Greater Metro Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.greatermetrofcu.org

718-361-1002

31-10 37th Ave Suite 403
Long Island City, NY 11101

Greater Metro Federal Credit Union is headquartered in Long Island City and is the 101^st largest credit union in the state of New York. It is also the 2,020^th largest credit union in the nation. It was established in 1970 and as of March of 2025, it had grown to 10 employees and 3,876 members at 3 locations. Greater Metro Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of The IBM Corporation, The Veteran’s Administration Hospital in Manhattan, Fedcap Rehabilitation Services, General Theological Seminary, and other select employer groups.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Greater Metro Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	20382
Year Chartered	1970
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.04%
Return on Equity - YTD	0.39%
Annual Interest Income	$586K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$81.3MM$86.8MM
Loans	Q1 2025vs Q1 2024	$21.3MM$26.2MM
Deposits	Q1 2025vs Q1 2024	$73MM$78.1MM
Equity Capital	Q1 2025vs Q1 2024	$7.9MM$8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$416K$4.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$550K$5.7MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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Greater Metro Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Regular Share
0.05%	$25	-	Savings Club

Greater Metro Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$500	-	Money Market

Greater Metro Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$100	-	Hifi Draft (Checking)

Greater Metro Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.56%	$500	-	48 Months Share Certificate
3.30%	$500	-	24 Months Share Certificate
3.30%	$500	-	36 Months Share Certificate
3.05%	$500	-	12 Months Share Certificate
2.79%	$500	-	60 Months Share Certificate
2.02%	$500	-	6 Months Share Certificate
1.51%	$500	-	3 Months Share Certificate

Greater Metro Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.56%	$500	-	48 Months IRA Certificate
3.30%	$500	-	24 Months IRA Certificate
3.30%	$500	-	36 Months IRA Certificate
3.05%	$500	-	12 Months IRA Certificate
2.79%	$500	-	60 Months IRA Certificate
2.02%	$500	-	6 Months IRA Certificate
1.51%	$500	-	3 Months IRA Certificate
0.05%	$500	-	IRA Share

Locations

Greater Metro Federal Credit Union Locations
Branch Office	423 E 23rd St	New York, NY 10010-5011
Branch Office	3110 37th Ave	Long Island City, NY 11101-2128
Corporate Office	215 Park Row Suite 2	New York, NY 10038

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