
Details Regular APR range: 13.74% - 18.00%; Credit Line: $100 - $20,000; No intro APR; Requires 110% of credit limit held in savings as collateral Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 13.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business Rewards Visa	-	14.24%
Details Intro/promo APR: 1.99%; As Low As; Intro APR (purchases only, not balance transfers or cash advances); Regular APR: 14.24% - 18.00%; Credit Line: $500 - $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 13.99% → 14.24% ▲ 0.25 pts · high 14.24% / low 13.99% Oct 26, 202614.24%▲ from 13.99% Sep 22, 202613.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Visa Signature	-	14.74%
Details Regular APR range: 14.74% - 16.74%; Credit Line: $5,000 - $35,000; No intro APR Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 14.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Monterra Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.99%	Up to 36 Months
Details As Low As; Available $100.00 - $35,000.00; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Personal Loan	10.24%	Up to 60 Months
Details As Low As; Available $100.00 - $35,000.00; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 9.74% → 10.24% ▲ 0.50 pts · high 10.24% / low 9.74% Oct 29, 202610.24%▲ from 9.74% Sep 22, 20269.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Visa Signature	14.74%
Details Regular APR range: 14.74% - 16.74%; Credit Line: $5,000 - $35,000; No intro APR Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 14.74% APR · checked 2 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; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 6 times 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; requires active checking account Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.25% APY · checked 4 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; requires active checking account Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.45% APY · checked 4 times 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; requires active checking account; IRA certificate; early IRA withdrawals may be subject to tax penalty Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Flex Certificate	3.203%	-	3.25%
Min Deposit $1,000 Details Standard rate; Active Checking rate not applicable Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Flex Certificate	3.203%	-	3.203%
Min Deposit $1,000 Details Single rate printed without column label; APY not shown Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.25% → 3.20% ▼ 0.05 pts · high 3.25% / low 3.20% Oct 26, 20263.20%▼ from 3.25% Sep 22, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 11 Month - Active Checking	4.169%	-	4.25%	11 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 12 Month - Active Checking	2.227%	-	2.25%	12 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 18 Month - Active Checking	2.472%	-	2.50%	18 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 20 Month - Active Checking	3.929%	-	4.00%	20 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 24 Month - Active Checking	2.716%	-	2.75%	24 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 3 Month - Active Checking	0.747%	-	0.75%	3 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 30 Month - Active Checking	3.929%	-	4.00%	30 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 36 Month - Active Checking	3.203%	-	3.25%	36 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 48 Month - Active Checking	3.203%	-	3.25%	48 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 6 Month - Active Checking	1.243%	-	1.25%	6 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Share Certificate 60 Month - Active Checking	3.203%	-	3.25%	60 months
Min Deposit $1,000 Details Rate with Active Checking Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

2026 MBR Health & Safety Badge

Monterra Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/san-mateo-credit-union-rates-review-62736">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Monterra Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Monterra Credit Union

Frequently Asked Questions About Monterra Credit Union

Does Monterra Credit Union offer CDs?

Yes. Monterra Credit Union current CD rates include its CD 11 Month at 4.00% APY, its CD 20 Month at 3.75% APY and its CD 30 Month at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Monterra Credit Union NCUA insured?

Yes. Monterra Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Monterra Credit Union?

The highest Monterra Credit Union CD rate is its CD 11 Month - Active Checking at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Monterra Credit Union offer?

Monterra Credit Union CD rates are 4.00% APY for an 11 month CD, 3.25% APY for a 12 month CD, 2.50% APY for an 18 month CD, 3.75% APY for a 20 month CD, 2.75% APY for a 2 year CD, 3.75% APY for a 30 month CD, 3.00% APY for a 3 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Monterra Credit Union for its full lineup.

What is the highest savings rate at Monterra Credit Union?

The highest Monterra Credit Union savings rate is its Digital Savings at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Monterra Credit Union?

The highest Monterra Credit Union money market rate is its Business Money Market at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Monterra Credit Union?

The highest Monterra Credit Union checking rate is its Premium Checking at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Monterra Credit Union?

The lowest Monterra Credit Union auto loan rate is its New Auto Loan at 4.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Monterra Credit Union?

The lowest Monterra Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Monterra Credit Union?

The lowest Monterra Credit Union credit card APR is its Visa Platinum Credit Card at 12.49% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Monterra Credit Union rates compare?

Monterra Credit Union's CD rates are 1% lower than the MonitorBankRates national average, and it has an A+ health rating. Monterra Credit Union's top rates are its CD 11 Month - Active Checking at 4.25% APY, its Digital Savings at 4.00% APY, its Business Money Market at 2.00% APY, its Premium Checking at 3.50% APY, its Personal Loan at 9.99% APR and its Visa Platinum Credit Card at 12.49% APR, verified by MonitorBankRates on October 29, 2026.

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 November 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 Business 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

Does Monterra Credit Union offer CDs?

Are CDs from Monterra Credit Union NCUA insured?

What is the highest CD rate at Monterra Credit Union?

What CD terms does Monterra Credit Union offer?

What is the highest savings rate at Monterra Credit Union?

What is the highest money market rate at Monterra Credit Union?

What is the highest checking rate at Monterra Credit Union?

What is the lowest auto loan rate at Monterra Credit Union?

What is the lowest personal loan rate at Monterra Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Monterra Credit Union rates compare?

Current Monterra Credit Union Rates

Compare to Other Credit Unions