ALL U.S. Credit Union - Positively Different

What's New at allU.S. Credit Union

Tis the Season for Holiday Loans!

Cozy up to a Holiday Loan starting at 6.0% APR*

  • Loan amounts up to $1500
  • Flexible terms up to 12 months
  • Easy and affordable monthly payments

Merry Moola from allUS Credit Union!

Apply Today!

Low Rate Home Equity Loan

When life's expenses threaten to put a hole in your budget, turn to allU.S. Credit Union for help. We'll give your finances a solid footing with our low-rate home equity loan. Use it to repair your home, pay tuition, consolidate debt and more!

  • Rates as low as 5.00% APR*
  • Save up to $1,200 in loan fees (no application, processing or notary fees)
  • 0 points
  • Title fees can be included in the loan amount
  • Loan can be completed within 30 days of approval
  • Credit up to $250 of appraisal fee
  • All loans are serviced locally

For additional details, email, call 831-789-8020 or visit Act now!

*View our flyer for more details and disclaimers

Green Business Certification Award

We are proud to announce that allU.S. Credit Union has been awarded the Green Business Certification by the Monterey Bay Area Green Business program for exceeding environmental regulatory requirements, preventing pollution, and conserving natural resources.

Read our press release

Community Room Available For Local Non-Profits

We're Making Room For Our Local Non-Profits

In support of our community's non-profit organizations, we're offering our community room!

AllU.S. needed a new branch, but our community also needed space, so when we expanded, we built a community room for local organizations!

Learn more

Loyalty Loan Program

At allU.S. Credit Union we're dedicated to providing the tools, resources and expertise that will empower your financial success. Don't think you're the only one who may have less than perfect credit. You're not alone. That shouldn't mean you couldn't qualify to buy a vehicle, consolidate debt or get a personal loan. That's why we've developed our Loyalty Loan Program for those individuals who have blemished credit scores and are having a difficult time qualifying for a loan.

Learn more about this program

Open the Door to Your Own Front Door

Looking for a mortgage with low rates and a hassle-free application process? You've come to the right place.

Our friendly and knowledgeable mortgage consultants will help you find the home loan that's right for you.

  • Competitive rates
  • Purchase or refinance
  • 24/7 direct mortgage online application process
  • Pre-approval in minutes
  • Specialized mortgage products

Talk to one of our expert loan consultants today.

Ask for Kasasa Checking and start earning rewards

Free Kasasa® checking rewards you in ways that matter. They're simple, free accounts that put you first. And when you open your Kasasa account here at allU.S. Credit Union, you're banking local and supporting our community here in Salinas.

Learn more about:

Kasasa Checking®
Earn a high rate on your balance plus refunds on your ATM fees, nationwide.

Kasasa Cashback®
Earn cash back on your debit card purchases, plus refunds on your ATM fees from any ATM in the United States.

Kasasa Tunes®
Get reimbursed when you buy your favorite music, movies, apps, games and more. Plus, get refunds on your ATM fees!

Kasasa Saver®
Make saving easy and automatic. This account links to your free Kasasa Cash or Kasasa Cash Back checking. Plus, it pays high dividend earnings!

What’ll you do with all the money you unlock from your home?

allU.S. Credit Union unlocks the money in your home.

  • Rates as low as 5%
  • Borrow up to $150,000
  • Borrow up to 80% of the value of your home
  • No prepayment penalty
  • Quick Approvals mean we say YES when other banks may be saying NO

Call to speak with an allU.S. Loan Representative at 831-789-8020 or view more information.

Unlock your home

Turn Your Car Title Into Cash In Your Pocket!

If you have an unhealthy credit history and need a fast and easy way to get some extra money, a car title loan with aLLU.S. Credit Union is a perfect option for you.

Your car is your credit and is used as your collateral, so it doesn't matter if you have good credit, bad credit or no credit at all. Based on the value of your vehicle and your cash needs, we will work with you to determine how much cash you qualify for. 

Get your debt under control with a title loan from aLLU.S. Credit Union!*

  • Rates as low as 2.49%
  • Borrow up to 90% of your car's value using its title as collateral
  • No processing fees
  • Easy approval. Fast cash. And you get to keep your car!

To apply by phone or for more information, call Robin, Stephanie or Celeste at 831-789-8020 or apply online any time.

MORE SURCHARGE-FREE ATMs than any bank, anywhere.

allU.S. Credit Union is a member of the CO-OP ATM Network. CO-OP's nearly 30,000 ATMS nationwide, 5,000+ shared branches throughout the U.S. and Canada and 500 Walgreen's locations throughout California means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find an ATM near you.

*surcharge-free transactions are permissible only with debit cards

Debt Spinning Out of Control?

The New Year means a fresh start. So resolve to stop letting lingering debt drag you down. At allU.S. Credit Union, we offer many options to help you pay off your credit cards, improve your credit rating and live debt free! Check it out:

Drive Down Your Debt!

Pay off existing debts with an Auto Title Loan featuring:

  • Rates as low as 2.49% APR
  • Ability to borrow up to 50% of your car's value

Pocket a Great Rate!

Transfer high-rate credit cards to the allU.S. Visa® Credit Card and save BIG with:

  • Rates as low as 8.99% APR
  • No annual fee
  • No cash advance or transaction fees

Kiss High-Rate Debt Goodbye!

Consolidate your debt with a Personal Loan and enjoy:

  • Rates as low as 7.0% APR
  • Loan amounts up to $25,000
  • No collateral required

Get in gear for the New Year - apply today!
Apply Online or call Robin or Stephanie at 831-540-4627. Need help determining if debt consolidation is a good option for you? Just stop by - we'll be happy to help!

View our flyer

Tempted by Dealer Rates? Don't Bite! Check out a Pre-Approved Car Loan from allU.S.

Auto dealerships dangle low interest rates and 0% financing to lure you in. But once you bite, you might be surprised to know you're not saving money.

Instead of taking a low or 0% interest rate, take the dealer rebate instead. Then finance your vehicle at allU.S. Credit Union. You'll lower your monthly payment and save more money over the life of the loan. View all details and compare for yourself...

Pocket the Perks of the allU.S. Visa Credit Card

One Card is All You Need
Lighten your load with the card that gives you more - more convenience, more security and more benefits to help you save. Our allU.S. Visa credit card comes with a great lineup of budget friendlyfeatures, including:

  • Low rates starting at just 8.99% APR*
  • No annual fee
  • No cash advance or transaction fees
  • 25-day grace period on purchases
  • Fraud protection

View our flyer

Fill out an online application


Don't be a victim of a scammer. Learn how to stay safe.

Chances are you or someone you know has been a target of a scam. Learn how to protect yourself against credit card and internet auction fraud. Learn more about fraud targeting senior citizens including investment schemes and prescription drug fraud. Several common fraud schemes, how they work and how you can identify them can be found at this page from the FBI.

If you're suspicious of an organization, try searching for them or their phone number on the RipOffReport or just search google for the company or phone number plus the word "scam".

Great new way to sell or trade-in your used car

allU.S. is offering a new FREE high tech financial tool for its credit union members to sell their cars by putting it out to bid to dealers as an alternative to selling via a private party sale or going to the dealership and trading in their car.

Learn more in our Member Center

allU.S. Credit Union - Positively Different!

Monterey County Employee Credit Union, who opened their doors 63 years ago, has changed its name to allU.S. Credit Union – Positively Different!

Read all the details in our blog.




To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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allU.S. Credit Union has no control over information at any site hyperlinked to or from this site. These hyperlinks lead to websites published or operated by third parties who are not affiliated with or in any way related to allU.S. Credit Union. They have been included in our website to enhance your user experience and are presented for information purposes only. We endeavor to select reputable websites and sources of information for your convenience. By providing hyperlinks to an external website or webpage, allU.S. does not endorse, recommend, approve, guarantee or introduce any third parties or the services/ products they provide on their websites, or to have any form of co-operation with such third parties and websites unless otherwise stated by allU.S. Credit Union. In no event shall allU.S. Credit Union be responsible for your use of a hyperlinked site.

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