What are the current interest rates at Greater Metro Federal Credit Union?

Current rates for Greater Metro Federal Credit Union include: Savings: 0.05%, MMA: 0.10%

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Greater Metro Federal Credit Union

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Greater Metro Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greater Metro Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Greater Metro Federal Credit Union's savings rates are at 0.05%. Greater Metro Federal Credit Union's money market rates are at 0.10%. Greater Metro Federal Credit Union's Personal Loan Rates are as low as 8.25%. Greater Metro Federal Credit Union's Credit Card Rates are at 10.24%. MonitorBankRates evaluates the financial stability of Greater Metro Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.08%. Rates last updated and verified on 09/21/2026.

Greater Metro Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Greater Metro Federal Credit Union? Share your experience about Greater Metro Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Greater Metro Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.08%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Greater Metro Federal Credit Union
Main Office

3110 37th Ave
Long Island City, NY 11101-2128

https://www.greatermetrofcu.org

Greater Metro Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings Club	0.05%	0.05%
Min Balance $25 Details Daily balance at and above $25.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%

Greater Metro Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	0.10%	0.10%
Min Balance $500 Details Daily balance equal to or above $500.00. Accounts below the minimum balance are subject to a $5.00 per month maintenance fee. Dividends are compounded daily and credited monthly. There is a limit of 6 withdrawals drawn against the Money Market account each month. Minimum withdrawal is $500. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%

Greater Metro Federal Credit Union Checking Rates

Product	Rate	APY	View More
Hifi Draft (Checking)	0.05%	0.05%
Min Balance $100 Details Minimum Balance to earn Interest is $100 (Account must maintain this minimum throughout the month to earn interest); Dividends are compounded daily and credited monthly.; There is no limit on the number of checks drawn against an account each month.; Accounts below the minimum balance are subject to a $2.00 per month maintenance fee. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%

Greater Metro Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle - fixed rate	-	-	4.14%	36 Months
Details As low as; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's); All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%
New Vehicle - fixed rate	-	-	4.24%	48 Months
Details As low as; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's); All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%
New Vehicle - fixed rate	-	-	4.49%	60 Months
Details As low as; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's); All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%
Used Vehicle - fixed rate	-	-	5.14%	36 Months*
Details As low as; Maximum loan amount: $50,000 (includes motorcycles, boats, & RV's); Year of Vehicle: 2025, 2024, 2023, 2022, 2021, 2020, 2019 - Max Mileage 84k; All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%
New Vehicle - fixed rate	-	-	5.24%	72 Months
Details As low as; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's); All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%
Used Vehicle - fixed rate	-	-	5.24%	48 Months**
Details As low as; Maximum loan amount: $50,000 (includes motorcycles, boats, & RV's); Year of Vehicle: 2025, 2024, 2023, 2022, 2021, 2020 - Max Mileage 72k; All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%
Used Vehicle - fixed rate	-	-	5.49%	60 Months***
Details As low as; Maximum loan amount: $50,000 (includes motorcycles, boats, & RV's); Year of Vehicle: 2025, 2024, 2023, 2022, 2021 - Max Mileage 60k; All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%
Used Vehicle - fixed rate	-	-	5.99%	72 Months****
Details As low as; Maximum loan amount: $50,000 (includes motorcycles, boats, & RV's); Year of Vehicle: 2025, 2024, 2023, 2022 - Max Mileage 48k; All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%

Greater Metro Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Mastercard	-	10.24%
Details Platinum Rates based on 3.49% - 9.49% above the Prime Lending Rate as published by The Wall Street Journal. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%
Standard Mastercard	-	12.24%
Details Standard Rates based on 5.49% - 9.49% above the Prime Lending Rate as published by The Wall Street Journal. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%

Greater Metro Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans - fixed rate	8.25%	1-60 Months
Details As low as; Minimum Loan Amount: $500; Maximum Loan Amount: $15,000; May require co-signer/maker; All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%

Greater Metro Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Regular and IRA Share	0.05%	-	0.05%
Min Balance $500 Details Daily balance at and above $500.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.08%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Greater Metro Federal Credit Union’s Texas Ratio fell from 41.48% in Q2 2023 to 5.08% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.8 to 5.0 and its Health Grade from F to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$78M	5.08%	5.0	A+
December 31, 2025	$77M	5.09%	5.0	A+
September 30, 2025	$78M	4.81%	5.0	A+
June 30, 2025	$81M	4.82%	5.0	A+
March 31, 2025	$81M	5.98%	5.0	A+
December 31, 2024	$80M	5.74%	5.0	A+
September 30, 2024	$83M	5.46%	5.0	A+
June 30, 2024	$84M	43.56%	2.6	F
March 31, 2024	$87M	43.56%	2.6	F
December 31, 2023	$86M	43.04%	2.7	F
September 30, 2023	$86M	42.79%	2.7	F
June 30, 2023	$86M	41.48%	2.8	F

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Greater Metro Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Greater Metro Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Greater Metro Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Metro Federal Credit Union

Website https://www.greatermetrofcu.org

Address 3110 37th Ave, Long Island City, NY 11101-2128

Phone 718-361-1002

Fax 718-361-1775

President Robert Morrison

CEO Keith Kurman

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.08%

Return on Assets (ROA)

0.0514%

Return on Equity (ROE)

0.4475%

Non-Performing Loans Ratio (NPL)

2.23%

Total Assets

77,882,335

Total Amount of Shares and Deposits

68,827,447

Total Shares and Deposits < 1 Year

65,582,787

Total Shares and Deposits 1 3 Years

2,772,089

Total Shares and Deposits > 3 Years

472,571

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,059,271

Total Uninsured Shares and Deposits > $250K (F+J)

6,059,271

Total Insured Shares and Deposits > $250K (item 17 less item K)

62,768,176

Total Interest Expense (Sum of items 6 8)

133,717

Share Certificates

700

Number of Accounts for Share Drafts

2,947

IRA KEOGH Accounts

239

Number of Accounts for Regular Shares

6,224

All other shares

277

Money Market Shares

108

Net Income (unless the amount is already included in Undivided Earnings)

40,057

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,529,482

Total Liabilities

69,165,304

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Greater Metro Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Greater Metro Federal Credit Union yet. Feel free to create one below.

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Average Rating

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Total Reviews

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Frequently Asked Questions About Greater Metro Federal Credit Union

How many branches does Greater Metro Federal Credit Union operate?

Greater Metro Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Greater Metro Federal Credit Union?

Yes, to access services at Greater Metro Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Greater Metro Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greater Metro Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greater Metro Federal Credit Union offer online and mobile banking?

Most modern institutions like Greater Metro Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.greatermetrofcu.org.

Current Greater Metro Federal Credit Union Rates

Savings0.05%
MMA0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Greater Metro Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Greater Metro Federal Credit Union Texas Ratio

Greater Metro Federal Credit Union Health Trend

Greater Metro Federal Credit Union Savings Rates

Greater Metro Federal Credit Union Money Market Rates

Greater Metro Federal Credit Union Checking Rates

Greater Metro Federal Credit Union Auto Loan Rates

Greater Metro Federal Credit Union Credit Card Rates

Greater Metro Federal Credit Union Personal Loan Rates

Greater Metro Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Greater Metro Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Greater Metro Federal Credit Union

How many branches does Greater Metro Federal Credit Union operate?

Is a member application needed to join Greater Metro Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Greater Metro Federal Credit Union offer online and mobile banking?

Current Greater Metro Federal Credit Union Rates

Compare to Other Credit Unions