|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Metro Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Metro Credit Union's CD of Deposit - 15 month rates are at 4.30%, CD of Deposit - 17 month rates are at 4.30%, CD of Deposit - 18 month rates are at 4.30%, CD of Deposit - 12 month rates are at 4.00%, CD of Deposit - 13 month rates are at 4.00%. Metro Credit Union's savings rates are at 3.25%. Metro Credit Union's money market rates are at 3.25%. Metro Credit Union's checking rates are as high as 2.25%. Metro Credit Union's Personal Loan Rates are as low as 12.90%. Metro Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Metro Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.39%. Rates last updated and verified on 10/29/2026. Metro 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 Metro Credit Union? Share your experience about Metro Credit Union by leaving a review below, or read customer reviews before you decide to use Metro Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Metro Credit Union CD Rates
Metro Credit Union Savings Rates
Metro Credit Union Business Money Market Rates
Metro Credit Union Checking Rates
Metro Credit Union Business Checking Rates
Metro Credit Union Personal Loan Rates
Metro Credit Union Other Rates
Financial Health HistoryMetro Credit Union’s Texas Ratio rose from 1.38% in Q3 2023 to 5.39% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Metro 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 Metro 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 Metro Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Metro Credit Union
Website
https://www.metrocu.org
Address
200 Revere Beach Pkwy,
Chelsea, MA 02150-1608
Phone
877-696-3876
Fax
617-889-7663
President
Mark Smoller
CEO
Robert Cashman
Full-Time Employees
322
Part-Time Employees
12
Branch Locations
18
ATM Locations
18
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.39%
Return on Assets (ROA)
0.1750%
Return on Equity (ROE)
1.9055%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
3,303,317,074
Total Amount of Shares and Deposits
2,762,040,796
Total Shares and Deposits < 1 Year
2,538,230,108
Total Shares and Deposits 1 3 Years
159,036,402
Total Shares and Deposits > 3 Years
64,774,285
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
402,214,952
Total Uninsured Shares and Deposits > $250K (F+J)
402,214,952
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,359,825,844
Total Interest Expense (Sum of items 6 8)
38,318,749
Share Certificates
15,876
Number of Accounts for Share Drafts
70,098
IRA KEOGH Accounts
3,418
Number of Accounts for Regular Shares
258,273
Non Member Deposits
3
Money Market Shares
11,434
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)
156,618,122
Total Liabilities
3,006,759,748
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Metro Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Metro Credit Union
Frequently Asked Questions About Metro Credit UnionDoes Metro Credit Union offer CDs?Yes. Metro Credit Union current CD rates include its CD of Deposit - 15 month at 4.30% APY, its CD of Deposit - 17 month at 4.30% APY and its CD of Deposit - 18 month at 4.30% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Metro Credit Union NCUA insured?Yes. Metro Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Metro Credit Union?The highest Metro Credit Union CD rate is its IRA CD - 15 month at 4.40% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Metro Credit Union offer?Metro Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for a 13 month CD, 4.30% APY for a 15 month CD, 4.30% APY for a 17 month CD, 4.30% APY for an 18 month CD, 3.50% APY for a 2 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Metro Credit Union for its full lineup. What is the highest savings rate at Metro Credit Union?The highest Metro Credit Union savings rate is its High Yield Savings at 3.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Metro Credit Union?The highest Metro Credit Union money market rate is its Business Money Market at 3.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Metro Credit Union?The highest Metro Credit Union checking rate is its Business Premium Checking at 2.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Metro Credit Union?The lowest Metro Credit Union personal loan rate is its Personal Loan at 12.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Metro Credit Union operate?Metro 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 Metro Credit Union?Yes, to access services at Metro 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, Metro 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, Metro Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Metro Credit Union offer online and mobile banking?Most modern institutions like Metro 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.metrocu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Metro Credit Union rates compare?Metro Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. Metro Credit Union's top rates are its IRA CD - 15 month at 4.40% APY, its High Yield Savings at 3.25% APY, its Business Money Market at 3.25% APY, its Business Premium Checking at 2.25% APY and its Personal Loan at 12.90% APR, verified by MonitorBankRates on October 29, 2026. Current Metro Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Sunlight Federal Credit Union
OK Members First Federal Credit Union
Mount Vernon Ny Postal Employees Federal Credit Union
Sherwin Credit Union
Cooperative Extension Service Federal Credit Union
Allegheny Central Federal Credit Union
Local 606 Electrical Workers Federal Credit Union
Southeast Louisiana Veterans Health Federal Credit Union
St Louis Community Credit Union
West Michigan Postal Service Credit Union
Collegedale Credit Union
New Orleans Port Commission Employees Credit Union
Hope Federal Credit Union
Great Lakes Credit Union
Northern Redwood Federal Credit Union
Ravalli County Federal Credit Union
Community One Credit Union Of Ohio
Crossroads Credit Union
Opp-Micolas Credit Union
Red Wing Credit Union
Mercer County W VA Teachers Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
