— in expenses

Monterra credit union is a financial cooperative serving the communities within san mateo county, city of palo alto and select neighborhoods in san francisco. We have seven branches throughout these geographical areas and a headquarters office located in redwood city, california. As of year-end 2024, we had 96,616 member-owners. We offer our members a wide array of retail financial products and services, and we provide financial education to youth and adults throughout the communities we serve. Monterra credit union offers an array of consumer financial products, including residential real estate loans, automobile loans, secured and unsecured loans, credit cards, small business loans, as well as checking, savings and certificate of deposit accounts.