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  • Knowledge Base
  • 1. What is Monterra Credit Union's Routing Number? Views: 695 Public
    Monterra Credit Union's Routing Number is: 321174851 Use this Routing number to set up a Direct Deposit into your Monterra accounts.
  • 2. How can I find my member account number? Views: 288 Public
    There are several ways you can obtain your member account number: Call us during our normal business hours at (650) 363-1725. Visit one of our branches. Within digital banking, when logged on, you can select an account type and click the small icon below account name and to the right of the masked account number to see the full account number. For mobile banking, after selecting the account type select “Show details” and click the small icon to the right of the masked account numb  More...
  • 3. What are your Savings, Certificates, and Money Market rates? Views: 238 Public
    To get a complete listing of our Savings, Certificates and Money Market rates, please visit our rates page . We offer a variety of savings products with competitive rates! Click on the links below to learn more: Digital Savings Account - earn a higher rate on the first $5,000. Money Market Plus - earn more than a regular savings account without limiting your access. Certificates - Earn a higher rate of return than regular savings accounts with short- or long-term share certificates. Flex Certi  More...
  • 4. Why should I get my auto loan through Monterra Credit Union? Views: 204 Public
    Monterra Credit Union makes the auto buying experience as easy as possible, with a variety of options that let you choose the one that works best for you. Whether you use the services of our free personal auto shopper service, buy at one of our Pre-Owned car sale events, use the convenience of purchasing and signing the papers right at the dealership, or find a car on your own, we can provide financing with a host of features. Click the links below to explore more: Auto Loan Center First-Time A  More...
  • 5. Does Monterra Credit Union offer notary service? Views: 194 Public
    Monterra Credit Union offers notary services at most of our branches only for Monterra Credit Union documents that need to be notarized. We do not offer public notary services.
  • 6. How long does it take a wire transfer to get to where it is sent? Views: 187 Public
    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...
  • 7. How can I make deposits into my account? Views: 186 Public
    You can make deposits into your accounts in a variety of ways to your Monterra Credit Union accounts: Set up a direct deposit of your paycheck with your employer. Use our Mobile Banking app to deposit check via Mobile Deposit . Deposit checks or cash at any of our ATM Locations , including deposit taking ATMs within the CO-OP Network. Use our Move Money external transfer feature within Digital Banking. Visit one of our branches .
  • 8. What are the annual fees and interest rates of the different credit cards offered by Monterra Credit Union? Views: 182 Public
    There are no annual fees on credit cards offered by Monterra Credit Union. Interest rates will differ based on credit rating and product selected. Visit our Credit Cards page to learn more .
  • 9. What is the difference between my Current Balance, and Available Balance? Views: 181 Public
    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...
  • 10. What are the fees to send out a Domestic or International Wire? Views: 173 Public
    The transfer fee for a Domestic Outgoing Wire is $20, the transfer fee for an International Outgoing Wire is $45. Additional fees may apply as other banks involved in the funds transfer may impose additional charges. Learn More About Wires >
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.