A $25 fee will be assessed on all applications.  This fee will be assessed whether the loan is approved or declined, and may create a negative balance if sufficient funds are not available.

To avoid being charged an unnecessary fee, DO NOT apply unless you meet the following requirements:

1. Employed at current job or receiving continuous benefits or retirement income for three months or more. 
2. Have direct deposit into your account at Metro of at least $500* per month for the previous three months. 
3. No active bankruptcy or bankruptcy loss to Metro. 
4. No other active promotional loans (e.g., Summer Loan, Anytime Loan). 
5. No loans with Metro labeled as “Workout.”
6. All Metro loans must be current.
   
7. Only members who joined the credit union before May 1, 2024, will be eligible to apply for an Anytime Loan.
   

Note:  This is an online exclusive product.  No applications will be taken in branch or over the phone.

*Direct Deposits less than $150 may be excluded from the calculation. Additionally, all deposits from peer-to-peer (P2P) payment applications (e.g., Paypal, Venmo, Zelle, CashApp) are excluded from the calculation. 

• $500 minimum opening deposit
• Terms available from 3 to 60 months
• Insured by the NCUA

Click here to view current rates!

• Higher return
• Terms from 3 to 60 months
• $500 minimum opening deposit
• Insured safe to $250,000 by NCUA

In addition to the Regular Savings Account you opened when becoming a member, you can add one or more additional Savings Accounts at any time. The additional accounts can be used for a variety of things, including:

• Budgeting for everyday expenses
• Saving for a down payment on a purchase
• Building up a rainy-day fund

Like a Regular Money Market, Metro’s High Yield Money Market offers a better return than regular savings accounts without the restrictions of a Certificate. High Yield Money Market’s require a $50,000 minimum opening balance, and include:   

• No monthly account service charges (on accounts maintaining the required minimum balance)
• One (1) free withdrawal per month

View the Rate and Fee disclosure for full terms.

A Flex home equity line of credit offers the option to continue as a variable rate product or lock in the existing balance at a fixed rate, giving you peace of mind if rates fluctuate in the future. Features of a Flex HELOC include:

• 90% maximum-loan-to-value
• $10,000 minimum required credit limit
• 15-year term
• Up to 10-year draw period
• Variable rate with option to lock at a fixed rate and term up to four times

A Fixed Rate home equity line of credit offers an open line of credit at a fixed rate. Unlike a Flex HELOC, you do not have to draw funds to have a fixed rate. You can borrow the money you need at the same rate throughout the draw period. Features of a Fixed Rate HELOC include:

• 90% maximum-loan-to-value
• $10,000 minimum required credit limit
• 15-year term
  
• Up to 10-year draw period
• Variable rate after draw period

A Variable Rate home equity line of credit has no locked rate. Your rate will increase or decrease over time based on market fluctuations. Features of a traditional Variable Rate HELOC include:

• 90% maximum-loan-to-value
• $10,000 minimum required credit limit
• 15-year term
  
• Up to 10-year draw period
• Variable rate

Whether you're looking for a true no-cost checking account or one with all the bells and whistles, Metro has you covered. We offer two great checking account options: Simply and Complete.  No NSF return fees on ANY Checking Account with Metro Credit Union! No overdrafts on transactions under $5.00 and use up to $50.00 of Metro's money before getting charged an overdraft fee.

Check out the comparison below to select the account that works best for you. 

Why not simplify your finances and save money with a Metro Credit Union Consolidation Loan. You can combine multiple bills into one monthly payment at Metro. In most cases, you’ll get a much lower interest rate and a lower monthly payment than you’re making now with multiple bills. 

Many times, you’ll even pay the debt off faster.

Varying rates and terms available to fit your financial needs.

Start your application process today to find the right product for you!

• Terms between 24-84 months
• Refinance or New Purchase
• Multiple Payment Options
• Click here to see our current auto loan rates

• Loan terms between 24 and 120 months

Items you'll need to help you finalize your application:

• Year
• Make
• Model
• VIN
• List Price or Payoff Amount

• Loan terms between 24 and 84 months

Items you'll need to help you finalize your application:

• Year
• Make
• Model
• VIN
• List Price or Payoff Amount

• Loan terms between 24 and 120 months

Items you'll need to help you finalize your application:

• Year
• Make
• Model
• VIN
• List Price or Payoff Amount