Born here. Built here. For here. These words are more than just a motto—they’re a promise Monterra Credit Union has lived by since 1952. With deep roots in San Mateo County and a legacy of service, Monterra Credit Union has continually prioritized people over profit, empowering individuals and families to achieve their financial goals and lead healthier lives.
A Grateful Acknowledgement
We are proud to announce that Monterra Credit Union has been named the 2025 Best of San Mateo Area Winner in the category of Best Banks & Credit Unions. This incredible recognition is a testament to the trust and support of our members and community. From all of us at Monterra Credit Union, thank you for making us your choice—we are honored to serve you.
Invested in the Success of Our Members
At the heart of Monterra Credit Union’s philosophy is a simple but powerful mission: to passionately deliver relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals. Whether it’s helping someone buy their first home, consolidate debt, or save for a child’s college education, Monterra Credit Union stands by its members at every step of their financial journey.
Unlike traditional banks, credit unions like Monterra Credit Union are not-for-profit institutions. This means we’re built to serve, not to generate profit. Any earnings we realize go directly back to our members through better rates, lower fees, and expanded services. We also provide the same level of federal insurance on deposits as any bank, backed by the full faith of the U.S. government.
Deep Local Roots Since 1952
Monterra Credit Union has proudly served San Mateo County and the surrounding Peninsula since 1952. With seven convenient branches and over 40 ATMs in the area, we’ve made it easy for our members to access their accounts and speak directly with knowledgeable team members when they need us most. Today, we serve tens of thousands of members and manage significant assets, demonstrating both our longevity and our continued commitment to excellence.
Membership is open to anyone who lives, works, worships, or attends school in San Mateo County, the City of Palo Alto, or select areas of San Francisco. As a community-based credit union, we understand the unique needs of our local economy and work to meet those needs with tailored solutions that large, national institutions simply can’t offer.
Guided by Vision and Values
Our vision is clear: to be the financial services leader in the communities we serve, enabling members to thrive financially. Every action we take at Monterra Credit Union is guided by a core set of values:
- Member-Focused: We’re committed to creating meaningful, helpful member experiences and aligning members with the right products to meet their unique needs.
- Collaborative: We support and value each other, welcoming diverse perspectives and encouraging individual growth.
- Community-Oriented: We partner with our communities to achieve common goals and promote our “people helping people” philosophy.
Financial Wellness for All
One of the most powerful ways we serve our community is through education. Monterra Credit Union regularly hosts financial wellness workshops and seminars on critical topics like budgeting, understanding credit, identity theft protection, and smart money management. These free sessions empower our members with the knowledge they need to make informed decisions and plan confidently for the future.
We believe that financial health is foundational to overall well-being. That’s why we’re not just here for transactions—we’re here for conversations. Whether you’re celebrating a life milestone or navigating a challenge, our team is a trusted resource you can count on for support and guidance.
The Monterra Credit Union Advantage
Choosing Monterra Credit Union means choosing a credit union that’s focused on helping you thrive. Here’s what makes us different:
- Member Governance: As a member, you have a voice. You vote in board elections and help guide major decisions.
- Financial Empowerment: We’re dedicated to improving your financial health with relevant tools and personalized support.
- Local Commitment: Our relationship with our community is at the core of everything we do. We invest locally and support regional causes and initiatives.
- Privacy and Trust: We take member privacy seriously and never sell your information. Your trust is our highest priority.
A Culture of Inclusion and Support
Our internal culture at Monterra Credit Union reflects our member-focused values. We believe in “people helping people”—not just in theory, but in everyday practice. Our team is made up of passionate individuals who care deeply about serving our members and each other. We foster a workplace that emphasizes diversity, equity, and inclusion, where people of all backgrounds feel welcomed, valued, and supported.
This culture extends to our branches and the broader community. Whether you’re walking into one of our locations or attending one of our community events, you’ll immediately feel the warmth and authenticity that defines Monterra Credit Union.
Real Relationships, Real Impact
At Monterra Credit Union, we see our members as people—not numbers. We take the time to build real relationships, understand your financial story, and support your goals. It’s this personal approach that has helped us become a trusted partner for generations of families and individuals throughout San Mateo County and beyond.
Every day, we work to make things easier, more accessible, and more meaningful for our members. Whether it’s simplifying the lending process, helping someone rebuild their credit, or introducing new digital tools for convenience, we’re here to make a positive impact.
Moving Forward Together
As we look toward the future, Monterra Credit Union remains steadfast in our commitment to serving you with integrity, empathy, and excellence. We’re proud of our history, but we’re even more excited about the future we’re building—together. From enhancing our digital services to expanding our community outreach, everything we do is aimed at helping our members and our neighborhoods thrive.
To everyone who voted for us in the 2025 Best of San Mateo Area Awards—thank you. Your continued trust and support mean the world to us, and we’re honored to be recognized as the Best Bank & Credit Union in the region. We’ll keep working hard every day to earn that title and to serve you even better in the years ahead.
Join Us
Are you ready to experience the Monterra Credit Union difference? If you live, work, worship, or attend school in San Mateo County, Palo Alto, or parts of San Francisco, you’re eligible to join our growing family. Discover what it means to be part of a credit union that truly puts people first.
Visit one of our convenient branches or explore our offerings online. Let’s build something great—together.
Contact Us
We’re here to help. Reach out to us through any of the following channels:
- Phone: (650) 363-1725 or (888) 363-1725
- Website: www.monterra.org
Branch Locations
Visit any of our convenient branch locations throughout San Mateo County and the Peninsula:
- Redwood City Main Branch
575 Middlefield Road
Redwood City, CA 94063 - North Fair Oaks Branch
3117 Middlefield Road
Redwood City, CA 94063 - East Palo Alto Branch
1735 East Bayshore Road
East Palo Alto, CA 94303 - San Mateo Branch
1515 South El Camino Real
San Mateo, CA 94402 - South San Francisco Branch
150 El Camino Real
South San Francisco, CA 94080 - Westlake Branch
415 Westlake Center
Daly City, CA 94015 - Half Moon Bay Branch
40 Cabrillo Hwy North
Half Moon Bay, CA 94019
All branches can be reached at (650) 363-1725 or (888) 363-1725. For more information, visit our website at www.monterra.org.
Monterra Credit Union: Born here. Built here. For here.
