Monterra Credit Union's Routing Number is: 321174851 Use this Routing number to set up a Direct Deposit into your Monterra accounts.

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...

To become a member, one of the following eligibility requirements must be met: You live, work, worship, or attend school in San Mateo County, the City of Palo Alto, or select San Francisco zip codes: 94110, 94112, 94116, 94122, 94124, 94132, 94134 You are a member of or employed by one of our partner organizations or businesses . You have a family member, domestic partner, or roommate that is a member of Monterra Credit Union. Open an Account >

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...

Monterra Credit Union has a variety of Text Alert programs that use different short codes depending on the alert. The following short codes are used by Monterra and we recommend you store and save these short codes in your mobile phone. General Inquires/New Accounts: 94701 Debit/Credit Fraud Alerts: 23618 Card Manager Alerts: 288472 Digital Banking Alerts: 67669 Lending Center and Loan Applications: 39703 Financial Assistance and Payment Reminders: 97612 If you receive a message from a short co  More...

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 .

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 .

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 operat  More...

Prior to submitting a dispute, please review the following: A dispute/charge error is a transaction you may recognize but appears incorrect. Some common examples of disputed transactions include: A recurring transaction or trial subscription that you had canceled. The product or service was never received or received late. You are dissatisfied with the product or service. You returned or canceled the purchase, but still have not received credit. The amount charged is higher than the amount on t  More...

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.