Monterra Credit Union focuses on services that meet the core needs of their local communities—such as savings, loans, and checking—rather than niche services such as foreign currency exchange, which is not used frequently by the majority of members. Currency exchange can be costly to implement and maintain, particularly for credit unions as it involves fluctuating exchange rates, counterfeit currency risks, and the need for up-to-date systems to manage conversions—adding operational burdens for relatively low volume. We support international money movement through ACH and digital means such as international wire transfers and card usage such as our Visa Signature credit card which has no foreign transaction fee.