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TOLEDO METRO

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TOLEDO METRO Rates & Review April 2026

Q: How many branches does TOLEDO METRO operate?

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

Q: Is a member application needed to join TOLEDO METRO?

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

Q: Is there a first-time homebuyer program?

Currently, TOLEDO METRO 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 15, 2026

TOLEDO METRO's Personal Loan Rates are at 5.25%. MonitorBankRates evaluates the financial stability of TOLEDO METRO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.30%. Rates were last updated on 04/15/2026.

TOLEDO METRO 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 TOLEDO METRO? Share your experience about TOLEDO METRO by leaving a review below, or read customer reviews before you decide to use TOLEDO METRO.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.30%

Excellent Lower than avg

Brighton Bank TN
Toledo Metro FCU

1212 Adams St
Toledo, OH 43604

http://www.toledometro.com

TOLEDO METRO Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.25%
Details As Low As Last Updated 03/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.07%

TOLEDO METRO Credit Card Rates

Product	Rate	APR
VISA Balance Transfer	-	4.99%
Details Intro rate expires: 03/31/2026; No Balance Transfer Fees! Last Updated 03/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.07%
VISA Credit Cards	-	11.00%
Details As Low As Last Updated 03/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.07%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TOLEDO METRO 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 TOLEDO METRO 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 TOLEDO METRO's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TOLEDO METRO

Website http://www.toledometro.com

Address 1212 Adams St, Toledo, OH 43604

Phone 419-242-4926

Fax 419-242-8550

President David Kovacs

CEO Sariah Flynn

Full-Time Employees 15

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.30%

Return on Assets (ROA)

0.3341%

Return on Equity (ROE)

3.6358%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

58,899,401

Total Amount of Shares and Deposits

53,200,487

Total Shares and Deposits < 1 Year

49,165,874

Total Shares and Deposits 1 3 Years

3,500,617

Total Shares and Deposits > 3 Years

533,996

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

2,467,938

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

2,467,938

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

50,732,549

Total Interest Expense (Sum of items 6 8)

326,773

Share Certificates

512

Number of Accounts for Share Drafts

2,798

IRA KEOGH Accounts

Number of Accounts for Regular Shares

6,034

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

196,793

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,048,740

Total Liabilities

53,486,773

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About TOLEDO METRO

Is TOLEDO METRO a safe place to deposit money?

Yes, TOLEDO METRO is considered a safe financial institution. With a Texas Ratio of 3.2959220548687%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does TOLEDO METRO operate?

TOLEDO METRO 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 TOLEDO METRO?

Yes, to access services at TOLEDO METRO, 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, TOLEDO METRO 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, TOLEDO METRO provides members with tools to manage their accounts and build a solid financial history.

Does TOLEDO METRO offer online and mobile banking?

Most modern institutions like TOLEDO METRO 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: http://www.toledometro.com.