Monterey Credit Union

The Downtown Monterey Main Office location is 1 of 3 locations. Monterey Credit Union has been open since 1955. The credit union has assets totaling $296.16 Million and provides banking services to more than 17,000 members as of December 2022.
Membership: The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members. Membership is also open to immediate family of current members.

Downtown Monterey Main Office

501 E Franklin Street
Monterey, CA 93940
Reviews Rating:
Monterey Credit Union Reviews
Review Monterey Credit Union - Downtown Monterey Main Office
Open Today - December 9, 2022:
Lobby Hours:
   10:00 am - 5:00 pm
Phone Number:
(831) 646-5471
Mailing Address:
Monterey CU
PO Box 3288
Monterey, CA 93942

Downtown Monterey Main Office Hours

Lobby Hours

10:00 am - 5:00 pm
10:00 am - 5:00 pm
10:00 am - 5:00 pm
10:00 am - 5:00 pm
10:00 am - 5:00 pm

Monterey CU Downtown Monterey Main Office Reviews

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Downtown Monterey Main Office
501 E Franklin Street Monterey, California
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Recent Reviews
Jon A Price
October 3, 2021

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After banking at Wells Fargo, Bank of America, and now Monterey Credit Union, I must say that this credit union is OK. I give it a B for a grade. They consistently give good friendly service. At two previous banks I experienced fraud on my checking account. Someone located in the South attempted to write checks, I had never heard of them, how they got my numbers I have no idea.
Steve Petro
June 21, 2021

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I have been unable to do online banking since June 4th 2021. I am looking for new bank, I have been a satisfied customer since 1975.
Janelle Robinson
April 12, 2021

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Your On line Banking is the absolute worst. I signed in this afternoon on my phone this evening I can't log in using my computer.
My system works with my other banks and my passwords work just as when I logged in this afternoon. Why, does this happen repletely? And Then if that is not bad enough you put your letters in repletely and it tells you are not doing it right and after the 10th time...
Do not use this Credit union...their services have suffer over the last 10 years, their customer service is nothing like 20 years ago. They truly do not care.
May 6, 2020

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I've used Monterey Credit Union for over 40 years. Service is excellent. My parents also had an account with the credit union. When they passed away the credit union was very helpful in settling my parents accounts. When I received a refund check from my dad's insurance a year after I closed his account. The credit union worked with me to be able to deposit the check. I've bought a car through them, opened new accounts, closed old ones and service has always been outstanding. I highly recommend them. Great staff, always friendly!
July 29, 2019

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I recommend anyone in the Monterey area to not even BOTHER with Monterey Credit Union Had them for 6 month. Paid WAY to much with all their hidden fees. And NOW when I actually have 5 minutes to go close my account. They won’t give me MY remaining balance in my savings account because I had to suffer through their HORRIBLE service for 9 months and I closed the account “prematurely”. Love all the fees that come secretly when you decide you’ve had enough with them STEALING your money. 😡😡😡

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Frequently Asked Questions

Monterey CU savings products available include Regular Share Savings, Individual Retirement Accounts / IRAs, Money Market, and Share Certificates / CDs.

Where can I find the login for Online Banking?
Account Access through online banking is available at Monterey CU login.

Is Monterey CU Mobile Banking available?
Yes, mobile banking for members provides access to your accounts. With help getting setup, start at the website.

Are Monterey CU Auto Loans available?
Car/Truck/SUV loans are offered at competitive rates and terms. Full details available online from the website. Contact this location for a loan application or to ask about pre-approval, or payment/payoff address. Calculate Auto Loan amount with the easy online calculator.

Customer Service
Needing personal assistance? Monterey CU Contact Number (831) 647-1000.

What is the routing number for Monterey CU?
Get the routing number, assets, loans, and other financial information.

Is Monterey CU Down?

Service Status

Is Monterey CU down? Check conditions of various services from the credit union. You can also report a problem if you are experiencing an outage of one of the credit union's services. You can report downtime with virtual services, like website, online banking, and mobile app as well as traditional services for this specific Downtown Monterey Main Office location, including telephone, ATM, and the branch's physical availability.

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