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

Current rates for Seattle Metropolitan Credit Union include: 12-Month CD: 3.45%, 24-Month CD: 3.45%, 60-Month CD: 3.30%, Savings: 0.00%, MMA: 0.10%

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Seattle Metropolitan Credit Union

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Seattle Metropolitan Credit Union Rates & Review August 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 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%, IRA Jumbo CDs 1 year rates are at 3.80%, IRA Jumbo CDs 2 year rates are at 3.80%, Business Jumbo CD of Deposit - 1 year rates are at 3.70%. Seattle Metropolitan Credit Union's savings rates are at 0.00%. Seattle Metropolitan Credit Union's money market rates are at 0.10%. Seattle Metropolitan Credit Union's Personal Loan Rates are at 10.99%. 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 4.87%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.87%

Excellent Lower than avg

Seattle Metropolitan Credit Union
Corporate Office

1910 1st Ave S
Seattle, WA 98134 1406

https://www.seattlecu.com

Seattle Metropolitan Credit Union CD Rates

Product	Rate	APY	Term
11-month term	-	4.05%	11-month
Min Deposit $1,000 Details New money required. Limited-time offer - take advantage today! Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Special 11 Month New Money CD	3.97%	4.05%	11 Months
Min Deposit $1,000 Details 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. See Certificate Disclosure for complete details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 1 year	3.73%	3.80%	1 year
Min Deposit $50,000 Details 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. Not Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 2 year	3.73%	3.80%	2 year
Min Deposit $50,000 Details 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. Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 1 year	3.63%	3.70%	1 year
Min Deposit $50,000 Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 2 year	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 1 year	3.63%	3.70%	1 year
Min Deposit $50,000 Details Bump Option: Not Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 2 year	3.63%	3.70%	2 year
Min Deposit $50,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Certificate 1 year	3.59%	3.66%	1 year
Min Deposit $1,000 Details Bump Option: Not Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Certificate 2 year	3.59%	3.66%	2 year
Min Deposit $1,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 6 month	3.59%	3.65%	6 month
Min Deposit $50,000 Details 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. Not Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 6 month	3.54%	3.60%	6 month
Min Deposit $50,000 Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 3 year	3.54%	3.60%	3 year
Min Deposit $50,000 Details 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. Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 4 year	3.54%	3.60%	4 year
Min Deposit $50,000 Details 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. Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 5 year	3.54%	3.60%	5 year
Min Deposit $50,000 Details 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. Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 6 month	3.54%	3.60%	6 month
Min Deposit $50,000 Details Bump Option: Not Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Certificate 3 year	3.45%	3.51%	3 year
Min Deposit $1,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Certificate 4 year	3.45%	3.51%	4 year
Min Deposit $1,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Certificate 5 year	3.45%	3.51%	5 year
Min Deposit $1,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 3 year	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 4 year	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit - 5 year	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Certificate 6 month	3.44%	3.50%	6 month
Min Deposit $1,000 Details Bump Option: Not Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 3 year	3.44%	3.50%	3 year
Min Deposit $50,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 4 year	3.44%	3.50%	4 year
Min Deposit $50,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Jumbo Certificate of Deposit - 5 year	3.44%	3.50%	5 year
Min Deposit $50,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
1 year Certificate	3.39%	3.45%	1 year
Min Deposit $1,000 Details Bump Option: Not Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
2 year Certificate	3.39%	3.45%	2 year
Min Deposit $1,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
6 month Certificate	3.34%	3.40%	6 month
Min Deposit $1,000 Details Bump Option: Not Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
3 year Certificate	3.25%	3.30%	3 year
Min Deposit $1,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
4 year Certificate	3.25%	3.30%	4 year
Min Deposit $1,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
5 year Certificate	3.25%	3.30%	5 year
Min Deposit $1,000 Details Bump Option: Eligible Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Seattle Metropolitan Credit Union Savings Rates

Product	Rate	APY
Youth Savings	-	4.00%
Min Balance $0 Details Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Savings	3.25%	3.30%
Min Deposit $1,000 Min Balance $1,000 Details $100,000 or greater Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Savings	3.00%	3.04%
Min Deposit $1,000 Min Balance $1,000 Details $25,000 - $99,999.99 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	1.15%	1.16%
Min Balance $150,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	1.05%	1.06%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	0.85%	0.85%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	0.65%	0.65%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	0.45%	0.45%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Savings	-	0.20%
Min Deposit $5 Details Interest is compounded and credited quarterly. Account transfer and withdrawal limitations apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Membership Savings	0.10%	0.10%
Min Deposit $5 Details Interest Compounded & Credited: Monthly. Transfer and withdrawal limitations apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Subsidiary Savings	0.10%	0.10%
Details Interest Compounded & Credited: Monthly. Transfer and withdrawal limitations apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Subsidiary Savings	0.10%	0.10%
Details Interest Compounded: Quarterly; Interest Credited: Quarterly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Youth Savings	-	0.10%
Min Balance $500 Details Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Savings	0.00%	0.00%
Min Deposit $1,000 Min Balance $1,000 Details $0 - $24,999.99 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Seattle Metropolitan Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Savings Account	1.15%	1.16%
Min Balance $150,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Account	1.15%	1.16%
Min Balance $150,000 Details Interest Compounded: Monthly; Interest Credited: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	1.05%	1.06%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Account	1.05%	1.06%
Min Balance $100,000 Details Interest Compounded: Monthly; Interest Credited: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	0.85%	0.85%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Account	0.85%	0.85%
Min Balance $50,000 Details Interest Compounded: Monthly; Interest Credited: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	0.65%	0.65%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Account	0.65%	0.65%
Min Balance $25,000 Details Interest Compounded: Monthly; Interest Credited: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	0.45%	0.45%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Account	0.45%	0.45%
Min Balance $1,000 Details Interest Compounded: Monthly; Interest Credited: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings Account	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Account	0.10%	0.10%
Min Balance $0 Details Interest Compounded: Monthly; Interest Credited: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Seattle Metropolitan Credit Union Checking Rates

Product	Rate	APY
Premium Commercial Checking Account	2.00%	2.02%
Min Balance $100,000 Details Account available when qualifications for $3 million in lending has been established. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Premium Commercial Checking Account	1.75%	1.76%
Min Balance $50,000 Details Account available when qualifications for $3 million in lending has been established. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Commercial Checking Account	1.50%	1.51%
Min Balance $100,000 Details Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IOLTA Checking	1.50%	1.51%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Premium Commercial Checking Account	1.50%	1.51%
Min Balance $25,000 Details Account available when qualifications for $3 million in lending has been established. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Commercial Checking Account	1.25%	1.26%
Min Balance $50,000 Details Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IOLTA Checking	1.25%	1.26%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Premium Commercial Checking Account	1.25%	1.26%
Min Balance $10,000 Details Account available when qualifications for $3 million in lending has been established. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Commercial Checking Account	1.00%	1.01%
Min Balance $25,000 Details Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IOLTA Checking	1.00%	1.01%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Commercial Checking Account	0.75%	0.75%
Min Balance $10,000 Details Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IOLTA Checking	0.75%	0.75%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Premium Commercial Checking Account	0.55%	0.55%
Min Balance $0 Details Account available when qualifications for $3 million in lending has been established. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Commercial Checking Account	0.05%	0.05%
Min Balance $0 Details Fees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IOLTA Checking	0.05%	0.05%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Youth Checking	-	0.05%
Min Balance $0 Details Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Seattle Metropolitan Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed	-	-	7.24%	5 years
Details LTV up to 70% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Line of Credit (HELOC)	-	-	7.25%
Details As Low As; Equal to Prime +.50 % Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	7.74%	5 years
Details LTV up to 80% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	7.99%	5 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	8.24%	10 years
Details LTV up to 80% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	8.49%	10 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	8.74%	15 years
Details LTV up to 80% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	8.99%	15 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	9.24%	20 years
Details LTV up to 80% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Line of Credit (HELOC)	-	-	9.25%
Details As Low As; Equal to Prime + 2.50 % Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Investment or Rental Property Home Equity Line of Credit (HELOC)	-	-	9.25%
Details As Low As; Equal to Prime +2.50 % Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	9.49%	5 years
Details LTV up to 100% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	9.99%	10 years
Details LTV up to 100% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	10.49%	15 years
Details LTV up to 100% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Equity Fixed	-	-	10.99%	20 years
Details LTV up to 100% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Seattle Metropolitan Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	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. Rate displayed is based on an auto loan with a term of 72 months or less, an 80% LTV, and a vehicle less than 10 years old with fewer than 125,000 miles at the time of financing. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Vehicle Loan	-	-	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. Rate displayed is based on an auto loan with a term of 72 months or less, an 80% LTV, and a vehicle less than 10 years old with fewer than 125,000 miles at the time of financing. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Auto Loan	-	-	8.74%	36 months
Details As low as; Maximum Loan Amount $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Auto Loan	-	-	8.99%	48 months
Details As low as; Maximum Loan Amount $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Auto Loan	-	-	9.49%	60 months
Details As low as; Maximum Loan Amount $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Seattle Metropolitan Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum	-	10.49%
Details Purchases APR; Balance Transfers APR; Cash Advances APR* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
VISA Platinum Secured	-	10.49%
Details Purchases APR; Balance Transfers APR; Cash Advances APR* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Seattle Metropolitan Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans (Unsecured)	-	10.99%
Details As Low As; Rate effective August 26th, 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. Estimated monthly payment based on term of 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

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.
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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 Richard Romero

Full-Time Employees 178

Part-Time Employees 2

Branch Locations 9

ATM Locations 13

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

4.87%

Return on Assets (ROA)

0.2659%

Return on Equity (ROE)

2.1323%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

1,091,936,752

Total Amount of Shares and Deposits

879,719,213

Total Shares and Deposits < 1 Year

859,672,496

Total Shares and Deposits 1 3 Years

16,384,045

Total Shares and Deposits > 3 Years

3,662,672

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

117,165,543

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

117,165,543

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

762,553,670

Total Interest Expense (Sum of items 6 8)

11,981,479

Share Certificates

4,533

Number of Accounts for Share Drafts

34,381

IRA KEOGH Accounts

1,485

Number of Accounts for Regular Shares

55,792

Money Market Shares

3,674

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)

74,518,514

Total Liabilities

1,010,997,080

Source: NCUA — Last Updated 09/30/2025

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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.