I've always raved and praised Monterey credit Union, this is the second vehicle I have purchased financing through Monterey credit Union. I have always recommended friends and family and I've even gotten referral payment from Monterey credit Union by getting loved ones to sign up. I've recently fallen into hard times recently and I didn't pay my car loan for 3 months and I understand it's fair they can repossess it. which is what happened to me. The very next day of the repossession which was Monday December 22nd 2025. They repossessed the vehicle and I don't blame them for that. But what they did next was very unfair, Monterey credit Union okayed to send the car to auction after I paid the outstanding balance the very next day on the 23rd Tuesday. When I try to reach out to Monterey credit Union they tell me they will call me back and figure out how can get my vehicle back. The representative named Rose who was helping me promised to call me back on Tuesday I never heard anything back from her. Now they are telling me it is between me and the auction house when I am still financing the vehicle from Monterey credit Union while balance is fully paid. The auction house Manheim they work with manipulate you they trick you for example today, Anaheim was open I called at 11:30 and told him I need to pick my vehicle up they told me to call back 2 hours later and I called back 2 hours later they were closed, they do this because they want to keep charging you every single day they keep your vehicle. The credit union hires them to store your vehicle and then the credit union says it's out of their hand when they work alongside them which is the messed up part. Monterey credit Union doesn't care that you've been loyal to them they don't care that you are having a hard time and they definitely don't care if you catch up the very next day and pay your balance in full. I believe they work alongside these tow truck companies and auction houses to pray upon you when you were vulnerable. another stipulation they have is no same day appointments. I made it right with Monterey credit Union the very next day and Rose told me we have a bunch of cars on the same list and they haven't been picked up for months it's so strange to me that yours was picked up after one day and sent to auction. It seems really fishy to me I feel like I'm being extorted which is totally whats happening Monterey credit Union says it's between me and the auction house. Today is Friday and wanting credit union is still not helping me nor do they return my phone calls when they say they will. Monterey credit Union is telling me to come in Monday. It is well known that these auction houses and tow yards will do whatever they can to hold your vehicle hostage so you can pay extravagant fees towards them storing your vehicle. These practices should change. I totally understand that it was my fault at first for not making my payments on time and being behind but I paid the very next day all my outstanding balance outstanding balance plus the fees for the repossession towards the credit union and for them to just let you suffer. It was Monterey credit Union that okayed the tow trucks company to send my vehicle to auction the very next day it was repossessed. They wanted to make it very difficult for me so I can give up paying for my car that way they can charge me the difference when they auction it and I'm completely paid up and now I believe they're trying to keep me from being able to pick up the vehicle so I can default again because the auction house is going to charge me an extravagant amount for over a week of storage it's a scam Don't fall for their trap. Outrageous and I've always praise this credit union. Be very very careful if you do miss payments because this credit union will wreck you financially and not help you even though you pay them the very next day. I thought the credit union was for the community I always told everyone to bank at credit Unions because they help our community but when you're down and you make it right they kick you. Oh and here's the kicker too One day of repossession they sent it to Hayward and San Francisco supposedly my car is there somewhere one single day of repossession and I paid them back in full the very next day. That is a disgusting practice they really don't want me to get my car back apparently and I've already paid all the fees. It's very weird that they would okay my vehicle to be shipped to San Francisco or Hayward the very next day I paid off my balance in full that sounds like extortion to me because they refuse to give me the same day appointment to pick up my vehicle and I know they are going to try to charge me extravagant storage fees and they lie to you tell you to call back at times when they are closed and that is the auction house Monterey credit union hires called Manheim. I also have personal property in that vehicle I have never even received an itemized list of the personal property. read more

I recently had the pleasure of working with Elizabeth Nelson, the Financial Services Supervisor at Monterey Credit Union in Hollister, and I cannot speak highly enough of her exceptional service. From the moment I spoke with Elizabeth, she went above and beyond to ensure that all my needs were met, including helping me with my auto refinance. One of the standout qualities of Elizabeth's service was her willingness to answer all of my questions patiently and thoroughly. No matter how trivial or complex my inquiries were, she took the time to provide clear and concise explanations, ensuring that I had a full understanding of the financial products and services available to me. Elizabeth demonstrated remarkable dedication by promptly obtaining the necessary documents for me, even amidst my hectic schedule. Her proactive approach and attention to detail were evident in her follow-up, ensuring that nothing slipped through the cracks. When it came to my auto refinance, Elizabeth's expertise shone through as she guided me through the process seamlessly, making sure I got the best possible deal. Her professionalism, expertise, and genuine concern for her clients' well-being truly set her apart. I wholeheartedly recommend Elizabeth and Monterey Credit Union to anyone seeking top-notch financial services. read more

I recently worked with Liz Nelson at Monterey Credit Union, and I honestly couldn't have asked for a better experience. I had just graduated from college and was starting my first-ever loan to buy my first brand-new car, so the whole process felt pretty overwhelming at first. But Liz changed everything. From the very beginning, she was incredibly patient, kind, and supportive. She made what felt like a daunting process unbelievably easy to understand. Liz was always available when I needed help, and she answered every single one of my questions with clear detail. I never felt rushed or unsure, she really took the time to guide me through each step. I'm truly appreciative of how smooth she made this huge milestone for me. If you're looking to finance a car or start a loan and want someone who's both knowledgeable and kind, Liz is absolutely amazing. I can't recommend her enough! read more

Liz Nelson at Monterey Credit Union was absolutely amazing to work with. She was incredibly responsive, professional, and efficient throughout the entire process. Every question I had was answered quickly and clearly, and she made everything feel smooth and stress-free from start to finish. Liz went above and beyond to help me find the best solution for my needs, and her communication and follow-through were outstanding. It's rare to find someone who is not only knowledgeable and fast, but also genuinely kind and helpful. I truly appreciate all of her hard work and dedication, and I highly recommend Liz Nelson and Monterey Credit Union to anyone looking for exceptional customer service and support! read more

I would give them a 10 Star. If I could this company really & Truly takes care of there customer's When I was wrongfully terminated from my job this company stepped forward and helped me I spoke with ROSE awesome lady and the staff from Hollister office help me save my good standing with them I just want to say THANK YOU FOR ALL YOU DO !!!!! I WOULD RECOMMEND MONTEREY CREDIT UNION HOLLISTER CA TO ALL THANK YOU THANK YOU This company in the hollister branch are wonderful and very helpful Thank you once again for being there we my family really needed help thank you for stepping up read more