Your “Current Balance” is the amount of money in your account at the start of any day. This amount does not include any pending transactions such as a deposit, point-of-sale (POS), Automated Clearing House (ACH), check or debit withdrawal transaction. Your “Available Balance” is the current balance minus any pending debit card purchases, automatic drafts (ACH), funds on hold, processing checks or other debits to your account. Available Balance is the amount available to y  More...

Yes. You can use Bill Pay in online or mobile banking to make one-time or recurring payments directly from your Monterra account.

Domestic (U.S. destination) wires may take 12 to 72 hours to arrive at the destination financial institution. The receipt time is dependent upon the time the request was received, any weekend or holiday periods, the geographical location of the destination financial institution, and/or the number of correspondent financial institutions involved in the routing process. International (non-U.S. destination) wire transfers, once transmitted outside the United States, are no longer under the jurisdic  More...

Even though we are making use of technology to keep your account information safe as it passes over the Internet, you still play an important role in keeping your account safe. The primary information you should protect is your account number, PIN, and/or password used to access Monterra Credit Union's Internet services. You should memorize your password, do not write it down Change your passwords often. Log off when you are done and do not leave your computer unattended. When selecting a   More...

Yes, Monterra Credit Union offers a rewards program for our personal and business credit cards. Visit our Monterra Rewards page to learn more.

Yes, college students with no credit history can obtain their first credit card at Monterra Credit Union with a $100.00 credit limit, by applying for a Student Visa Credit Card with a purchase interest rate as low as 2.99% for the first 12 months. If the college student has limited income, a co-applicant may be required. Learn more about Monterra's Credit Cards >

Mobile If you're using the Monterra Mobile App, follow the steps below. For computers, go to the desktop steps Click on the “More” then “Transfer Pay” and finally “Transfer Money” Click on “Add Account” Instant Account Verification – Select this option if you can log into your online banking at the other institution. Otherwise use manual method Select the option to “Add an External Account” Search for your other fi  More...

Services for kids include: Custodial accounts, youth certificates, Student Visa Cards, Computer Loans, First-time Auto loans, student loans, and financial education via online educational material and workshops.

Monterra Credit Union offers a variety of loans for your personal and business needs. Explore the links below to learn more: Personal: Vehicle Loans Personal Loans Student Loans Credit Cards Mortgage and Home Equity Business: Term Loans Business Line of Credit Business Credit Card with Rewards Commercial Auto Loans Commercial Real Estate SBA Loans Contact Us >

Yes, our share certificates are insured. The insurance coverage limit for all account types, such as regular share, share draft, money market, and share certificates is $250,000, while insurance coverage for retirement share accounts (Traditional or Roth IRAs) is $250,000, separate from other types of accounts owned. Learn More About Savings Account Insurance >