New ReportFall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%.Read the report
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 Federal Credit Union Arlington Heights, IL Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 Federal Credit Union Arlington Heights, IL's Regular CDs - 48 Month rates are at 4.02%, Regular CDs - 36 Month rates are at 3.87%, Regular CDs - 24 Month rates are at 3.71%, Regular CDs - 18 Month rates are at 3.56%, Regular CDs - 12 Month rates are at 3.40%. Metro Federal Credit Union Arlington Heights, IL's savings rates are at 2.53%. Metro Federal Credit Union Arlington Heights, IL's money market rates are at 0.95%. Metro Federal Credit Union Arlington Heights, IL's checking rates are as high as 3.50%. 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%. Metro Federal Credit Union Arlington Heights, IL's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.
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.
Metro Federal Credit Union Arlington Heights, IL has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Metro Federal Credit Union Arlington Heights, IL has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.23%
ExcellentLower than avg
Metro Federal Credit Union Arlington Heights, IL Texas Ratio
Metro Federal Credit Union Arlington Heights, IL's Texas Ratio is 4.23%, which is considered excellent and is lower than the national average of 6.13%.
Metro Federal Credit Union Arlington Heights, IL has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Metro Federal Credit Union Arlington Heights, IL Health Trend
4.64% to 4.23% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
Regular Share Certificates - 48 Month
-
4.02%
48 Month
Min Balance$100,000
DetailsBalance: $100,000 - and over
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 36 Month
-
3.87%
36 Month
Min Balance$100,000
DetailsBalance: $100,000 - and over
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.87% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 24 Month
-
3.71%
24 Month
Min Balance$100,000
DetailsBalance: $100,000 - and over
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.71% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 48 Month
-
3.71%
48 Month
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.71% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 18 Month
-
3.56%
18 Month
Min Balance$100,000
DetailsBalance: $100,000 - and over
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.56% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 36 Month
-
3.56%
36 Month
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.56% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 12 Month
-
3.40%
12 Month
Min Balance$100,000
DetailsBalance: $100,000 - and over
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 24 Month
-
3.40%
24 Month
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 48 Month
-
3.35%
48 Month
Min Balance$1,000
DetailsBalance: $1,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 18 Month
-
3.25%
18 Month
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 6 Month
-
3.25%
6 Month
Min Balance$100,000
DetailsBalance: $100,000 - and over
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 36 Month
-
3.20%
36 Month
Min Balance$1,000
DetailsBalance: $1,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 12 Month
-
3.09%
12 Month
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.09% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 24 Month
-
3.04%
24 Month
Min Balance$1,000
DetailsBalance: $1,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.04% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 6 Month
-
2.94%
6 Month
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.94% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 18 Month
-
2.89%
18 Month
Min Balance$1,000
DetailsBalance: $1,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.89% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 12 Month
-
2.73%
12 Month
Min Balance$1,000
DetailsBalance: $1,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.73% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
48 Month Payroll Share Certificate - Funded by Payroll Deposit Only
-
2.63%
48 Month
Min Balance$0
DetailsBalance: $0.01 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Regular Share Certificates - 6 Month
-
2.58%
6 Month
Min Balance$1,000
DetailsBalance: $1,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.58% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
36 Month Payroll Share Certificate - Funded by Payroll Deposit Only
-
2.48%
36 Month
Min Balance$0
DetailsBalance: $0.01 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.48% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
24 Month Payroll Share Certificate - Funded by Payroll Deposit Only
-
2.32%
24 Month
Min Balance$0
DetailsBalance: $0.01 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
18 Month Payroll Share Certificate - Funded by Payroll Deposit Only
-
2.17%
18 Month
Min Balance$0
DetailsBalance: $0.01 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
12 Month Payroll Share Certificate - Funded by Payroll Deposit Only
-
2.02%
12 Month
Min Balance$0
DetailsBalance: $0.01 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 9 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
View More
Kids Club Savings
2.50%
2.53%
Min Deposit$0
Min Balance$0
DetailsBalance: $0.01 - $500; Compounded: Monthly
Last Updated10/29/2026
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
DetailsBalance: $0.01 and over; Compounded: Monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 12 times
No change since Sep 14, 2026 · 0.25% APY · checked 9 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
View More
Platinum Checking
3.44%
3.50%
Min Deposit$0
Min Balance$100
DetailsBalance: $100 - $2,500; Qualifying balance up to $2,500.00; Compounded: Monthly; Balances exceeding $2,500 earn the standard checking dividend rate
Last Updated10/29/2026
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%
Premier Checking
0.10%
0.10%
Min Deposit$0
Min Balance$5,000
DetailsBalance: $5,000 and over; Compounded: Monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 12 times
No change since Sep 14, 2026 · 0.01% APY · checked 12 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
View More
Home Equity Fixed
-
-
5.99%
5 Years
DetailsAs Low As; W/O 1st Mtg; WITH 1st Mtg: 6.49%; Loan-To-Value: up to 80%; Processing Fee: $400; Minimum Loan: $15,000
Last Updated10/29/2026
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%
8 Years
DetailsAs Low As; W/O 1st Mtg; WITH 1st Mtg: 6.74%; Loan-To-Value: up to 80%; Processing Fee: $400; Minimum Loan: $15,000
Last Updated10/29/2026
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%
10 Years
DetailsAs Low As; W/O 1st Mtg; WITH 1st Mtg: 6.99%; Loan-To-Value: up to 80%; Processing Fee: $400; Minimum Loan: $15,000
Last Updated10/29/2026
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%
20 Years
DetailsAs Low As; Rate shown is for qualifying 'A' credit borrowers with no first mortgage (W/O 1st Mtg); WITH 1st Mtg: 7.24%; Loan-To-Value: up to 80%; Processing Fee: $400; Minimum Loan: $15,000; Prime Rate plus or minus margin, variable
Last Updated10/29/2026
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%
Metro Federal Credit Union Arlington Heights, IL Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
3.74%
Up to 36 Months
DetailsModel Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New Auto Loan
-
-
4.04%
Up to 48 Months
DetailsModel Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium
Last Updated10/29/2026
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 Loan
-
-
4.44%
Up to 60 Months
DetailsModel Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium
Last Updated10/29/2026
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 Loan
-
-
4.54%
Up to 36 Months
DetailsModel Year: 2021-2027; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New Auto Loan
-
-
4.84%
Up to 72 Months
DetailsModel Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium
Last Updated10/29/2026
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 Loan
-
-
4.84%
Up to 48 Months
DetailsModel Year: 2021-2027; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
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 Loan
-
-
5.04%
Up to 36 Months
DetailsModel Year: 2016-2020; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New Auto Loan
-
-
5.24%
Up to 84 Months
DetailsModel Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium
Last Updated10/29/2026
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 Loan
-
-
5.24%
Up to 60 Months
DetailsModel Year: 2021-2027; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
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 Loan
-
-
5.44%
Up to 48 Months
DetailsModel Year: 2016-2020; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.44% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Used Auto Loan
-
-
5.64%
Up to 72 Months
DetailsModel Year: 2021-2027; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
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 Loan
-
-
5.84%
Up to 60 Months
DetailsModel Year: 2016-2020; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.84% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Used Auto Loan
-
-
6.04%
Up to 84 Months
DetailsModel Year: 2021-2027; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
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 Loan
-
-
6.24%
Up to 72 Months
DetailsModel Year: 2016-2020; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
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 Loan
-
-
6.24%
Up to 36 Months
DetailsModel Year: 2015 & older (less than 180K mi); Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
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 Loan
-
-
6.64%
Up to 84 Months
DetailsModel Year: 2016-2020; Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
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 Loan
-
-
6.64%
Up to 48 Months
DetailsModel Year: 2015 & older (less than 180K mi); Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.64% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Vehicle Title Loan
-
-
6.64%
Up to 36 Months
DetailsModel Year: 2020-2027; Maximum loan up to 85% loan to value based on JD Power valuation
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 6.64% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Vehicle Title Loan
-
-
6.64%
Up to 48 Months
DetailsModel Year: 2020-2027; Maximum loan up to 85% loan to value based on JD Power valuation
Last Updated10/29/2026
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 Loan
-
-
7.04%
Up to 60 Months
DetailsModel Year: 2015 & older (less than 180K mi); Rates assume excellent credit; Financing up to JD Power valuation, not to exceed 125%
Last Updated10/29/2026
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
DetailsModel Year: 2020-2027; Maximum loan up to 85% loan to value based on JD Power valuation
Last Updated10/29/2026
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
DetailsModel Year: 2020-2027; Maximum loan up to 85% loan to value based on JD Power valuation
Last Updated10/29/2026
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 RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicle - New Boat/RV/Motorcycle Loan
-
5.74%
Up to 48 Months
DetailsModel Year: 2025-2027
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - New Boat/RV/Motorcycle Loan
-
6.14%
Up to 60 Months
DetailsModel Year: 2025-2027
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 6.14% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - Used Boat/RV/Motorcycle Loan
-
6.24%
Up to 48 Months
DetailsModel Year: 2016-2026
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - New Boat/RV/Motorcycle Loan
-
6.54%
Up to 72 Months
DetailsModel Year: 2025-2027
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 6.54% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - Used Boat/RV/Motorcycle Loan
-
6.64%
Up to 60 Months
DetailsModel Year: 2016-2026
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 6.64% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - New Boat/RV/Motorcycle Loan
-
6.94%
Up to 84 Months
DetailsModel Year: 2025-2027
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 6.94% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - Used Boat/RV/Motorcycle Loan
-
7.04%
Up to 72 Months
DetailsModel Year: 2016-2026
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 7.04% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - New Boat/RV/Motorcycle Loan
-
7.34%
Up to 120 Months
DetailsModel Year: 2025-2027
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 7.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - Used Boat/RV/Motorcycle Loan
-
7.44%
Up to 84 Months
DetailsModel Year: 2016-2026
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 7.44% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Recreational Vehicle - Used Boat/RV/Motorcycle Loan
-
7.84%
Up to 120 Months
DetailsModel Year: 2016-2026
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 7.84% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Metro Federal Credit Union Arlington Heights, IL Credit Card Rates
No change since Sep 14, 2026 · 13.80% APR · checked 12 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
View More
Signature (Personal) Loan
7.99%
Up to 24 Months
DetailsLoan amount $1,000 to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 7.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Signature (Personal) Loan
7.99%
Up to 36 Months
DetailsLoan amount $1,000 to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 7.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Signature (Personal) Loan
8.99%
Up to 48 Months
DetailsLoan amount $1,000 to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 8.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Signature (Personal) Loan
9.49%
Up to 60 Months
DetailsLoan amount $1,000 to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 9.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Signature (Personal) Loan
9.99%
Up to 72 Months
DetailsLoan amount $1,000 to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 9.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Signature (Personal) Loan
10.49%
Up to 84 Months
DetailsLoan amount $1,000 to $25,000
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 10.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
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 NameMetro Federal Credit Union Arlington Heights, IL
Address
2440 E Rand Rd,
Arlington Heights, IL 60004-5802
Phone847-670-0456
Fax847-670-0401
PresidentDonna Wilson
CEOSalvatore Fragale
Full-Time Employees12
Part-Time Employees2
Branch Locations2
ATM Locations2
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
46
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
2026 MBR Health & Safety Badge
Metro Federal Credit Union Arlington Heights, IL earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Metro Federal Credit Union Arlington Heights, IL 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.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Metro Federal Credit Union Arlington Heights, IL
Frequently Asked Questions About Metro Federal Credit Union Arlington Heights, IL
Does Metro Federal Credit Union Arlington Heights, IL offer CDs?
Yes. Metro Federal Credit Union Arlington Heights, IL current CD rates include its Regular CDs - 48 Month at 4.02% APY, its Regular CDs - 36 Month at 3.87% APY and its Regular CDs - 24 Month at 3.71% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Metro Federal Credit Union Arlington Heights, IL NCUA insured?
Yes. Metro Federal Credit Union Arlington Heights, IL 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 Federal Credit Union Arlington Heights, IL?
The highest Metro Federal Credit Union Arlington Heights, IL CD rate is its Regular CDs - 48 Month at 4.02% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Metro Federal Credit Union Arlington Heights, IL offer?
Metro Federal Credit Union Arlington Heights, IL CD rates are 3.40% APY for a 12 month CD, 3.56% APY for an 18 month CD, 3.71% APY for a 2 year CD, 3.87% APY for a 3 year CD and 4.02% APY for a 4 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 Federal Credit Union Arlington Heights, IL for its full lineup.
What is the highest savings rate at Metro Federal Credit Union Arlington Heights, IL?
The highest Metro Federal Credit Union Arlington Heights, IL savings rate is its Kids Club Savings at 2.53% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Metro Federal Credit Union Arlington Heights, IL?
The highest Metro Federal Credit Union Arlington Heights, IL money market rate is its VIP Money Market at 0.95% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Metro Federal Credit Union Arlington Heights, IL?
The highest Metro Federal Credit Union Arlington Heights, IL checking rate is its Platinum Checking at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Metro Federal Credit Union Arlington Heights, IL?
The lowest Metro Federal Credit Union Arlington Heights, IL auto loan rate is its New Auto Loan at 3.74% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Metro Federal Credit Union Arlington Heights, IL?
The lowest Metro Federal Credit Union Arlington Heights, IL personal loan rate is its Signature (Personal) Loan at 7.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Metro Federal Credit Union Arlington Heights, IL?
The lowest Metro Federal Credit Union Arlington Heights, IL credit card APR is its VISA Platinum Credit Card at 11.80% APR, verified by MonitorBankRates as of October 29, 2026.
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.
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 Federal Credit Union Arlington Heights, IL rates compare?
Metro Federal Credit Union Arlington Heights, IL's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. Metro Federal Credit Union Arlington Heights, IL's top rates are its Regular CDs - 48 Month at 4.02% APY, its Kids Club Savings at 2.53% APY, its VIP Money Market at 0.95% APY, its Platinum Checking at 3.50% APY, its Signature (Personal) Loan at 7.99% APR and its VISA Platinum Credit Card at 11.80% APR, verified by MonitorBankRates on October 29, 2026.
Current Metro Federal Credit Union Arlington Heights, IL Rates
12-Month CD2.02%
18-Month CD2.17%
24-Month CD2.32%
Savings2.53%
MMA0.95%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
