Featured Savings Rates
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Metro Credit Union

Popular Accounts at this Credit Union

1.75%Money MarketOnline Money Market (New Money Only)
1.75%3-year CD36 Month CD
1.85%3-year IRA36 Month IRA (Traditional, Roth, CESA)

Overview / Commentary
200 Revere Beach Pkwy
Chelsea, MA 02150-1608

Metro Credit Union is headquartered in Chelsea and is the 2nd largest credit union in the state of Massachusetts. It is also the 144th largest credit union in the nation. It was established in 1926 and as of March of 2018, it had grown to 280 employees and 199,080 members at 15 locations. Metro Credit Union's money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Metro Credit Union is open to those who live, work, or own a business in Bristol, Essex, Middlesex, Barnstable, Norfolk, Plymouth, Suffolk, or Worcester Counties in Massachusetts.
See current membership details

Related Posts

18-Month CD Special, 2.25% APY - 3/7/2018

Metro CU is running an 18-month CD Special (2.25% APY). Requires a minimum of $500 new money and has to be opened in-branch.

High Yield Savings, 1.75% APY - 2/16/2018

Annual Percentage Yield (APY) based on daily balances for new accounts: 1.75% APY for balances of $25,000 or greater, 0.30% APY for balances of $10,000 to $24,999.99, and 0.25% APY for balances up to $10,000. APY is accurate as of 02/16/18, but may vary after account opening, is subject to change and is based on daily balances. Rates may change throughout the month and will affect the monthly interest payment. Fees may reduce earnings. $10,000 minimum opening deposit is required. Minimum withdrawal fee of $25 if withdrawal is less than $10,000. Low balance fee of $25 if at any time during the month the end of day balance falls below $10,000. NEW MONEY ONLY. Funds on deposit at Metro are not eligible for this offer.

Metro Credit Union (MA) Boosts 36-Month CD Rate By 135 bps - 10/5/2017

Metro Credit Union (eastern Massachusetts) raised the rate on its 36-month CD (2.25% APY) by 135 bps. Minimum deposit is $500, with no stated balance cap.

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Reviews (3)

Service With A Smile

I'm a relatively happy member of the Metro Credit Union here in eastern Massachusetts; this credit union's greatest strength is the customer service you get in person and over the phone; there's always a smiling face willing to go above and beyond to help you with anything...even the credit union's sometimes flaky on-line banking website. Keep in mind, the folks at the branches are TELLERS financial experts. They're really not supposed to get involved in trouble-shooting to see if the website problems are with their own system or the customer's laptop! However, on a recent occasion when I couldn't get one function of the metrocu.org site to work, one of the tellers did bring me and my laptop into an office and double-checked the functions between my computer and a bank's personal computer; she was able to replicate the problem on a bank computer, and forward an IT ticket for resolution. Service With A Smile!

Great for student life and beyond!

I got my first METRO Credit Union account as a graduate student--a simple savings and checking account. From the beginning, METRO has been attentive to my specific needs, and I have remained with them as I have expanded my needs to include a more aggressive savings account, direct deposit, and a personal credit card that they service. Most transactions can be completed online, including opening new accounts and applying for loans. When it is necessary to go into a branch, there is almost always friendly customer service (except during very high-volume periods). They have an extremely reasonable fee structure, great options like overdraft protection, and easily accessible high-yield savings account. From a financial standpoint, I feel very little need to take my business elsewhere. The only areas in which METRO falls short of ideal are its web presence and its limited number of branches. METRO is clearly trying to create a more seamless mobile experience, and it has definitely improved over the 5+ years I have banked with them. But there are still more times than I would like where online banking is down or otherwise inaccessible. Their locations in the city aren't terribly convenient, so in a perfect world they would open a few more branches, but since so much banking can be done online, this doesn't affect my day-to-day experience with METRO very negatively. Ultimately, I would recommend this credit union for its helpfulness, honesty, good products, and constant drive for improvement. It is a great beginner bank for a student, and one that has what it takes to grow with its customers over time.

High Yield Savings Rate

Posted by: pjwright | Feb 22, 2018

Metro is good and for the past two years I have gotten a decent rate from them from their high yield account. However, now they are offering a 1.75% rate but only on new money.
I will probably close my account and move it to either Capital One or UFB since Metro does not give me the new rate.....it is only for new money.


Health Grade Components

NCUA #66364
Year Chartered1926
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.83%
Annual Interest Income$13.2MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1.77B$1.70B
LoansQ1 2018vs Q1 2017$1.50B$1.43B
DepositsQ1 2018vs Q1 2017$1.41B$1.35B
Equity CapitalQ1 2018vs Q1 2017$158.6MM$145.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$7.9MM$7.6MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$2.2MM$1.4MM
Real Estate OwnedQ1 2018vs Q1 2017$100.00K$0
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Always verify rates and promotions with the bank or credit union. We are not Metro Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Metro Credit Union Savings Account Rates

2.00%*-$3kMy Reward Savings
OTHER TIERS: 0.10% $3k+
1.75%*$25k*-High Yield Savings (New Money)
OTHER TIERS: 0.25% Up to $10k | 0.30% $10k - $25k
0.50%$25-IRA Accumulator
0.50%$25-Roth, Education IRA Accumulator
0.10%$25-Regular Savings
0.10%$25-Christmas Club
0.10%$25-Vacation Club
0.10%$25-Business Regular Savings
0.10%$25-SMART Savings

Metro Credit Union Money Market Rates

1.75%*$10k*-Online Money Market (New Money Only)
OTHER TIERS: 0.15% Up to $10k
1.75%*$100k*-Business Money Market-New Money Special
OTHER TIERS: 0.15% Up to $10k | 0.25% $10k - $50k | 0.35% $50k - $100k
0.45%*$100k*-Business Money Market Account
OTHER TIERS: 0.15% Up to $10k | 0.25% $10k - $50k | 0.35% $50k - $100k
0.35%*$75k*-Money Market Account
OTHER TIERS: 0.15% $2k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $75k

Metro Credit Union Checking Account Rates

0.50%*$250k*-Business Interest Checking Account
OTHER TIERS: 0.25% $10k - $50k | 0.35% $50k - $100k | 0.45% $100k - $250k
0.15%$25-Free Business Interest Checking Account

Metro Credit Union CD Rates

2.50%$500-24 Month CD Special
2.50%$500-Business 24 Month CD Special
2.25%$500-18 Month CD Special
2.25%$500-Business 18 Month CD Special
2.10%$500-12 Month CD Special
2.10%$500-Business 12 Month CD Special
1.85%$500-60 Month CD
1.85%$500-Business 60 Month CD
1.75%$500-36 Month CD
1.75%$500-Business 36 Month CD
1.45%$500-24 Month CD
1.45%$500-Business 24 Month CD
1.40%$500-18 Month CD
1.40%$500-Business 18 Month CD
0.90%$500-12 Month CD
0.90%$500-Business 12 Month CD
0.35%$500-6 Month CD
0.25%$500-3 Month CD
0.25%$500-Business 3 Month CD

Metro Credit Union IRA Rates

2.25%$500-20 Month IRA
1.95%$500-60 Month IRA
1.85%$500-36 Month IRA
1.55%$500-24 Month IRA
1.50%$500-18 Month IRA
1.00%$500-12 Month IRA


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