What are the current interest rates at Metro Federal Credit Union Arlington Heights, IL?

Current rates for Metro Federal Credit Union Arlington Heights, IL include: 12-Month CD: 2.02%, 18-Month CD: 2.17%, 24-Month CD: 2.32%, Savings: 2.53%, MMA: 0.95%

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Metro Federal Credit Union Arlington Heights, IL

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Metro Federal Credit Union Arlington Heights, IL Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Metro Federal Credit Union Arlington Heights, IL 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: October 9, 2026

Metro Federal Credit Union Arlington Heights, IL's top rates as of October 9, 2026 are 5.00% APY on its 24 Month IRA Payroll CD, 2.53% APY on savings, 0.95% APY on money market accounts, 3.50% APY on checking, personal loans from 5.99% APR, and credit cards from 11.80% APR, according to rates verified by MonitorBankRates. Other Metro Federal Credit Union Arlington Heights, IL CD rates include 24 Month IRA CD at 5.00%, 24 Month Payroll CD at 5.00%, and 24 Month Regular CD at 5.00%. MonitorBankRates evaluates the financial stability of Metro Federal Credit Union Arlington Heights, IL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.23%. Rates last updated and verified on 10/09/2026.

Metro Federal Credit Union Arlington Heights, IL 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 Federal Credit Union Arlington Heights, IL? Share your experience about Metro Federal Credit Union Arlington Heights, IL by leaving a review below, or read customer reviews before you decide to use Metro Federal Credit Union Arlington Heights, IL.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.23%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Metro Federal Credit Union Arlington Heights, IL
Main Office

2440 E Rand Rd
Arlington Heights, IL 60004-5802

https://www.mcu.org

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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 Federal Credit Union Arlington Heights, IL CD Rates

Product	Rate	APY	Term
24 Month IRA Payroll Share Certificate	4.75%	5.00%	24 months
Details APY - Annual Percentage Yield APY assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. IRA Share Certificates are subject to applicable IRA requirements and may be subject to additional tax consequences or penalties for withdrawals. Please consult a qualified tax advisor regarding your individual circumstances. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Please refer to the Share Certificate Terms & Conditions and applicable IRA documents for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 2.32% → 5.00% ▲ 2.68 pts · high 5.00% / low 2.32% Oct 9, 20265.00%▲ from 2.32% Oct 5, 20262.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month IRA Share Certificate	4.75%	5.00%	24 months
Details APY - Annual Percentage Yield APY assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. IRA Share Certificates are subject to applicable IRA requirements and may be subject to additional tax consequences or penalties for withdrawals. Please consult a qualified tax advisor regarding your individual circumstances. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Please refer to the Share Certificate Terms & Conditions and applicable IRA documents for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.71% → 5.00% ▲ 1.29 pts · high 5.00% / low 3.71% Oct 9, 20265.00%▲ from 3.71% Oct 5, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month Payroll Share Certificate	4.75%	5.00%	24 months
Details APY - Annual Percentage Yield APY assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Please refer to the Share Certificate Terms & Conditions for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 2.32% → 5.00% ▲ 2.68 pts · high 5.00% / low 2.32% Oct 9, 20265.00%▲ from 2.32% Oct 5, 20262.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month Regular Share Certificate	4.75%	5.00%	24 months
Details Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Please refer to the Share Certificate Terms & Conditions for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 5.00% ▲ 1.29 pts · high 5.00% / low 3.71% Oct 9, 20265.00%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month IRA Payroll Share Certificate	4.50%	4.75%	12 months
Details APY - Annual Percentage Yield APY assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. IRA Share Certificates are subject to applicable IRA requirements and may be subject to additional tax consequences or penalties for withdrawals. Please consult a qualified tax advisor regarding your individual circumstances. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Please refer to the Share Certificate Terms & Conditions and applicable IRA documents for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 2.02% → 4.75% ▲ 2.73 pts · high 4.75% / low 2.02% Oct 9, 20264.75%▲ from 2.02% Oct 5, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month IRA Share Certificate	4.50%	4.75%	12 months
Details APY - Annual Percentage Yield APY assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. IRA Share Certificates are subject to applicable IRA requirements and may be subject to additional tax consequences or penalties for withdrawals. Please consult a qualified tax advisor regarding your individual circumstances. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Please refer to the Share Certificate Terms & Conditions and applicable IRA documents for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.40% → 4.75% ▲ 1.35 pts · high 4.75% / low 3.40% Oct 9, 20264.75%▲ from 3.40% Oct 5, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month Payroll Share Certificate	4.50%	4.75%	12 months
Details APY - Annual Percentage Yield APY assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Please refer to the Share Certificate Terms & Conditions for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 2.02% → 4.75% ▲ 2.73 pts · high 4.75% / low 2.02% Oct 9, 20264.75%▲ from 2.02% Oct 5, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month Regular Share Certificate	4.50%	4.75%	12 months
Details Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Please refer to the Share Certificate Terms & Conditions for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.75% ▲ 1.35 pts · high 4.75% / low 3.40% Oct 9, 20264.75%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month IRA Share Certificate	-	4.02%	48 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month Regular Share Certificates	-	4.02%	48 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36 Month IRA Share Certificate	-	3.87%	36 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36 Month Regular Share Certificates	-	3.87%	36 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.87% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month IRA Share Certificate	-	3.71%	24 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month Regular Share Certificates	-	3.71%	24 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month IRA Share Certificate	-	3.71%	48 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month Regular Share Certificates	-	3.71%	48 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
18 Month IRA Share Certificate	-	3.56%	18 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
18 Month Regular Share Certificates	-	3.56%	18 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36 Month IRA Share Certificate	-	3.56%	36 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36 Month Regular Share Certificates	-	3.56%	36 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month IRA Share Certificate	-	3.40%	12 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month Regular Share Certificates	-	3.40%	12 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month IRA Share Certificate	-	3.40%	24 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month Regular Share Certificates	-	3.40%	24 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month IRA Share Certificate	-	3.35%	48 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month Regular Share Certificates	-	3.35%	48 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
18 Month IRA Share Certificate	-	3.25%	18 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
18 Month Regular Share Certificates	-	3.25%	18 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
6 Month Regular Share Certificates	-	3.25%	6 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36 Month IRA Share Certificate	-	3.20%	36 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36 Month Regular Share Certificates	-	3.20%	36 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month IRA Share Certificate	-	3.09%	12 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.09% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month Regular Share Certificates	-	3.09%	12 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month IRA Share Certificate	-	3.04%	24 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month Regular Share Certificates	-	3.04%	24 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
6 Month Regular Share Certificates	-	2.94%	6 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
18 Month IRA Share Certificate	-	2.89%	18 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
18 Month Regular Share Certificates	-	2.89%	18 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.89% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month IRA Share Certificate	-	2.73%	12 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.73% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month Regular Share Certificates	-	2.73%	12 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.73% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month IRA Payroll Share Certificate	-	2.63%	48 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month Payroll Share Certificate	-	2.63%	48 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
6 Month Regular Share Certificates	-	2.58%	6 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.58% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36 Month IRA Payroll Share Certificate	-	2.48%	36 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.48% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36 Month Payroll Share Certificate	-	2.48%	36 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.48% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month IRA Payroll Share Certificate	-	2.32%	24 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.32% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month Payroll Share Certificate	-	2.32%	24 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.32% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
18 Month IRA Payroll Share Certificate	-	2.17%	18 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
18 Month Payroll Share Certificate	-	2.17%	18 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month IRA Payroll Share Certificate	-	2.02%	12 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month Payroll Share Certificate	-	2.02%	12 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Metro Federal Credit Union Arlington Heights, IL Savings Rates

Product	Rate	APY
Kids Club Savings	2.50%	2.53%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 - $500 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 2.50% → 2.53% ▲ 0.03 pts · high 2.53% / low 2.50% Sep 29, 20262.53%▲ from 2.50% Sep 17, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Christmas & Vacation Club Savings	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.01+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Traditional & Roth IRA Savings	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Compounded: Monthly Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Kids Club Savings	0.50%	0.50%
Min Deposit $0 Min Balance $500 Details Balance: $500.01+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Primary Savings	0.50%	0.50%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 and Over; Compounded: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Primary Savings	0.25%	0.25%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $24,999; Compounded: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Primary Savings	0.15%	0.15%
Min Deposit $10 Min Balance $5,000 Details Balance: $5,000 - $9,999; Compounded: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Primary Savings	0.10%	0.10%
Min Deposit $10 Min Balance $100 Details Balance: $100 - $4,999; Compounded: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Metro Federal Credit Union Arlington Heights, IL Money Market Rates

Product	Rate	APY
VIP Money Market	0.95%	0.95%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
VIP Money Market	0.65%	0.65%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 - 49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
VIP Money Market	0.50%	0.50%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000- 24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
VIP Money Market	0.35%	0.35%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000 -$9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
VIP Money Market	0.25%	0.25%
Min Deposit $0 Min Balance $100 Details Balance: $100 - $4,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Metro Federal Credit Union Arlington Heights, IL Checking Rates

Product	Rate	APY
Platinum Checking	3.44%	3.50%
Min Deposit $0 Min Balance $100 Details Balance: $100 -$2,500 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.50% / low 3.44% Sep 18, 20263.50%▲ from 3.44% Sep 17, 20263.44%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Platinum Checking	0.15%	0.15%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Platinum Checking	0.10%	0.10%
Min Deposit $0 Min Balance $2,501 Details Balance: $2,501 - 9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Premier Checking	0.10%	0.10%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Premier Checking	0.08%	0.08%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - 4,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Premier Checking	0.05%	0.05%
Min Deposit $0 Min Balance $100 Details Balance: $100 - $2,499 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Regular Checking	0.05%	0.05%
Min Deposit $0 Min Balance $5,001 Details Balance: $5,001 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Regular Checking	0.03%	0.03%
Min Deposit $0 Min Balance $2,501 Details Balance: $2,501 - 5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Regular Checking	0.01%	0.01%
Min Deposit $0 Min Balance $100 Details Balance: $100 - $2,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Metro Federal Credit Union Arlington Heights, IL Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed	5.99%	-	5.99%	5 Years
Details Rates As Low As (W/O 1st Mtg); Loan-To-Value Limits: up to 80%; Processing Fee: $400; Minimum Loan: $15,000 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 6.49% / low 5.99% Oct 5, 20265.99%▼ from 6.49%* Oct 2, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Fixed	6.24%	-	6.24%	8 Years
Details Rates As Low As (W/O 1st Mtg); Loan-To-Value Limits: up to 80%; Processing Fee: $400; Minimum Loan: $15,000 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.24% → 6.24% ▼ 0.00 pts · high 6.74% / low 6.24% Oct 5, 20266.24%▼ from 6.74%* Oct 2, 20266.74%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Fixed	6.49%	-	6.49%	5 Years
Details Rates As Low As (WITH 1st Mtg); Loan-To-Value Limits: up to 80%; Processing Fee: $400; Minimum Loan: $15,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 2, 20266.49%▲ from 5.99%* Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Fixed	6.49%	-	6.49%	10 Years
Details Rates As Low As (W/O 1st Mtg); Loan-To-Value Limits: up to 80%; Processing Fee: $400; Minimum Loan: $15,000 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 6.49% ▼ 0.00 pts · high 6.99% / low 6.49% Oct 5, 20266.49%▼ from 6.99%* Oct 2, 20266.99%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Line of Credit	6.49%	-	6.49%	20 Years
Details Rates As Low As (W/O 1st Mtg); Loan-To-Value Limits: up to 80%; Processing Fee: $400; Minimum Loan: $15,000 Last Updated 10/09/2026 Rate History 1 change since Oct 2, 2026 · 7.24% → 6.49% ▼ 0.75 pts · high 7.24% / low 6.49% Oct 5, 20266.49%▼ from 7.24%* Oct 2, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Fixed	6.74%	-	6.74%	8 Years
Details Rates As Low As (WITH 1st Mtg); Loan-To-Value Limits: up to 80%; Processing Fee: $400; Minimum Loan: $15,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.74% / low 6.24% Oct 2, 20266.74%▲ from 6.24%* Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Fixed	6.99%	-	6.99%	10 Years
Details Rates As Low As (WITH 1st Mtg); Loan-To-Value Limits: up to 80%; Processing Fee: $400; Minimum Loan: $15,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49% Oct 2, 20266.99%▲ from 6.49%* Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Line of Credit	7.24%	-	7.24%	20 Years
Details Rates As Low As (WITH 1st Mtg)*; Loan-To-Value Limits: up to 80%; Processing Fee: $400; Minimum Loan: $15,000 Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Metro Federal Credit Union Arlington Heights, IL Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	3.74%	Up to 36 Months
Details Model Year: NEW Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
New Auto	-	-	4.04%	Up to 48 Months
Details Model Year: NEW Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.14% → 4.04% ▼ 0.10 pts · high 4.14% / low 4.04% Oct 5, 20264.04%▼ from 4.14% Sep 14, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
New Auto	-	-	4.44%	Up to 60 Months
Details Model Year: NEW Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.54% → 4.44% ▼ 0.10 pts · high 4.54% / low 4.44% Oct 5, 20264.44%▼ from 4.54% Sep 14, 20264.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	4.54%	Up to 36 Months
Details Model Year: 2021-2027 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.54% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
New Auto	-	-	4.84%	Up to 72 Months
Details Model Year: NEW Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.94% → 4.84% ▼ 0.10 pts · high 4.94% / low 4.84% Oct 5, 20264.84%▼ from 4.94% Sep 14, 20264.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	4.84%	Up to 48 Months
Details Model Year: 2021-2027 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.94% → 4.84% ▼ 0.10 pts · high 4.94% / low 4.84% Oct 5, 20264.84%▼ from 4.94% Sep 14, 20264.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	5.04%	Up to 36 Months
Details Model Year: 2016-2020 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.04% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
New Auto	-	-	5.24%	Up to 84 Months
Details Model Year: NEW Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.34% → 5.24% ▼ 0.10 pts · high 5.34% / low 5.24% Oct 5, 20265.24%▼ from 5.34% Sep 14, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	5.24%	Up to 60 Months
Details Model Year: 2021-2027 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.34% → 5.24% ▼ 0.10 pts · high 5.34% / low 5.24% Oct 5, 20265.24%▼ from 5.34% Sep 14, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	5.44%	Up to 48 Months
Details Model Year: 2016-2020 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	5.64%	Up to 72 Months
Details Model Year: 2021-2027 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.64% ▼ 0.10 pts · high 5.74% / low 5.64% Oct 5, 20265.64%▼ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	5.84%	Up to 60 Months
Details Model Year: 2016-2020 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.84% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	6.04%	Up to 84 Months
Details Model Year: 2021-2027 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.14% → 6.04% ▼ 0.10 pts · high 6.14% / low 6.04% Oct 5, 20266.04%▼ from 6.14% Sep 14, 20266.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	6.24%	Up to 72 Months
Details Model Year: 2016-2020 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74% Sep 17, 20266.24%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	6.24%	Up to 36 Months
Details Model Year: 2015 & older (less than 180K mi) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.04% → 6.24% ▲ 1.20 pts · high 6.24% / low 5.04% Sep 17, 20266.24%▲ from 5.04% Sep 14, 20265.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	6.64%	Up to 84 Months
Details Model Year: 2016-2020 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.14% → 6.64% ▲ 0.50 pts · high 6.64% / low 6.14% Oct 5, 20266.64%▲ from 6.14% Sep 14, 20266.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	6.64%	Up to 48 Months
Details Model Year: 2015 & older (less than 180K mi) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Vehicle Title Loan	-	-	6.64%	Up to 36 Months
Details Model Year: 2020-2027 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Vehicle Title Loan	-	-	6.64%	Up to 48 Months
Details Model Year: 2020-2027 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.64% ▼ 0.10 pts · high 6.74% / low 6.64% Oct 5, 20266.64%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Used Auto	-	-	7.04%	Up to 60 Months
Details Model Year: 2015 & older (less than 180K mi) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.84% → 7.04% ▲ 1.20 pts · high 7.04% / low 5.84% Oct 5, 20267.04%▲ from 5.84% Sep 14, 20265.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Vehicle Title Loan	-	-	7.14%	Up to 60 Months
Details Model Year: 2020-2027 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.14% ▼ 0.10 pts · high 7.24% / low 7.14% Oct 5, 20267.14%▼ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Vehicle Title Loan	-	-	7.64%	Up to 72 Months
Details Model Year: 2020-2027 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 7.74% → 7.64% ▼ 0.10 pts · high 7.74% / low 7.64% Oct 5, 20267.64%▼ from 7.74% Sep 17, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Metro Federal Credit Union Arlington Heights, IL Credit Card Rates

Product	Rate	APR
VISA Platinum	-	11.80%
Details Credit Limit: Minimum $5,000; Annual Fee: $0; Balance Transfer Fee: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.80% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
VISA Classic	-	13.80%
Details Credit Limit: Minimum $1,000; Annual Fee: $0; Balance Transfer Fee: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.80% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
VISA Secured	-	13.80%
Details Credit Limit: Minimum $500; Annual Fee: $0; Balance Transfer Fee: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.80% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Metro Federal Credit Union Arlington Heights, IL Personal Loan Rates

Product	APR	Term
Holiday & Debt Consolidation Loan	5.99%	Up to 24 Months
Details Loan amount $1,000 to $35,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Holiday & Debt Consolidation Loan	5.99%	Up to 36 Months
Details Loan amount $1,000 to $35,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Holiday & Debt Consolidation Loan	6.99%	Up to 48 Months
Details Loan amount $1,000 to $35,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Holiday & Debt Consolidation Loan	7.49%	Up to 60 Months
Details Loan amount $1,000 to $35,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Holiday & Debt Consolidation Loan	7.99%	Up to 72 Months
Details Loan amount $1,000 to $35,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Signature (Personal) Loan	7.99%	Up to 24 Months
Details Loan amount $1,000 to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Signature (Personal) Loan	7.99%	Up to 36 Months
Details Loan amount $1,000 to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Holiday & Debt Consolidation Loan	8.49%	Up to 84 Months
Details Loan amount $1,000 to $35,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Signature (Personal) Loan	8.99%	Up to 48 Months
Details Loan amount $1,000 to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Signature (Personal) Loan	9.49%	Up to 60 Months
Details Loan amount $1,000 to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Signature (Personal) Loan	9.99%	Up to 72 Months
Details Loan amount $1,000 to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Signature (Personal) Loan	10.49%	Up to 84 Months
Details Loan amount $1,000 to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Metro Federal Credit Union Arlington Heights, IL Other Rates

Product	Rate	Points	APY/APR	Term	View More
Share Certificate Special	4.50%	-	4.75%
Details Effective 10/01/2026 Eligibility: Rates, terms, and accounts are available to METRO Federal Credit Union members only. Institutional deposits are not eligible. APY assumes dividends remain on deposit until maturity. Dividends accrue from the first business day of deposit and are compounded and credited monthly. Minimum balance requirements apply. Certificate rates are subject to change without notice; once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawal penalties may apply. New Money must come from another financial institution. Special Certificates may have different funding, term, and renewal requirements. See the current Rate Schedule and Share Certificate Terms & Conditions for complete details. Member accounts are federally insured by the NCUA up to applicable limits. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 5.50% → 4.75% ▼ 0.75 pts · high 5.50% / low 4.75% Oct 9, 20264.75%▼ from 5.50% Oct 5, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Metro Federal Credit Union Arlington Heights, IL’s Texas Ratio stayed near 4.64% in Q3 2023 to 4.23% in Q2 2026, so its financial health has stayed very strong 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

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
June 30, 2026	$80M	4.23%	5.0	A+
March 31, 2026	$79M	3.58%	5.0	A+
December 31, 2025	$77M	2.89%	5.0	A+
September 30, 2025	$72M	1.57%	5.0	A+
June 30, 2025	$73M	1.29%	5.0	A+
March 31, 2025	$73M	3.81%	5.0	A+
December 31, 2024	$70M	4.83%	5.0	A+
September 30, 2024	$70M	1.44%	5.0	A+
June 30, 2024	$69M	2.31%	5.0	A+
March 31, 2024	$68M	4.22%	5.0	A+
December 31, 2023	$67M	4.40%	5.0	A+
September 30, 2023	$66M	4.64%	5.0	A+

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 Metro Federal Credit Union Arlington Heights, IL 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 Federal Credit Union Arlington Heights, IL 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 Federal Credit Union Arlington Heights, IL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Metro Federal Credit Union Arlington Heights, IL

Website https://www.mcu.org

Address 2440 E Rand Rd, Arlington Heights, IL 60004-5802

Phone 847-670-0456

Fax 847-670-0401

President Donna Wilson

CEO Salvatore Fragale

Full-Time Employees 12

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.23%

Return on Assets (ROA)

0.5177%

Return on Equity (ROE)

5.3676%

Non-Performing Loans Ratio (NPL)

0.83%

Total Assets

80,021,498

Total Amount of Shares and Deposits

71,044,077

Total Shares and Deposits < 1 Year

68,909,144

Total Shares and Deposits 1 3 Years

2,002,188

Total Shares and Deposits > 3 Years

132,746

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

2,147,500

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

2,147,500

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

68,896,577

Total Interest Expense (Sum of items 6 8)

375,055

Share Certificates

260

Number of Accounts for Share Drafts

1,555

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,789

Money Market Shares

185

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)

7,232,456

Total Liabilities

72,303,895

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Metro Federal Credit Union Arlington Heights, IL earned the Verified Healthy badge

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Frequently Asked Questions About Metro Federal Credit Union Arlington Heights, IL

How many branches does Metro Federal Credit Union Arlington Heights, IL operate?

Metro Federal Credit Union Arlington Heights, IL 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 Federal Credit Union Arlington Heights, IL?

Yes, to access services at Metro Federal Credit Union Arlington Heights, IL, 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 Federal Credit Union Arlington Heights, IL 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 Federal Credit Union Arlington Heights, IL provides members with tools to manage their accounts and build a solid financial history.

Does Metro Federal Credit Union Arlington Heights, IL offer online and mobile banking?

Most modern institutions like Metro Federal Credit Union Arlington Heights, IL 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.mcu.org.