Fall 2025

*APY= Annual PercentageYield. Redwood Savings Accounts: Minimum balance to open and earn dividends: $250,000. 3.05% APY on balances $250,000-$499,999.99; 3.30% APY on balances $500,000-$749,999.99; 3.82% APY on balances $750,000-$999,999.99; 4.34% APY on balances $1,000,000 and up. Rates are variable and can change after account opening. Fees may reduce earnings. Rates available as of 08/05/2025; subject to change without notice. AMERICAN SHARE YOUR SAVINGS INSUREDTO $500,000PER ACCOUNT INSURANCE This institution is not federally insured, or insured by any state government. For more information please visit www.montereycu.com or call us at 831.647.1000 Earn 3.05% APY on $250,000+ Earn 4.34% APY on $1,000,000+ Redwood Savings Monterey Credit Union Carmel Rancho Shopping Center 26135 Carmel Rancho Blvd. Carmel CA 93923 I would like to express my heartfelt thank you to our employees, members, and the Central Coast community for helping Monterey Credit Union celebrate our rebranding. We love serving this community and are honored to be recognized. You might have noticed a few changes with Monterey Credit Union recently. We are reinvigorating our brand with a new logo and new colors. We are keeping the name that means so much to so many (we have a fifty-six-year association with the name and serving this area), we are changing the brand to reflect the life we all get to share living in this most beautiful part of the country. The colors reflect our home - the blue of the ocean, the green of the fields, and yellow and orange of the sunset. In the middle of the logo is a compass pointing north. That is a nod to our north star, which is – Doing Right by Our Members – every day, with every interaction. This brand is meant to hold up all we are so fortunate to share – living in Central California. Our goal is to provide the best financial service to our members regard- less of the stage of their financial journey. When we accomplish that, our communities prosper, and we all thrive. That is the message behind the new tag line, Live Full ! We will help guide you in your financial journey, just enjoy this life we are given to the fullest with your friends, family, and all that you hold dear. From long-term financial planning to daily expenses and everything in between, our staff would love to help you. We recently launched our brand-new Monterey Credit Union credit cards featuring great rates, great rewards, and beautiful design. Stay tuned, we are just getting started. You will see more exciting developments in the months to come. Lastly, I would like to touch on the difference between a bank and a credit union and why that matters to you. At a credit union, we do not have shareholders. We do not have to report to Wall Street. At a credit union the members are the shareholders. YOU are the shareholders . That means, by design, credit unions are built to benefit members not a group of investors. There is a reason that people say that they are customers of a bank, but they say they belong to a credit union. I invite you. Our staff invites you. See what it means to belong at Monterey Credit Union. We are humbled to serve this great community. WADE PYRON President and CEO Monterey . Salinas . Hollister . Carmel