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Seattle Metropolitan Credit Union

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Seattle Metropolitan Credit Union Rates & Review November 2026

Q: What are the current interest rates at Seattle Metropolitan Credit Union?

Current rates for Seattle Metropolitan Credit Union include: 12-Month CD: 3.90%, 24-Month CD: 4.10%, 60-Month CD: 3.30%, Savings: 4.00%, MMA: 1.16%

Q: What CD terms does Seattle Metropolitan Credit Union offer?

Seattle Metropolitan Credit Union CD rates are 3.80% APY for a 6 month CD, 4.35% APY for an 11 month CD, 3.90% APY for a 12 month CD, 4.10% APY for a 2 year CD, 3.30% APY for a 3 year CD and 3.30% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Seattle Metropolitan Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Seattle Metropolitan Credit Union's Steady Growth Starts Here 11-Month CD rates are at 4.35%, 2 Year CD rates are at 4.10%, 1 Year CD rates are at 3.90%, 6 Month CD rates are at 3.80%, 3 Year CD rates are at 3.30%. Seattle Metropolitan Credit Union's savings rates are at 4.00%. Seattle Metropolitan Credit Union's money market rates are at 1.16%. Seattle Metropolitan Credit Union's checking rates are as high as 2.02%. Seattle Metropolitan Credit Union's Personal Loan Rates are as low as 10.99%. Seattle Metropolitan Credit Union's Credit Card Rates are at 10.49%. Seattle Metropolitan Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Seattle Metropolitan Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.30%. Rates last updated and verified on 10/30/2026.

Seattle Metropolitan 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 Seattle Metropolitan Credit Union? Share your experience about Seattle Metropolitan Credit Union by leaving a review below, or read customer reviews before you decide to use Seattle Metropolitan Credit Union.

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

4.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Seattle Metropolitan Credit Union
Corporate Office

1910 1st Ave S
Seattle, WA 98134-1406

https://www.seattlecu.com

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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.

Seattle Metropolitan Credit Union CD Rates

Product	Rate	APY	Term
2 Year IRA Jumbo Certificate	4.36%	4.46%	2 year
Min Deposit $50,000 Details Bump Option: Eligible; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80% Oct 19, 20264.46%▲ from 3.80% Sep 22, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 2 year	4.26%	4.35%	2 year
Min Deposit $50,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Special 11 Month New Money CD	4.26%	4.35%	11 Months
Min Deposit $1,000 Details New Money CD; Bump Option: n/a; New Money is money not on deposit with the credit union in the past 30 days at the time the certificate is opened Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 10, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Steady Growth 11 Month Special CD	-	4.35%	11-month
Min Deposit $1,000 Details Limited-time offer; New money required (money not previously on deposit with the credit union over the past 30 days); APY effective as of 10/09/2026; Business accounts not eligible for the promotion Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Steady Growth Starts Here 11-Month CD	-	4.35%	11-month
Min Deposit $1,000 Details Limited-time offer; New money required; New Money = money not previously on deposit with the credit union in the past 30 days; 4.35% APY effective as of 10/09/2026; business accounts not eligible for the promotion Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
2 Year IRA Certificate	4.22%	4.31%	2 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.31% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year IRA Jumbo Certificate	4.17%	4.26%	1 year
Min Deposit $50,000 Details Bump Option: Not Eligible; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.80% → 4.26% ▲ 0.46 pts · high 4.26% / low 3.80% Oct 19, 20264.26%▲ from 3.80% Sep 22, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 1 year	4.07%	4.15%	1 year
Min Deposit $50,000 Details Bump Option: Not Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year IRA Certificate	4.03%	4.11%	1 year
Min Deposit $1,000 Details Bump Option: Not Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
2 Year Certificate	4.02%	4.10%	2 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month IRA Jumbo Certificate	3.97%	4.05%	6 month
Min Deposit $50,000 Details Bump Option: Not Eligible; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65% Oct 19, 20264.05%▲ from 3.65% Sep 22, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 6 month	3.92%	4.00%	6 month
Min Deposit $50,000 Details Bump Option: Not Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year Certificate	3.83%	3.90%	1 year
Min Deposit $1,000 Details Bump Option: Not Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month IRA Certificate	3.83%	3.90%	6 month
Min Deposit $1,000 Details Bump Option: Not Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month Certificate	3.73%	3.80%	6 month
Min Deposit $1,000 Details Bump Option: Not Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year IRA Jumbo Certificate	3.54%	3.60%	3 year
Min Deposit $50,000 Details Bump Option: Eligible; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year IRA Jumbo Certificate	3.54%	3.60%	4 year
Min Deposit $50,000 Details Bump Option: Eligible; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year IRA Jumbo Certificate	3.54%	3.60%	5 year
Min Deposit $50,000 Details Bump Option: Eligible; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year IRA Certificate	3.45%	3.51%	3 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year IRA Certificate	3.45%	3.51%	4 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year IRA Certificate	3.45%	3.51%	5 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 3 year	3.44%	3.50%	3 year
Min Deposit $50,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 4 year	3.44%	3.50%	4 year
Min Deposit $50,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Jumbo Certificate of Deposit - 5 year	3.44%	3.50%	5 year
Min Deposit $50,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year Certificate	3.25%	3.30%	3 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year Certificate	3.25%	3.30%	4 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year Certificate	3.25%	3.30%	5 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Business CD Rates

Product	Rate	APY	Term
2 Year Business Jumbo Certificate of Deposit	4.26%	4.35%	2 year
Min Deposit $50,000 Details Rate Type: Variable - Member has discretion; Bump Option: Eligible; Interest Compounded: Daily; Interest Credited: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70% Oct 14, 20264.35%▲ from 3.70% Sep 22, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year Business Jumbo Certificate of Deposit	4.07%	4.15%	1 year
Min Deposit $50,000 Details Rate Type: Fixed; Bump Option: Not Eligible; Interest Compounded: Daily; Interest Credited: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70% Oct 14, 20264.15%▲ from 3.70% Sep 22, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
2 Year Business Certificate of Deposit	4.02%	4.10%	2 year
Min Deposit $1,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45% Oct 10, 20264.10%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month Business Jumbo Certificate of Deposit	3.92%	4.00%	6 month
Min Deposit $50,000 Details Rate Type: Fixed; Bump Option: Not Eligible; Interest Compounded: Daily; Interest Credited: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 14, 20264.00%▲ from 3.60% Sep 22, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year Business Certificate of Deposit	3.83%	3.90%	1 year
Min Deposit $1,000 Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45% Oct 10, 20263.90%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month Business Certificate of Deposit	3.73%	3.80%	6 month
Min Deposit $1,000 Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40% Oct 10, 20263.80%▲ from 3.40% Sep 22, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year Business Jumbo Certificate of Deposit	3.44%	3.50%	3 year
Min Deposit $50,000 Details Rate Type: Variable - Member has discretion; Bump Option: Eligible; Interest Compounded: Daily; Interest Credited: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year Business Jumbo Certificate of Deposit	3.44%	3.50%	4 year
Min Deposit $50,000 Details Rate Type: Variable - Member has discretion; Bump Option: Eligible; Interest Compounded: Daily; Interest Credited: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year Business Jumbo Certificate of Deposit	3.44%	3.50%	5 year
Min Deposit $50,000 Details Rate Type: Variable - Member has discretion; Bump Option: Eligible; Interest Compounded: Daily; Interest Credited: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year Business Certificate of Deposit	3.25%	3.30%	3 year
Min Deposit $1,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year Business Certificate of Deposit	3.25%	3.30%	4 year
Min Deposit $1,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year Business Certificate of Deposit	3.25%	3.30%	5 year
Min Deposit $1,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Savings Rates

Product	Rate	APY
Youth Savings	-	4.00%
Min Balance $0 Details Published APY range: 4.00% - 4.07%. Balance: $0 - $499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Savings	-	0.20%
Min Deposit $5 Details Published APY range: 0.20% - 0.20%. Effective as of October 29th, 2026; Interest compounded and credited quarterly; Account transfer and withdrawal limitations apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Membership Savings	0.10%	0.10%
Min Deposit $5 Details Effective as of October 29th, 2026; Interest Compounded: Quarterly; Interest Credited: Quarterly; Balance to Avoid Service Fee: Not applicable; Balance to Earn Stated APY: Not applicable; Transfer and withdrawal limitations apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Subsidiary Savings	0.10%	0.10%
Details Effective as of October 29th, 2026; Interest compounded quarterly; Interest credited quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings Account	1.15%	1.16%
Min Balance $150,000 Details Balance: $150,000.00 or greater; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	1.05%	1.06%
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.45%	0.45%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Membership Savings	0.10%	0.10%
Min Deposit $5 Details Interest compounded monthly and credited monthly; Balance to avoid fees: n/a; Transfer and withdrawal limitations apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 - $999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Subsidiary Savings	0.10%	0.10%
Details Interest compounded monthly; Balance to avoid fees: n/a; Transfer and withdrawal limitations apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.15%	1.16%
Min Balance $150,000 Details Balance: $150,000 or greater; Interest compounded Monthly; Interest credited Monthly; No Minimum Opening Deposit; Account transfer and withdrawal limitations apply; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Money Market Account	1.05%	1.06%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99; Interest compounded Monthly; Interest credited Monthly; No Minimum Opening Deposit; Account transfer and withdrawal limitations apply; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Money Market Account	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Interest compounded Monthly; Interest credited Monthly; No Minimum Opening Deposit; Account transfer and withdrawal limitations apply; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Money Market Account	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Interest compounded Monthly; Interest credited Monthly; No Minimum Opening Deposit; Account transfer and withdrawal limitations apply; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Money Market Account	0.45%	0.45%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99; Interest compounded Monthly; Interest credited Monthly; No Minimum Opening Deposit; Account transfer and withdrawal limitations apply; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings Account	1.15%	1.16%
Min Balance $150,000 Details Balance: $150,000.00 or greater; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	1.05%	1.06%
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.45%	0.45%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 - $999.99; Interest compounded & credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Checking Rates

Product	Rate	APY
Youth Checking	-	0.05%
Min Balance $0 Details Balance: $0.00 - $500.00; Account limited to those under 18 years of age; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Youth Checking	-	0.05%
Min Balance $500 Details Balance: $500.01 or greater; Account limited to those under 18 years of age; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Business Checking Rates

Product	Rate	APY
Premium Commercial Checking Account	2.00%	2.02%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	2.00%	2.02%
Min Balance $250,000 Details Balance: $250,000.00 or greater; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	1.75%	1.76%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	1.50%	1.51%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Interest compounded monthly; Interest credited monthly; $25,000 minimum balance to avoid monthly $30 service fee; Fees could reduce earnings Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	1.50%	1.51%
Min Balance $250,000 Details Balance: $250,000.00 or greater; Interest compounded monthly; Interest credited monthly; $25,000 minimum balance to avoid monthly $30 service fee; Fees could reduce earnings Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	1.50%	1.51%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	1.25%	1.26%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest compounded monthly; Interest credited monthly; $25,000 minimum balance to avoid monthly $30 service fee; Fees could reduce earnings Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	1.25%	1.26%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	1.00%	1.01%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest compounded monthly; Interest credited monthly; $25,000 minimum balance to avoid monthly $30 service fee; Fees could reduce earnings Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Interest compounded monthly; Interest credited monthly; $25,000 minimum balance to avoid monthly $30 service fee; Fees could reduce earnings Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	0.55%	0.55%
Min Balance $0 Details Balance: $0.00 - $9,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99; Interest compounded monthly; Interest credited monthly; $25,000 minimum balance to avoid monthly $30 service fee; Fees could reduce earnings Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed	-	-	7.24%	5 years
Details As Low As; LTV: up to 70%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	7.25%
Details As Low As; LTV up to 80%; Owner occupied and 2nd homes; Equal to Prime +.50% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	7.74%	5 years
Details As Low As; LTV: up to 80%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 7.74% ▼ 0.25 pts · high 7.99% / low 7.74% Sep 22, 20267.74%▼ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	7.74%	10 years
Details As Low As; LTV: up to 70%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 7.74% ▼ 0.75 pts · high 8.49% / low 7.74% Sep 22, 20267.74%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	7.99%	5 years
Details As Low As; LTV: up to 90%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.24%	10 years
Details As Low As; LTV: up to 80%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.24% ▼ 0.25 pts · high 8.49% / low 8.24% Sep 22, 20268.24%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.24%	15 years
Details As Low As; LTV: up to 70%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 8.24% ▼ 0.75 pts · high 8.99% / low 8.24% Sep 22, 20268.24%▼ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.49%	10 years
Details As Low As; LTV: up to 90%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.74%	15 years
Details As Low As; LTV: up to 80%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 8.74% ▼ 0.25 pts · high 8.99% / low 8.74% Sep 22, 20268.74%▼ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.74%	20 years
Details As Low As; LTV: up to 70%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.24% → 8.74% ▼ 0.50 pts · high 9.24% / low 8.74% Sep 22, 20268.74%▼ from 9.24% Sep 14, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.99%	15 years
Details As Low As; LTV: up to 90%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	9.24%	20 years
Details As Low As; LTV: up to 80%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	9.25%
Details As Low As; LTV up to 100%; Owner occupied and 2nd homes; Equal to Prime + 2.50% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Investment or Rental Property Home Equity Line of Credit (HELOC)	-	-	9.25%
Details As Low As; LTV up to 75%; Equal to Prime +2.50%; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	9.49%	5 years
Details As Low As; LTV: up to 100%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 9.49% ▲ 1.50 pts · high 9.49% / low 7.99% Sep 22, 20269.49%▲ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	9.49%	20 years
Details As Low As; LTV: up to 90%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.24% → 9.49% ▲ 0.25 pts · high 9.49% / low 9.24% Sep 22, 20269.49%▲ from 9.24% Sep 14, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	9.99%	10 years
Details As Low As; LTV: up to 100%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	10.49%	15 years
Details As Low As; LTV: up to 100%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	10.99%	20 years
Details As Low As; LTV: up to 100%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle Loan - 36 months	-	-	5.74%	36 months
Details As Low As; Maximum Loan Amount: $150,000; New or used, models 10 years and newer; Rate based on term of 72 months or less, 80% LTV, vehicle under 10 years old with fewer than 125,000 miles Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto & Motorcycle Loan - 48 months	-	-	5.74%	48 months
Details As Low As; Maximum Loan Amount: $150,000; New or used, models 10 years and newer; Rate based on term of 72 months or less, 80% LTV, vehicle under 10 years old with fewer than 125,000 miles Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto & Motorcycle Loan - 60 months	-	-	5.74%	60 months
Details As Low As; Maximum Loan Amount: $150,000; New or used, models 10 years and newer; Rate based on term of 72 months or less, 80% LTV, vehicle under 10 years old with fewer than 125,000 miles Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto & Motorcycle Loan - 72 months	-	-	5.74%	72 months
Details As Low As; Maximum Loan Amount: $150,000; New or used, models 10 years and newer; Rate based on term of 72 months or less, 80% LTV, vehicle under 10 years old with fewer than 125,000 miles Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto & Motorcycle Loan - 84 months	-	-	6.24%	84 months
Details As Low As; Maximum Loan Amount: $150,000; New or used, models 10 years and newer; Rate based on term of 72 months or less, 80% LTV, vehicle under 10 years old with fewer than 125,000 miles Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV & Boat Loans	-	8.49%	84 months
Details As Low As; Maximum Loan Amount: $250,000; New or Used, Models 10 Years and Newer; Add 0.50% for loan-to-value > 80%; Add 2.00% for model years 10 years and older Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
RV & Boat Loans	-	8.99%	120 months
Details As Low As; Maximum Loan Amount: $250,000; New or Used, Models 10 Years and Newer; Add 0.50% for loan-to-value > 80%; Add 2.00% for model years 10 years and older Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
RV & Boat Loans	-	9.49%	144 months
Details As Low As; Maximum Loan Amount: $250,000; New or Used, Models 10 Years and Newer; Add 0.50% for loan-to-value > 80%; Add 2.00% for model years 10 years and older Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
RV & Boat Loans	-	9.99%	180 months
Details As Low As; Maximum Loan Amount: $250,000; New or Used, Models 10 Years and Newer; Add 0.50% for loan-to-value > 80%; Add 2.00% for model years 10 years and older Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Credit Card Rates

Product	Rate	APR
VISA Low-Rate	-	10.49%
Details Published APR range: 10.49% - 25.49%. Variable APR for Purchases, Balance Transfers and Cash Advances; no interest on purchases if entire balance paid within 25 days of statement closing; average daily balance (including new purchases) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
VISA Platinum Rewards	-	12.99%
Details Purchases, Balance Transfers and Cash Advances APR range 12.99% - 28.74% (variable); no interest on purchases if entire balance paid within 25 days of statement closing; cash advances and balance transfers accrue interest from transaction date Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans (Unsecured)	10.99%	Up to 60 months
Details As Low As; Maximum Loan Amount: $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Lightning Loans	24.99%	-	24.99%	Up to 24 months
Details Maximum Loan Amount: $2,000; Fixed Interest Rate Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 24.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Revolving Line of Credit	-	-	10.99%
Details As Low As; APR range 10.99%-24.99%; Maximum Loan Amount $25,000; APR effective October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

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

Seattle Metropolitan Credit Union’s Texas Ratio rose from 2.98% in Q3 2023 to 4.30% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.2B	4.30%	5.0	A+
March 31, 2026	$1.1B	4.50%	5.0	A+
December 31, 2025	$1.1B	4.92%	5.0	A+
September 30, 2025	$1.1B	4.87%	5.0	A+
June 30, 2025	$1.1B	4.06%	5.0	A+
March 31, 2025	$1.1B	4.11%	5.0	A+
December 31, 2024	$1.1B	6.41%	5.0	A
September 30, 2024	$1.1B	5.27%	5.0	A+
June 30, 2024	$1.1B	5.45%	5.0	A+
March 31, 2024	$1.1B	5.13%	5.0	A+
December 31, 2023	$1.1B	4.63%	5.0	A+
September 30, 2023	$1.1B	2.98%	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 Seattle Metropolitan 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 Seattle Metropolitan 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 Seattle Metropolitan Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Seattle Metropolitan Credit Union

Website https://www.seattlecu.com

Address 1910 1st Ave S, Seattle, WA 98134-1406

Phone 206-398-5500

Fax 206-398-5516

President Robin Harmon

CEO Michael Cruz

Full-Time Employees 173

Part-Time Employees 3

Branch Locations 8

ATM Locations 10

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

4.30%

Return on Assets (ROA)

0.0182%

Return on Equity (ROE)

0.1581%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

1,169,727,053

Total Amount of Shares and Deposits

921,093,136

Total Shares and Deposits < 1 Year

872,066,017

Total Shares and Deposits 1 3 Years

29,463,794

Total Shares and Deposits > 3 Years

19,563,325

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

134,904,454

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

134,904,454

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

786,188,682

Total Interest Expense (Sum of items 6 8)

10,387,991

Share Certificates

4,290

Number of Accounts for Share Drafts

32,881

IRA KEOGH Accounts

1,407

Number of Accounts for Regular Shares

51,256

Non Member Deposits

Money Market Shares

3,775

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)

75,650,944

Total Liabilities

1,087,796,559

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Seattle Metropolitan Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Seattle Metropolitan Credit Union

Does Seattle Metropolitan Credit Union offer CDs?

Yes. Seattle Metropolitan Credit Union current CD rates include its Steady Growth Starts Here 11-Month CD at 4.35% APY, its 2 Year CD at 4.10% APY and its 1 Year CD at 3.90% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Seattle Metropolitan Credit Union NCUA insured?

Yes. Seattle Metropolitan Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Seattle Metropolitan Credit Union?

The highest Seattle Metropolitan Credit Union CD rate is its 2 Year IRA Jumbo CD at 4.46% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Seattle Metropolitan Credit Union offer?

Seattle Metropolitan Credit Union CD rates are 3.80% APY for a 6 month CD, 4.35% APY for an 11 month CD, 3.90% APY for a 12 month CD, 4.10% APY for a 2 year CD, 3.30% APY for a 3 year CD and 3.30% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Seattle Metropolitan Credit Union for its full lineup.

What is the highest savings rate at Seattle Metropolitan Credit Union?

The highest Seattle Metropolitan Credit Union savings rate is its Youth Savings at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Seattle Metropolitan Credit Union?

The highest Seattle Metropolitan Credit Union money market rate is its Business Money Market Savings Account at 1.16% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Seattle Metropolitan Credit Union?

The highest Seattle Metropolitan Credit Union checking rate is its Premium Commercial Checking Account at 2.02% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Seattle Metropolitan Credit Union?

The lowest Seattle Metropolitan Credit Union auto loan rate is its Auto & Motorcycle Loan - 36 months at 5.74% APR, verified by MonitorBankRates as of October 30, 2026. Seattle Metropolitan Credit Union auto loan rates are 5.74% APR for a 36 month auto loan, 5.74% APR for a 48 month auto loan, 5.74% APR for a 60 month auto loan, 5.74% APR for a 72 month auto loan and 6.24% APR for an 84 month auto loan.

What is the lowest personal loan rate at Seattle Metropolitan Credit Union?

The lowest Seattle Metropolitan Credit Union personal loan rate is its Personal Loans (Unsecured) at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Seattle Metropolitan Credit Union?

The lowest Seattle Metropolitan Credit Union credit card APR is its VISA Low-Rate Credit Card at 10.49% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Seattle Metropolitan Credit Union operate?

Seattle Metropolitan 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 Seattle Metropolitan Credit Union?

Yes, to access services at Seattle Metropolitan 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, Seattle Metropolitan 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, Seattle Metropolitan Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Seattle Metropolitan Credit Union offer online and mobile banking?

Most modern institutions like Seattle Metropolitan 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.seattlecu.com.

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 Seattle Metropolitan Credit Union rates compare?

Seattle Metropolitan Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. Seattle Metropolitan Credit Union's top rates are its 2 Year IRA Jumbo CD at 4.46% APY, its Youth Savings at 4.00% APY, its Money Market Account at 1.16% APY, its Premium Commercial Checking Account at 2.02% APY, its Personal Loans (Unsecured) at 10.99% APR and its VISA Low-Rate Credit Card at 10.49% APR, verified by MonitorBankRates on October 30, 2026.

Current Seattle Metropolitan Credit Union Rates

12-Month CD3.90%
24-Month CD4.10%
60-Month CD3.30%
Savings4.00%
MMA1.16%

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

Compare to Other Credit Unions

Seattle Metropolitan Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Seattle Metropolitan Credit Union Texas Ratio

Seattle Metropolitan Credit Union Health Trend

Seattle Metropolitan Credit Union CD Rates

Seattle Metropolitan Credit Union Business CD Rates

Seattle Metropolitan Credit Union Savings Rates

Seattle Metropolitan Credit Union Business Savings Rates

Seattle Metropolitan Credit Union Money Market Rates

Seattle Metropolitan Credit Union Business Money Market Rates

Seattle Metropolitan Credit Union Checking Rates

Seattle Metropolitan Credit Union Business Checking Rates

Seattle Metropolitan Credit Union Home Equity & HELOC

Seattle Metropolitan Credit Union Auto Loan Rates

Seattle Metropolitan Credit Union RV, Boat and Powersport Loan Rates

Seattle Metropolitan Credit Union Credit Card Rates

Seattle Metropolitan Credit Union Personal Loan Rates

Seattle Metropolitan Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Seattle Metropolitan Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Seattle Metropolitan Credit Union

Does Seattle Metropolitan Credit Union offer CDs?

Are CDs from Seattle Metropolitan Credit Union NCUA insured?

What is the highest CD rate at Seattle Metropolitan Credit Union?

What CD terms does Seattle Metropolitan Credit Union offer?

What is the highest savings rate at Seattle Metropolitan Credit Union?

What is the highest money market rate at Seattle Metropolitan Credit Union?

What is the highest checking rate at Seattle Metropolitan Credit Union?

What is the lowest auto loan rate at Seattle Metropolitan Credit Union?

What is the lowest personal loan rate at Seattle Metropolitan Credit Union?

What is the lowest credit card APR at Seattle Metropolitan Credit Union?

How many branches does Seattle Metropolitan Credit Union operate?

Is a member application needed to join Seattle Metropolitan Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Seattle Metropolitan Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Seattle Metropolitan Credit Union rates compare?

Current Seattle Metropolitan Credit Union Rates

Compare to Other Credit Unions