What are the current interest rates at Metro Credit Union?

Current rates for Metro Credit Union include: Savings: 0.10%

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Metro Credit Union

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Metro Credit Union Rates & Review September 2026

Q: How many branches does Metro Credit Union operate?

Metro 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.

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

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

Q: Is there a first-time homebuyer program?

Currently, Metro 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Metro Credit Union's savings rates are at 0.10%. Metro Credit Union's Personal Loan Rates are as low as 12.90%. MonitorBankRates evaluates the financial stability of Metro Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.26%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.26%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Metro Credit Union
Chelsea

200 Revere Beach Pkwy
Chelsea, MA 02150-1608

https://www.metrocu.org

Metro Credit Union Savings Rates

Product	Rate	APY
Secondary Savings	-	0.50%
Min Deposit $5 Min Balance $5,000 Details To be eligible you must establish an automatic transfer from a Metro account to the Secondary Savings. Once the balance in the Secondary Savings reaches the minimum opening deposit as stated in the Truth in Savings Disclosure for a 12 month Certificate of Deposit (CD), Metro will transfer the balance from the Secondary Savings Account to the CD within 2 business days. After the first CD is opened, automatic transfers will a into the Secondary Savings Account and subsequent 12 month CDs will be opened when the Secondary Savings reaches the minimum opening deposit as stated in the Truth in Savings Disclosure. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%
Secondary Savings	-	0.10%
Min Deposit $5 Min Balance $5,000 Details To be eligible you must establish an automatic transfer from a Metro account to the Secondary Savings. Once the balance in the Secondary Savings reaches the minimum opening deposit as stated in the Truth in Savings Disclosure for a 12 month Certificate of Deposit (CD), Metro will transfer the balance from the Secondary Savings Account to the CD within 2 business days. After the first CD is opened, automatic transfers will a into the Secondary Savings Account and subsequent 12 month CDs will be opened when the Secondary Savings reaches the minimum opening deposit as stated in the Truth in Savings Disclosure. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%

Metro Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.90%	Up to 48 Months
Details $25,000.00 Max Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%

Metro Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Celebration Loan	-	-	8.00%	Up to 24 Months
Details $5,000.00 Max Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%
Celebration Loan	-	-	8.25%
Details Automatic payment not selected. Subject to credit approval. Refinance of existing Metro loans ineligible. Cannot be combined with any other offer. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%
Citizenship Loan	-	-	9.90%	Up to 36 Months
Details $5,000.00 Max Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%
Credit Builder Loan	-	-	4.10%	Up to 24 Months
Details Funds remain pledged until loan is paid in full; $3,000.00 Max Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%
Home Improvement Loan	-	-	9.90%	Up to 48 Months
Details $25,000.00 Max Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%
Mass Save Heat Loan	-	-	0.00%	Up to 84 Months**
Details $25,000.00 Max Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%
Metro Credit Line Loan	-	-	13.90%
Details $25,000.00 Max Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%
Prosperity Builder Loan	-	-	8.20%	Up to 36 Months
Details $10,000.00 Max Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Metro Credit Union’s Texas Ratio rose from 1.00% in Q2 2023 to 5.26% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$3.3B	5.26%	5.0	A+
December 31, 2025	$3.3B	2.21%	5.0	A+
September 30, 2025	$3.2B	1.50%	5.0	A+
June 30, 2025	$3.3B	1.63%	5.0	A+
March 31, 2025	$3.4B	1.11%	5.0	A+
December 31, 2024	$3.4B	1.89%	5.0	A+
September 30, 2024	$3.4B	1.42%	5.0	A+
June 30, 2024	$3.5B	1.26%	5.0	A+
March 31, 2024	$3.5B	1.33%	5.0	A+
December 31, 2023	$3.4B	1.53%	5.0	A+
September 30, 2023	$3.3B	1.38%	5.0	A+
June 30, 2023	$3.2B	1.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Metro Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Metro Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Metro Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Metro Credit Union

Website https://www.metrocu.org

Address 200 Revere Beach Pkwy, Chelsea, MA 02150-1608

Phone 877-696-3876

Fax 617-889-7663

President Mark Smoller

CEO Robert Cashman

Full-Time Employees 308

Part-Time Employees 12

Branch Locations 18

ATM Locations 18

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.26%

Return on Assets (ROA)

0.0664%

Return on Equity (ROE)

0.7317%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

3,300,805,189

Total Amount of Shares and Deposits

2,747,831,099

Total Shares and Deposits < 1 Year

2,467,390,959

Total Shares and Deposits 1 3 Years

209,414,023

Total Shares and Deposits > 3 Years

71,026,117

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

384,472,001

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

384,472,001

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

2,363,359,098

Total Interest Expense (Sum of items 6 8)

19,065,817

Share Certificates

15,886

Number of Accounts for Share Drafts

69,110

IRA KEOGH Accounts

3,429

Number of Accounts for Regular Shares

255,050

Non Member Deposits

Money Market Shares

10,893

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)

169,706,412

Total Liabilities

3,007,051,184

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Metro 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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Customer Reviews

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Frequently Asked Questions About Metro Credit Union

How many branches does Metro Credit Union operate?

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

Is a member application needed to join Metro Credit Union?

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

Is there a first-time homebuyer program?

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

Are credit management and repair services offered?

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

Does Metro Credit Union offer online and mobile banking?

Most modern institutions like Metro 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.metrocu.org.