I had an excellent experience working with Heather Reyes at Monterey Credit Union. From the moment I approached her desk, she was professional, welcoming, and genuinely attentive. She took the time to clearly explain my options, answered all of my questions with patience, and made sure everything was handled efficiently without ever making me feel rushed. What really stood out was her level of care and attention to detail. It's rare to come across someone who combines both strong technical knowledge and exceptional customer service so seamlessly. Heather made what could have been a routine transaction feel personalized and stress-free. Monterey Credit Union is fortunate to have someone like her representing their team. read more

Great loan service. Gina Jimenez, my loan officer was helpful and was always quick in action or replying to a message. Zach, in the Carmel branch was also helpful with calls and allowing me to pick up the check there. read more

They were extremely rude, especially the manager who was behind the tellers. I have a client in her 80s who needed cash to buy food, so I instructed her to write me a check for $100. I would go to her bank and cash it for her. She lives in Marina, and I live in Monterey. They charge me $10 to cash their client's check. The staff were profoundly rude, didn't explain anything, and never said thank you--nothing. She will be changing banks. I've never encountered that level of poor service from a bank before. It took exactly 9 minutes to cash a $100 check. read more

I'm glad I didn't listen to the overall number of stars here, and tried out MCU. I went to cash my coins at the teller, and ended up moving my auto loan with the $200 incentive and the promise to match and go a little lower than my current auto rate. Switching delays the monthly payment a few months, which was helpful at the time. The Wealth Builder Rewards checking account is pretty amazing because the current cash back rate is about 8% which is more than any CD or high interest savings account, so it's a nice way to earn money on your money if you have some funds sitting around, and hopefully it's helping other people locally get loans. The program also seems to incentivize spending locally because you have to have 25 point of sale transactions each month, which is a great way to support the local economy versus the big online corporations. Plus, all staff have been really friendly, it feels like a real diverse community bank that wants to help its members thrive over just profiting. The only annoying thing is that they'll lock my account when I add external accounts, and sometimes making payments through other institutions doesn't work. But on the plus side there are no international fees on debit card transactions when traveling! read more

Been a member for years and had good service.But thats changed alot lately.Started when they sent me a form to skip a payment .Then after filling it out and returning they called and said they wont honor it.Any good business wouldnt do this.But unfortunately its MCU .Will be changing banks this week read more

The staff is always friendly, always polite and helpful when you go into the branch. Their phone service.. are just amazing ... you never put in hold to wait for someone to pickup your call. We started at there branch on Garden Road.. must be over 40 years... the Salinas office also provide the same Serivice .. The Manage of Monterey was in the lobby. He would hole the door open when people were coming in, asking if they need assistance with their account.. while the other banks are big banks but that doesn't help them with staff acts as if they are doing you a favor... read more

Anyone looking to get an auto loan refinanced or anything else, go see Gina. She makes the process quick and easy. Gina's also great at explaining anything you don't understand! read more

every time I go in the Salinas branch the employees are very kind and proffesional. Its just the store hours I hate. I cannot deposit money into this bank in salinas because their ATM insofar as depositing cash never works. I don't know if the ones in Monterey work but it sucks becasue I have to drive to Monterey to deposit money through the ATM. Chase is open on Saturdays how come you guy can't do that. read more

Was told as a customer that there had been problems with the Monterey credit union app. They said it would be working at the end of the day that was yesterday. I had to uninstall reinstall the app. That is still not working. When I try to log in from the website, it locked me out since it's a Saturday nobody is there. To help can't see my money. Don't know where my money is.Worse service ever do not bank here. read more

Monterey Credit Union - Being assured that this problem would the fixed yesterday.And what do you know, it's saturday?And nobody's there to answer any questions. - Banks & Credit Unions Near Me - Monterey, California

Absolutely terrible experience. Wish I would hv read more reviews b4 I decided. Edna telling me she wud get bk to me..never happened. Zach jumped in to help as best he could(ty) but cud not help me w the balance transfer. It's been a total nightmare I dont recommend them at all! read more

We came in just to refinance our RV, but under the skillful knowledge of Edna Corrales, we discovered the great diversity of products available at Monterey Credit Union. Checking accounts with interest rates incomparably higher than any other bank, credit cards with the lowest APRs around and no service fees for both Savings and Checking accounts. We also met Edna's Manager Bibi, who welcomed us as Friends not just customers. The overall attitude in this Credit Union is that their clients are Family and Not Corporate numbers to add into their quarterly reports. Do yourself a favor: stop by and meet the team at Monterey Credit Union to see how they can improve your financial place in the world. read more

My daughter recently applied for an auto loan through Monterey Credit Union, and we initially worked with Zach. He approved the loan and provided us with the interest rate (7.09%), the loan term (72 months), and the maximum approved loan amount. Based on his confirmation, we proceeded to the dealership, selected a car within the approved amount, and finalized the sales contract. When we sent the completed contract back to Zach, he suddenly claimed he had made a mistake and could now only approve a lower loan amount than the one he initially committed to. This left us in an extremely difficult and stressful situation after we had already signed paperwork with the dealership, relying on his numbers. This kind of error shows a serious lack of professionalism, attention to detail, and accountability. When someone in a lending position approves a loan, customers make major financial decisions based on that approval. Having the terms changed after the fact is unacceptable and reflects poorly on Monterey Credit Union's internal review process and training. We expected better integrity and reliability from a local credit union. I strongly urge others to double-check everything in writing before making any commitments based on what this branch or representative says. read more

Zach was amazing helping me with my car loan and debt consolidation loan. He was very active and very fast. Will go back to him for my next loan. If you need financing, call Zach at Monterey Credit Union!! read more

I wanted to do a refinance loan on my Ford I made an appointment with Edna Corrales. she explained my options and we agreed to a great monthly payment and interest rate! Not only that, Ms Corrales helped me consolidate my personal loans! I am very happy with my new loan. I will recommend my friends to come over and speak with Ms. Corrales or another agent for great customer service and help! read more

Outstanding organization with amazing associates, ready to take an extra step to assist. Professionalism without a doubt!!! read more

This bank is awesome inside & out. Tellers are fluent & customer service over the phone is quick and easy.

I went in to make a deposit and there was no line. Brook was the cashier and Candice came over to help me. Both were very welcoming. You can feel a positive vibe from them working as a team. You feel comfortable.there. read more

I had a great experience here. Candice, who assisted me, was knowledgeable and professional. I highly recommend MCU.

I was assisted by Veronica Branch Manager in Salinas, CA with refinance my car loan and she immediately helped me with the process with an easy transition completing the paper work involved the same day. Also Veronica as a great positive attitude and friendliness. I appreciate you and thank you. read more

Everyone is always so helpful at this location and location in Carmel. Wanted to shine some light on Gina Jimenez who is always so helpful and cheerful. From greeting customers as they walk in to handling all their specific needs, Gina gets it done. Thank you for your amazing customer service. read more

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

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I always have a fast and easy transaction with the staff especially with Ms. Edna thank you so much for an amazing service.

I was able to save a huge amount of money and the service was amazing thanks to Edna for helping me out

Zack is very quick at responding to phone calls and emails and great at communicating. Would highly recommend doing business with him and Monterey credit union. read more

Zach was great to work with, answered all questions and made this a smooth transaction. I would highly recommend MCU for loans

Edna Corales have excellent costumer service. She is friendly, very police to help me everything's I need to be done.

Miss Gina is incredible. She is so polite and knowledgeable. We definitely will be coming back when we need help with auto loans or home equity loans. All around pleasant experience. She helped us open an account for an auto loan that was accepted and like magic in 10 minutes we signed everything. read more

Monterey Credit Union - Banks & Credit Unions Near Me - Monterey, California

The main branch is now undergoing remodeling, on top of the 'great rebranding'. Why? Still cannot get certain payments in the account on time. Interest on checking accounts is a joke. They needed to fix the back end before doing anything to the front end. read more

Friendly and very knowledgeable customer service. Smiling disposition. Excellent service. High recommendation. *****

This bank used to be amazing. Now the people never call you back or answer your questions and they cannot even do their job right not to mention they only have so many branches left and their hours don't coincide with people's work schedules. God forbid you try to refinance your car there they sat on my check for two months and did not pay off my previous loan Best to go with a different bank read more

huge thanks to gina helped me out a lot in getting a way better term and apr% on my car loan! was in and out within about an hour, made it super easy. customer service 10/10 read more

Jacky was very charismatic and very helpful when setting up my new account. Gina helped me get in and out within reason. She was very friendly:) Would definitely recommend this bank they offer many incentives . read more

Edna was extremely helpful, answered all my questions. If I didn't understand anything she made sure to break it down further for me to understand. Highly recommend getting an account at MCU and seeing Edna. read more

Recently, I moved to the Monterey area and decided to move my money, too. I figured a credit union was the way to go and I was not disappointed. Marissa Nelson and her team at Monterey Credit Union made the transition seamless. She even refinanced my auto loan! read more

Desde el principio Edna demostró amovilidad y rapidez y me ayudó con el financiamiento de mi carro y consolidación de deudas y seguiré viniendo con ella por mucho tiempo para todas mis necesidades financiera. From the beginning Edna demonstrated kindness,effinciency and rapidness in getting my auto loan and debt consolidation loan approved. I will be returning with all my financial needs with her. read more

ATM fees are huge. Most other credit unions reciprocate with each others ATMs. Not these guys. Runaway fast. read more

Upon entering the Monterey branch, I was kindly and enthusiastically greeted by the manager, Kat, who immediately introduced me to a customer service representative. This representative, Zach Dwyer, patiently explained the advantages and processes of acquiring a checking account. His professionalism and empathetic approach to my time limitations were very much appreciated. His willingness to thoroughly complete all necessary documentation, required him to work 10 minutes after the bank had closed. As a new customer of MCU, I feel like my business is valued and it will be a pleasure to refer friends and coworkers from Salinas Valley Memorial Hospital to this incredible financial institution. Kat and especially Zach are great examples of employees that really care about their clients, taking time to truly understand the needs of customers and proposing best solutions. read more

Everything needs improvement. To associates calling at 4:45pm when the bank closes at 5pm. To having your car repossessed when you have receipts posted on your loan account for every single month. No calls back in a timely manner. Horrendous customer service. Continuously say I have not made payments when the payment is posted on their payment portal! Make it make sense. They should be completely shut down for horrible business practices. Worse than Bank of America and that speaks volumes. 0 stars, would never recommend. Can't wait to be done with this place. read more

We have made a few visits to MCU and have opened various accounts with MCU including basic savings, CDs, and checking. In every interaction we have been greeting with warm welcome, had competent assistance, and employees with the patience to work with us as older, low-tech seniors. Each employee has been kind and knowledgeable, and was willing to explain in detail all the terms and features of the available accounts. read more

Monterey Credit Union has been around for years. They offer good interest rates and you can't beat getting $200 for switching your auto loan to them. Everyone is very helpful. read more