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Seattle Metropolitan Credit Union Rates & Review September 2026

Seattle Metropolitan Credit Union's 11-month term rates are at 4.05%, Special 11 Month New Money CD rates are at 4.05%, 1 Year IRA Jumbo CD rates are at 3.80%, 2 Year IRA Jumbo CD rates are at 3.80%, 1 Year Business Jumbo CD of Deposit rates are at 3.70%. Seattle Metropolitan Credit Union's savings rates are at 0.10%. Seattle Metropolitan Credit Union's money market rates are at 0.45%. 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%. 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 4.50%. Rates last updated and verified on 09/22/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 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 ?
4.50%
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
Member NCUA

Seattle Metropolitan Credit Union CD Rates

Product Rate APY Term View More
11-month term - 4.05% 11-month
Min Deposit $1,000
Details New money required; Limited-time offer - take advantage today!
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Special 11 Month New Money CD 3.97% 4.05% 11 Months
Min Deposit $1,000
Details New Money** CD. New Money** is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria is not met when a certificate is opened. A penalty may be imposed for early withdrawal, which could reduce earnings. See Certificate Disclosure for complete details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
1 Year IRA Jumbo Certificate 3.73% 3.80% 1 year
Min Deposit $50,000
Details Bump Option: Not Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
2 Year IRA Jumbo Certificate 3.73% 3.80% 2 year
Min Deposit $50,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
1 Year Business Jumbo Certificate of Deposit 3.63% 3.70% 1 year
Min Deposit $50,000
Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
1 Year Jumbo Certificates of Deposit 3.63% 3.70% 1 year
Min Deposit $50,000
Details Bump Option: Not Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
2 Year Business Jumbo Certificate of Deposit 3.63% 3.70% 2 year
Min Deposit $50,000
Details Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
2 Year Jumbo Certificates of Deposit 3.63% 3.70% 2 year
Min Deposit $50,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
1 Year IRA Certificates 3.59% 3.66% 1 year
Min Deposit $1,000
Details Bump Option: Not Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
2 Year IRA Certificates 3.59% 3.66% 2 year
Min Deposit $1,000
Details Bump Option: Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
6 Month IRA Jumbo Certificate 3.59% 3.65% 6 month
Min Deposit $50,000
Details Bump Option: Not Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
3 Year IRA Jumbo Certificate 3.54% 3.60% 3 year
Min Deposit $50,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
4 Year IRA Jumbo Certificate 3.54% 3.60% 4 year
Min Deposit $50,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
5 Year IRA Jumbo Certificate 3.54% 3.60% 5 year
Min Deposit $50,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
6 Month Business Jumbo Certificate of Deposit 3.54% 3.60% 6 month
Min Deposit $50,000
Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
6 Month Jumbo Certificates of Deposit 3.54% 3.60% 6 month
Min Deposit $50,000
Details Bump Option: Not Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
3 Year IRA Certificates 3.45% 3.51% 3 year
Min Deposit $1,000
Details Bump Option: Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
4 Year IRA Certificates 3.45% 3.51% 4 year
Min Deposit $1,000
Details Bump Option: Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
5 Year IRA Certificates 3.45% 3.51% 5 year
Min Deposit $1,000
Details Bump Option: Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
3 Year Business Jumbo Certificate of Deposit 3.44% 3.50% 3 year
Min Deposit $50,000
Details Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
3 Year Jumbo Certificates of Deposit 3.44% 3.50% 3 year
Min Deposit $50,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
4 Year Business Jumbo Certificate of Deposit 3.44% 3.50% 4 year
Min Deposit $50,000
Details Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
4 Year Jumbo Certificates of Deposit 3.44% 3.50% 4 year
Min Deposit $50,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
5 Year Business Jumbo Certificate of Deposit 3.44% 3.50% 5 year
Min Deposit $50,000
Details Rate Type: Variable -Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
5 Year Jumbo Certificates of Deposit 3.44% 3.50% 5 year
Min Deposit $50,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
6 Month IRA Certificates 3.44% 3.50% 6 month
Min Deposit $1,000
Details Bump Option: Not Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
1 Year Business Certificate of Deposit 3.39% 3.45% 1 year
Min Deposit $1,000
Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
1 Year Certificates 3.39% 3.45% 1 year
Min Deposit $1,000
Details Bump Option: Not Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
2 Year Business Certificate of Deposit 3.39% 3.45% 2 year
Min Deposit $1,000
Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
2 Year Certificates 3.39% 3.45% 2 year
Min Deposit $1,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
6 Month Business Certificate of Deposit 3.34% 3.40% 6 month
Min Deposit $1,000
Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
6 Month Certificates 3.34% 3.40% 6 month
Min Deposit $1,000
Details Bump Option: Not Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
3 Year Certificates 3.25% 3.30% 3 year
Min Deposit $1,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
4 Year Certificates 3.25% 3.30% 4 year
Min Deposit $1,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
5 Year Certificates 3.25% 3.30% 5 year
Min Deposit $1,000
Details Bump Option: Eligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union Savings Rates

Product Rate APY View More
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
IRA Savings - 0.20%
Min Deposit $5
Details Published APY range: 0.20% - 0.20%.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Business Membership Savings 0.10% 0.10%
Min Deposit $5
Details Interest Compounded & Credited: Monthly; Limitations: Transfer and withdrawal limitations apply.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Business Money Market Savings Account 0.10% 0.10%
Min Balance $0
Details Balance: $0.00 - $999.99; Interest Compounded & Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Business Subsidiary Savings 0.10% 0.10%
Details Interest Compounded & Credited: Monthly; Limitations: Transfer and withdrawal limitations apply.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Membership Savings 0.10% 0.10%
Min Deposit $5
Details Interest Compounded/Credited: Quarterly; Balance to Avoid Service Fee: Not applicable; Balance to Earn Stated APY: Not applicable; Limitations: Transfer and withdrawal limitations apply
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Subsidiary Savings 0.10% 0.10%
Details Interest Compounded: Quarterly; Interest Credited: Quarterly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Youth Savings - 0.10%
Min Balance $500
Details Balance: $500 or greater**; Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings; APY range: 0.10% - 4.07% to 0.30%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union Money Market Rates

Product Rate APY View More
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Money Market Account 1.15% 1.16%
Min Balance $150,000
Details Balance: $150,000 or greater; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Money Market Account 1.05% 1.06%
Min Balance $100,000
Details Balance: $100,000 - $149,999.99; Balance: $100,000 - $149,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Money Market Account 0.85% 0.85%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Money Market Account 0.65% 0.65%
Min Balance $25,000
Details Balance: $25,000 to $49,999.99; Balance: $25,000 to $49,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Money Market Account 0.45% 0.45%
Min Balance $1,000
Details Balance: $1,000 - $24,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Business Money Market Savings Account 0.10% 0.10%
Min Balance $0
Details Balance: $0.00 - $999.99; Interest Compounded & Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union Checking Rates

Product Rate APY View More
Premium Commercial Checking Account 2.00% 2.02%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99; Account available when qualifications for $3 million in lending has been established.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Premium Commercial Checking Account 2.00% 2.02%
Min Balance $250,000
Details Balance: $250,000.00 or greater; Account available when qualifications for $3 million in lending has been established.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Premium Commercial Checking Account 1.75% 1.76%
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99; Account available when qualifications for $3 million in lending has been established.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Commercial Checking Account 1.50% 1.51%
Min Balance $250,000
Details Balance: $250,000.00 or greater; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
IOLTA Checking 1.50% 1.51%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
IOLTA Checking 1.50% 1.51%
Min Balance $250,000
Details Balance: $250,000.00 or greater; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Premium Commercial Checking Account 1.50% 1.51%
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99; Account available when qualifications for $3 million in lending has been established.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
IOLTA Checking 1.25% 1.26%
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Premium Commercial Checking Account 1.25% 1.26%
Min Balance $10,000
Details Balance: $10,000.00 - $24,999.99; Account available when qualifications for $3 million in lending has been established.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
IOLTA Checking 1.00% 1.01%
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
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
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
IOLTA Checking 0.75% 0.75%
Min Balance $10,000
Details Balance: $10,000.00 - $24,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Premium Commercial Checking Account 0.55% 0.55%
Min Balance $0
Details Balance: $0.00 - $9,999.99; Account available when qualifications for $3 million in lending has been established.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Commercial Checking Account 0.05% 0.05%
Min Balance $0
Details Balance: $0.00 - $9,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
IOLTA Checking 0.05% 0.05%
Min Balance $0
Details Balance: $0.00 - $9,999.99; Interest Compounded: Monthly; Interest Credited: Monthly
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Youth Checking - 0.05%
Min Balance $0
Details Balance: $0.00 - $500.00; Account limited to those under 18 years of age.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Youth Checking - 0.05%
Min Balance $500
Details Balance: $500.01 or greater**; Account limited to those under 18 years of age.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Fixed - - 7.24% 5 years
Details LTV: up to 70%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Line of Credit (HELOC) - - 7.25%
Details LTV: up to 80%; Rate: Prime +.50 %
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 7.74% 5 years
Details LTV: up to 80%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 7.74% 10 years
Details LTV: up to 70%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 7.99% 5 years
Details LTV: up to 90%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 8.24% 10 years
Details LTV: up to 80%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 8.24% 15 years
Details LTV: up to 70%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 8.49% 10 years
Details LTV: up to 90%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 8.74% 15 years
Details LTV: up to 80%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 8.74% 20 years
Details LTV: up to 70%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 8.99% 15 years
Details LTV: up to 90%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 9.24% 20 years
Details LTV: up to 80%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Line of Credit (HELOC) - - 9.25%
Details LTV: up to 100%; Rate: Prime + 2.50%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Investment or Rental Property Home Equity Line of Credit (HELOC) - - 9.25%
Details LTV: up to 75%; Rate: Equal to Prime +2.50 %
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 9.49% 5 years
Details LTV: up to 100%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 9.49% 20 years
Details LTV: up to 90%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 9.99% 10 years
Details LTV: up to 100%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 10.49% 15 years
Details LTV: up to 100%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Home Equity Fixed - - 10.99% 20 years
Details LTV: up to 100%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer) - - 5.24% 36 months
Details As Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer) - - 5.24% 48 months
Details As Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer) - - 5.24% 60 months
Details As Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer) - - 5.24% 72 months
Details As Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer) - - 5.74% 84 months
Details As Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RV & Boat Loans (New or Used, Models 10 Years and Newer) - 8.49% 84 months
Details Add 0.50% for loan-to-value > 80%. Add 2.00% for model years 10 years and older. Rate effective September 22nd, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206-398-5500 or 800-334-2489 for further details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
RV & Boat Loans (New or Used, Models 10 Years and Newer) - 8.99% 120 months
Details Add 0.50% for loan-to-value > 80%. Add 2.00% for model years 10 years and older. Rate effective September 22nd, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206-398-5500 or 800-334-2489 for further details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
RV & Boat Loans (New or Used, Models 10 Years and Newer) - 9.49% 144 months
Details Add 0.50% for loan-to-value > 80%. Add 2.00% for model years 10 years and older. Rate effective September 22nd, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206-398-5500 or 800-334-2489 for further details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
RV & Boat Loans (New or Used, Models 10 Years and Newer) - 9.99% 180 months
Details Add 0.50% for loan-to-value > 80%. Add 2.00% for model years 10 years and older. Rate effective September 22nd, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206-398-5500 or 800-334-2489 for further details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union Credit Card Rates

Product Rate APR View More
VISA Platinum - 10.49%
Details Purchases APR*; Balance Transfers APR*; Cash Advances APR*; APR range: 10.49% - 25.49% (variable)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans (Unsecured) 10.99% Up to 60 months
Details Maximum Loan Amount: $25,000; Estimated monthly payment based on term of 60 months.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Seattle Metropolitan Credit Union Other Rates

Product Rate Points APY/APR Term View More
Lightning Loans 24.99% - 24.99% Up to 24 months
Details APR=Annual Percentage Rate. APR is current as of September 22nd, 2026 and will vary based on loan amount, term and applicable fees. Estimated monthly payment based on $2,000 borrowed for 24 months. Rates are subject to change at any time. Rates and financing are offered based on applicants' credit qualifications and other underwriting criteria, including but not limited to credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%
Revolving Line of Credit - - 10.99% Revolving Line of Cr
Details Term: Revolving Line of Credit; Published APR range: 10.99%-24.99%. Maximum Loan Amount: $25,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.50%

Financial Health History

Seattle Metropolitan Credit Union’s Texas Ratio rose from 3.45% in Q2 2023 to 4.50% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.45% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 4.50% A+ Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$1.1B4.50%5.0A+
December 31, 2025$1.1B4.92%5.0A+
September 30, 2025$1.1B4.87%5.0A+
June 30, 2025$1.1B4.06%5.0A+
March 31, 2025$1.1B4.11%5.0A+
December 31, 2024$1.1B6.41%5.0A
September 30, 2024$1.1B5.27%5.0A+
June 30, 2024$1.1B5.45%5.0A+
March 31, 2024$1.1B5.13%5.0A+
December 31, 2023$1.1B4.63%5.0A+
September 30, 2023$1.1B2.98%5.0A+
June 30, 2023$1.1B3.45%5.0A+
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
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 181
Part-Time Employees 2
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
4.50%
Return on Assets (ROA)
-0.0802%
Return on Equity (ROE)
-0.6843%
Non-Performing Loans Ratio (NPL)
0.67%
Total Assets
1,138,583,298
Total Amount of Shares and Deposits
915,649,089
Total Shares and Deposits < 1 Year
876,180,089
Total Shares and Deposits 1 3 Years
28,150,423
Total Shares and Deposits > 3 Years
11,318,577
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
129,397,052
Total Uninsured Shares and Deposits > $250K (F+J)
129,397,052
Total Insured Shares and Deposits > $250K (item 17 less item K)
786,252,037
Total Interest Expense (Sum of items 6 8)
4,655,546
Share Certificates
4,266
Number of Accounts for Share Drafts
32,951
IRA KEOGH Accounts
1,418
Number of Accounts for Regular Shares
51,723
Non Member Deposits
4
Money Market Shares
3,762
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)
67,396,964
Total Liabilities
1,057,738,382
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Seattle Metropolitan Credit Union 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Seattle Metropolitan Credit Union

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.

Current Seattle Metropolitan Credit Union Rates

  • 12-Month CD3.45%
  • 24-Month CD3.45%
  • 60-Month CD3.30%
  • Savings0.10%
  • MMA0.45%
Retrieved from our database of financial products. Rates subject to change.