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: 0.10%, MMA: 0.25%

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Metro Federal Credit Union Arlington Heights, IL

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Metro Federal Credit Union Arlington Heights, IL Rates & Review September 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: September 21, 2026

Metro Federal Credit Union Arlington Heights, IL's 30 Month CD Special rates are at 4.23%, 30 Month CD Special rates are at 4.05%, 15 Month CD Special rates are at 4.02%, 48 Month IRA CDs rates are at 4.02%, 48 Month Regular CDs rates are at 4.02%. Metro Federal Credit Union Arlington Heights, IL's savings rates are at 0.10%. Metro Federal Credit Union Arlington Heights, IL's money market rates are at 0.25%. Metro Federal Credit Union Arlington Heights, IL's Personal Loan Rates are as low as 7.99%. Metro Federal Credit Union Arlington Heights, IL's Credit Card Rates are at 11.80%. 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 3.58%. Rates last updated and verified on 09/21/2026.

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 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

3.58%

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

Metro Federal Credit Union Arlington Heights, IL CD Rates

Product	Rate	APY	Term
30 Month Share Certificate Special	4.15%	4.23%	30 months
Min Balance $25,000 Details NEW MONEY ONLY- LIMITED TIME Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
30 Month Share Certificate Special	3.98%	4.05%	30 months
Min Balance $25,000 Details Limited Time Only Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
15 Month Share Certificate Special	3.95%	4.02%	15 months
Min Balance $25,000 Details NEW MONEY ONLY- LIMITED TIME Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month IRA Share Certificates	-	4.02%	48 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Regular Share Certificates	-	4.02%	48 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
8 Month Share Certificate Special	3.85%	3.92%	8 months
Min Balance $25,000 Details NEW MONEY ONLY- LIMITED TIME Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month IRA Share Certificates	-	3.87%	36 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Regular Share Certificates	-	3.87%	36 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
15 Month Share Certificate Special	3.75%	3.82%	15 months
Min Balance $25,000 Details Limited Time Only Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month IRA Share Certificates	-	3.71%	24 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Regular Share Certificates	-	3.71%	24 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month IRA Share Certificates	-	3.71%	48 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Regular Share Certificates	-	3.71%	48 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
8 Month Share Certificate Special	3.60%	3.66%	8 months
Min Balance $25,000 Details Limited Time Only Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month IRA Share Certificates	-	3.56%	18 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Regular Share Certificates	-	3.56%	18 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month IRA Share Certificates	-	3.56%	36 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Regular Share Certificates	-	3.56%	36 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month IRA Share Certificates	-	3.40%	12 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Regular Share Certificates	-	3.40%	12 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month IRA Share Certificates	-	3.40%	24 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Regular Share Certificates	-	3.40%	24 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month IRA Share Certificates	-	3.35%	48 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Regular Share Certificates	-	3.35%	48 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month IRA Share Certificates	-	3.25%	18 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Regular Share Certificates	-	3.25%	18 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Regular Share Certificates	-	3.25%	6 Month
Min Balance $100,000 Details Balance: $100,000 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month IRA Share Certificates	-	3.20%	36 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Regular Share Certificates	-	3.20%	36 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month IRA Share Certificates	-	3.09%	12 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Regular Share Certificates	-	3.09%	12 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month IRA Share Certificates	-	3.04%	24 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Regular Share Certificates	-	3.04%	24 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Regular Share Certificates	-	2.94%	6 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month IRA Share Certificates	-	2.89%	18 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Regular Share Certificates	-	2.89%	18 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month IRA Share Certificates	-	2.73%	12 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Regular Share Certificates	-	2.73%	12 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month IRA Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.63%	48 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.63%	48 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Regular Share Certificates	-	2.58%	6 Month
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month IRA Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.48%	36 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.48%	36 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month IRA Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.32%	24 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.32%	24 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month IRA Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.17%	18 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.17%	18 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month IRA Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.02%	12 Month
Min Balance $0 Details Balance: $0.01 - and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Payroll Share Certificate - Funded by Payroll Deposit Only	-	2.02%	12 Month
Min Balance $0 Details Balance: $0.01 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Christmas & Vacation Club Savings	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Traditonal & Roth IRA Savings	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Compounded: Monthly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kids Club Savings	0.50%	0.50%
Min Deposit $0 Min Balance $500 Details Balance: $500.01 and Over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Primary Savings	0.50%	0.50%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 and Over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Primary Savings	0.25%	0.25%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Primary Savings	0.15%	0.15%
Min Deposit $10 Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Primary Savings	0.10%	0.10%
Min Deposit $10 Min Balance $100 Details Balance: $100 - $4,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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; Compounded: Monthly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
VIP Money Market	0.65%	0.65%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 - 49,999; Compounded: Monthly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
VIP Money Market	0.50%	0.50%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000- 24,999; Compounded: Monthly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
VIP Money Market	0.35%	0.35%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000 -$9,999; Compounded: Monthly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
VIP Money Market	0.25%	0.25%
Min Deposit $0 Min Balance $100 Details Balance: $100 - $4,999; Compounded: Monthly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Platinum Checking	0.15%	0.15%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Platinum Checking	0.10%	0.10%
Min Deposit $0 Min Balance $2,501 Details Balance: $2,501 - 9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Premier Checking	0.10%	0.10%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Premier Checking	0.08%	0.08%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - 4,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Premier Checking	0.05%	0.05%
Min Deposit $0 Min Balance $100 Details Balance: $100 - $2,499 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Regular Checking	0.05%	0.05%
Min Deposit $0 Min Balance $5,001 Details Balance: $5,001 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Regular Checking	0.03%	0.03%
Min Deposit $0 Min Balance $2,501 Details Balance: $2,501 - 5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Regular Checking	0.01%	0.01%
Min Deposit $0 Min Balance $100 Details Balance: $100 -$2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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

Product	Rate	Points	APR	Term
Home Equity Line of Credit Special	4.99%	-	4.99%	20 Years
Details Loan-To-Value Limits: up to 80%; Processing Fee: $199*; Minimum Loan: $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Home Equity Line-of-Credit	-	-	4.99%
Details Introductory rate special. Available 7/1/26-9/30/26. Introductory rate as low as 4.99%APR for "A" credit with no first mortgage. Loan rate recalculates to the current published rate plus an added margin on July 1, 2027. Processing Fees & Fee Reimbursement: Available 7/1/26-9/30/26. Initial processing fee is reduced to $199. Processing fee reimbursement available for loan disbursements of $25,000 or more. Additional terms and conditions may apply. Cannot be combined with other promotions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Home Equity Fixed	5.99%	-	5.99%	5 Years
Details Loan-To-Value Limits: up to 80%; Processing Fee: $199; Minimum Loan: $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Home Equity Fixed	6.24%	-	6.24%	8 Years
Details Loan-To-Value Limits: up to 80%; Processing Fee: $199; Minimum Loan: $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Home Equity Fixed	6.49%	-	6.49%	10 Years
Details Loan-To-Value Limits: up to 80%; Processing Fee: $199; Minimum Loan: $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	4.14%	Up to 48 Months*
Details Model Year: NEW Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	4.54%	Up to 60 Months*
Details Model Year: NEW Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	4.54%	Up to 36 Months*
Details Model Year: 2021-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	4.94%	Up to 72 Months*
Details Model Year: NEW Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	4.94%	Up to 48 Months*
Details Model Year: 2021-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	5.04%	Up to 36 Months*
Details Model Year: 2016-2020 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	5.34%	Up to 84 Months*
Details Model Year: NEW Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	5.34%	Up to 60 Months*
Details Model Year: 2021-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	5.44%	Up to 48 Months*
Details Model Year: 2016-2020 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	5.74%	Up to 72 Months*
Details Model Year: 2021-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	5.84%	Up to 60 Months*
Details Model Year: 2016-2020 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	6.14%	Up to 84 Months*
Details Model Year: 2021-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	6.24%	Up to 72 Months*
Details Model Year: 2016-2020 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	6.24%	Up to 36 Months*
Details Model Year: 2015 & older (less than 180K mi) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	6.64%	Up to 48 Months*
Details Model Year: 2015 & older (less than 180K mi) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Vehicle Title Loan	-	-	6.74%	Up to 48 Months*
Details Model Year: 2020-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Vehicle Title Loan	-	-	7.24%	Up to 60 Months*
Details Model Year: 2020-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Vehicle Title Loan	-	-	7.74%	Up to 72 Months*
Details Model Year: 2020-2026 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Metro Federal Credit Union Arlington Heights, IL Credit Card Rates

Product	Rate	APR
VISA Platinum	-	11.80%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
VISA Classic	-	13.80%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
VISA Secured	-	13.80%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Metro Federal Credit Union Arlington Heights, IL Personal Loan Rates

Product	APR	Term
Signature (Personal)	7.99%	Up to 24 Months*
Details Loan amount $1,000 to $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Signature (Personal)	7.99%	Up to 36 Months*
Details Loan amount $1,000 to $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Signature (Personal)	8.99%	Up to 48 Months*
Details Loan amount $1,000 to $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Signature (Personal)	9.49%	Up to 60 Months*
Details Loan amount $1,000 to $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Signature (Personal)	9.99%	Up to 72 Months*
Details Loan amount $1,000 to $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Signature (Personal)	10.49%	Up to 84 Months*
Details Loan amount $1,000 to $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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 fell from 4.57% in Q2 2023 to 3.58% in Q1 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
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+
June 30, 2023	$65M	4.57%	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

3.58%

Return on Assets (ROA)

0.1826%

Return on Equity (ROE)

1.9291%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

78,689,197

Total Amount of Shares and Deposits

70,087,774

Total Shares and Deposits < 1 Year

65,279,309

Total Shares and Deposits 1 3 Years

4,788,132

Total Shares and Deposits > 3 Years

20,333

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

4,015,859

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

4,015,859

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

66,071,915

Total Interest Expense (Sum of items 6 8)

186,338

Share Certificates

260

Number of Accounts for Share Drafts

1,536

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,297

Money Market Shares

188

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)

10,640,148

Total Liabilities

71,242,188

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

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

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

Customer Reviews

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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.

Current Metro Federal Credit Union Arlington Heights, IL Rates

12-Month CD2.02%
18-Month CD2.17%
24-Month CD2.32%
Savings0.10%
MMA0.25%

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

Compare to Other Credit Unions

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

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Metro Federal Credit Union Arlington Heights, IL Texas Ratio

Metro Federal Credit Union Arlington Heights, IL Health Trend

Metro Federal Credit Union Arlington Heights, IL CD Rates

Metro Federal Credit Union Arlington Heights, IL Savings Rates

Metro Federal Credit Union Arlington Heights, IL Money Market Rates

Metro Federal Credit Union Arlington Heights, IL Checking Rates

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

Metro Federal Credit Union Arlington Heights, IL Auto Loan Rates

Metro Federal Credit Union Arlington Heights, IL Credit Card Rates

Metro Federal Credit Union Arlington Heights, IL Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

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

Customer Reviews

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

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

Is a member application needed to join Metro Federal Credit Union Arlington Heights, IL?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current Metro Federal Credit Union Arlington Heights, IL Rates

Compare to Other Credit Unions