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

Current rates for Metro Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.00%, 24-Month CD: 4.00%, 60-Month CD: 3.50%, Savings: 0.07%, MMA: 2.35%

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Metro Federal Credit Union

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Metro Federal Credit Union Rates & Review October 2026

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

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

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Metro Federal Credit Union's top rates as of October 12, 2026 are 4.55% APY on its 25 Month CD Special, 0.07% APY on savings, 2.35% APY on money market accounts, 0.10% APY on checking, personal loans from 7.99% APR, and credit cards from 12.65% APR, according to rates verified by MonitorBankRates. Other Metro Federal Credit Union CD rates include 15 Month CD Special at 4.35%, 7 Month CD Special at 4.20%, and 12 Month CD at 4.00%. MonitorBankRates evaluates the financial stability of Metro Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.30%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Metro Federal Credit Union
Administrative Offices

14517 F St Ste 211
Omaha, NE 68137-1001

https://www.metrofcu.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 CD Rates

Product	Rate	APY	Term
25 Month Certificate Special	4.458%	4.55%	25 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50% Oct 4, 20264.55%▲ from 4.50% Sep 20, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
15 Month Certificate Special	4.266%	4.35%	15 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
7 Month Certificate Special	4.121%	4.20%	7 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
12 Month Certificate	3.928%	4.00%	12 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 4, 20264.00%▲ from 3.90% Sep 20, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
18 Month Certificate	3.928%	4.00%	18 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 4, 20264.00%▲ from 3.90% Sep 20, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
24 Month Certificate	3.928%	4.00%	24 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 4, 20264.00%▲ from 3.85% Sep 20, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
6 Month Certificate	3.832%	3.90%	6 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85% Oct 4, 20263.90%▲ from 3.85% Sep 20, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
30 Month Certificate	3.687%	3.75%	30 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
36 Month Certificate	3.687%	3.75%	36 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
3 Month Certificate	3.445%	3.50%	3 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.05% → 3.50% ▲ 0.45 pts · high 3.50% / low 3.05% Oct 4, 20263.50%▲ from 3.05% Sep 20, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
48 Month Certificate	3.445%	3.50%	48 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
60 Month Certificate	3.445%	3.50%	60 Month
Min Balance $500 Details Certificate; Balance: $500.00 minimum Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Metro Federal Credit Union Savings Rates

Product	Rate	APY	View More
Share Savings	0.07%	0.07%
Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Metro Federal Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market	2.325%	2.35%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.25% → 2.35% ▲ 0.10 pts · high 2.35% / low 2.25% Sep 17, 20262.35%▲ from 2.25% Sep 12, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Money Market	2.325%	2.35%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.25% → 2.35% ▲ 0.10 pts · high 2.35% / low 2.25% Sep 17, 20262.35%▲ from 2.25% Sep 12, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Money Market	2.08%	2.10%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.00% → 2.10% ▲ 0.10 pts · high 2.10% / low 2.00% Sep 17, 20262.10%▲ from 2.00% Sep 12, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Money Market	1.785%	1.80%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.75% → 1.80% ▲ 0.05 pts · high 1.80% / low 1.75% Sep 17, 20261.80%▲ from 1.75% Sep 12, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Money Market	1.045%	1.05%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.00% → 1.05% ▲ 0.05 pts · high 1.05% / low 1.00% Sep 17, 20261.05%▲ from 1.00% Sep 12, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Metro Federal Credit Union Checking Rates

Product	Rate	APY	View More
Complete Checking	0.10%	0.10%
Min Balance $10,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Metro Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate HELOC	-	-	5.75%	15 years
Details Fixed APR for 5-year term on revolving balance, then variable and tied to WSJ Prime; Variable APR: 6.75%; Rates include 0.50% automatic payment discount; Minimum credit line $10,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Home Equity Line of Credit - Fixed	-	-	5.75%	5 years
Details Variable APR: 6.75%; Fixed APR for 5-year term on revolving balance, then variable and tied to WSJ Prime Rate; 7 or 10 year fixed terms carry higher APR; Advertised rates include 0.50% discount with automatic payments; Minimum credit line $10,000; $250 processing fee applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Metro Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
36 Month or Less Auto Loan	-	-	3.99%	36 Month
Details As Low As; Well qualified borrowers; Minimum loan amount $5,000.00; Advertised rate assumes .50% automatic payment discount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
48 Month Auto Loan	-	-	3.99%	48 months
Details As Low As; Well qualified borrowers; Minimum loan amount $5,000.00; Advertised rate assumes .50% automatic payment discount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Auto Loan	-	-	3.99%	36 Month or Less
Details As Low As; Minimum loan amount: $5,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Auto Loan	-	-	3.99%	48 Month
Details As Low As; Minimum loan amount: $5,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
60 Month Auto Loan	-	-	4.25%	60 months
Details As Low As; Well qualified borrowers; Minimum loan amount $5,000.00; Advertised rate assumes .50% automatic payment discount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Auto Loan	-	-	4.25%	60 Month
Details As Low As; Minimum loan amount: $5,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
72 Month Auto Loan	-	-	4.50%	72 months
Details As Low As; Well qualified borrowers; Minimum loan amount $10,000.00; Advertised rate assumes .50% automatic payment discount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Auto Loan	-	-	4.50%	72 Month
Details As Low As; Minimum loan amount: $10,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
84 Month Auto Loan	-	-	4.99%	84 months
Details As Low As; Well qualified borrowers; Minimum loan amount $20,000.00; Advertised rate assumes .50% automatic payment discount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Auto Loan	-	-	4.99%	84 Month
Details As Low As; Minimum loan amount: $20,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Metro Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum I	-	12.65%
Details APR varies with the market based on the Prime Rate; Credit Card Rates effective as of 10/1/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Oct 4, 202612.65%▲ from 12.40% Sep 12, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Visa Preferred	-	16.00%
Details Promotional offer may apply; APR varies with the market based on the Prime Rate; Credit Card Rates effective as of 10/1/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 15.75% → 16.00% ▲ 0.25 pts · high 16.00% / low 15.75% Oct 4, 202616.00%▲ from 15.75% Sep 12, 202615.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
VISA Platinum ll	-	16.65%
Details APR varies with the market based on the Prime Rate; Credit Card Rates effective as of 10/1/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 16.40% → 16.65% ▲ 0.25 pts · high 16.65% / low 16.40% Oct 4, 202616.65%▲ from 16.40% Sep 12, 202616.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Visa Classic	-	17.99%
Details Fixed APR; Credit Card Rates effective as of 10/1/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 17.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Metro Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.99%	24 Month
Details $2,500; As Low As; New money only; Minimum loan $2,500 or more Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Personal Loan	7.99%	36 Month
Details $2,500; As Low As; New money only; Minimum loan $2,500 or more Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Personal Loan	8.99%	48 Month
Details $2,500; As Low As; New money only; Minimum loan $2,500 or more Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Personal Loan	9.49%	60 Month
Details $2,500; As Low As; New money only; Minimum loan $2,500 or more Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

Metro Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA	0.07%	-	0.07%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

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’s Texas Ratio fell from 1.99% in Q3 2023 to 1.30% 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	$646M	1.30%	5.0	A+
March 31, 2026	$643M	1.06%	5.0	A+
December 31, 2025	$617M	1.49%	5.0	A+
September 30, 2025	$604M	1.31%	5.0	A+
June 30, 2025	$603M	1.46%	5.0	A+
March 31, 2025	$599M	1.30%	5.0	A+
December 31, 2024	$580M	2.09%	5.0	A+
September 30, 2024	$584M	2.09%	5.0	A+
June 30, 2024	$590M	2.41%	5.0	A+
March 31, 2024	$588M	2.41%	5.0	A+
December 31, 2023	$566M	3.00%	5.0	A+
September 30, 2023	$547M	1.99%	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 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Metro Federal Credit Union

Website https://www.metrofcu.org

Address 14517 F St Ste 211, Omaha, NE 68137-1001

Phone 402-551-3052

Fax 402-551-8359

President John White

CEO Michael McDermott

Full-Time Employees 99

Part-Time Employees 6

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.30%

Return on Assets (ROA)

0.5749%

Return on Equity (ROE)

4.5050%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

646,349,729

Total Amount of Shares and Deposits

551,498,242

Total Shares and Deposits < 1 Year

533,504,885

Total Shares and Deposits 1 3 Years

16,070,096

Total Shares and Deposits > 3 Years

1,923,262

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

41,354,935

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

41,354,935

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

510,143,307

Total Interest Expense (Sum of items 6 8)

5,438,455

Share Certificates

7,280

Number of Accounts for Share Drafts

32,850

IRA KEOGH Accounts

1,794

Number of Accounts for Regular Shares

63,272

Money Market Shares

1,563

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)

87,740,230

Total Liabilities

564,959,740

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Metro Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Metro Federal Credit Union

How many branches does Metro Federal Credit Union operate?

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

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

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

Is there a first-time homebuyer program?

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

Are credit management and repair services offered?

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

Does Metro Federal Credit Union offer online and mobile banking?

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

Current Metro Federal Credit Union Rates

12-Month CD4.00%
18-Month CD4.00%
24-Month CD4.00%
60-Month CD3.50%
Savings0.07%
MMA2.35%

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

Compare to Other Credit Unions

Metro Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Metro Federal Credit Union Texas Ratio

Metro Federal Credit Union Health Trend

Metro Federal Credit Union CD Rates

Metro Federal Credit Union Savings Rates

Metro Federal Credit Union Money Market Rates

Metro Federal Credit Union Checking Rates

Metro Federal Credit Union Home Equity & HELOC

Metro Federal Credit Union Auto Loan Rates

Metro Federal Credit Union Credit Card Rates

Metro Federal Credit Union Personal Loan Rates

Metro Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Metro Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Metro Federal Credit Union

How many branches does Metro Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Metro Federal Credit Union offer online and mobile banking?

Current Metro Federal Credit Union Rates

Compare to Other Credit Unions