Metro Credit Union

Overview / Commentary
200 Revere Beach Pkwy
Chelsea, MA 02150

Metro Credit Union is headquartered in Chelsea and is the 2nd largest credit union in the state of Massachusetts. It is also the 133rd largest credit union in the nation. It was established in 1926 and as of March of 2024, it had grown to 312 employees and 209,002 members at 19 locations. Metro Credit Union's money market rates are 10X 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, attend school or own a business in the Massachusetts counties of Barnstable, Bristol, Essex, Hampden, Hampshire, Franklin, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester, or in the New Hampshire counties of Hillsborough, Cheshire, or Rockingham.
See current membership details

Related Posts

Metro Credit Union (MA/NH) Boosts Rate of 18-Month CD/IRA Special - 11/20/2023

Metro Credit Union (MA/NH) recently added 90 bps to its 18-month CD and IRA CD Special. $500 min opening deposit, with some new money required.

Metro Credit Union (MA/NH) 24-Month CD Special Is A Rate-Leader - 8/3/2023

Metro Credit Union (MA/NH) recently boosted the rates on its 24-month CD and IRA CD Specials to rate-leading levels. $500 min opening deposit, with new money required.

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Reviews (3)

Pay My Bills

Posted by: |

I have opened money market last October at Metro.This account has an option to pay bills. I tried to sign up for that feature multiple times.Every time I got error message that it is not available at this time.I called customer service multiple times.They had no idea how to fix it.Every time I called them I was told that somebody will call me the next day with information regarding this issue They never called me.So now I decided to close my account.Those people are not trained properly. Very annoying experience.

Impossible To Dispute An Issue

Posted by: |

Have a house mortgage with Metro, which was working fine until they transitioned between systems and there was a hickup in the auto-transfer from my external bank account. Two payments were missed until I was notified at which point I immediately payed the balance and restarted the auto-transfer. Got dinged with late fees and late payment in my credit report.

I've been calling Metro about this six times now and each time they tell me that this will be resolved since it wasn't my fault and that somebody will reach out to me. However, nobody ever calls.

Very frustrating.

Stay Away.

Posted by: |

Absolute garbage bank. NO professionalism and NO intelligence. You money IS NOT SAFE HERE! The staffing is inept and unknowledgeable in their supposed fields. Personal information is not handled properly and has a high risk of being lost or stolen.


Health Grade Components

NCUA #66364
Year Chartered1926
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.84%
Annual Interest Income$36.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.46B$3.19B
LoansQ1 2024vs Q1 2023$2.96B$2.8B
DepositsQ1 2024vs Q1 2023$2.75B$2.57B
Equity CapitalQ1 2024vs Q1 2023$259MM$244.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$14.3MM$12MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.8MM$2.6MM
Real Estate OwnedQ1 2024vs Q1 2023$0$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

5.00%*$10k*-High Yield Savings - New Money
OTHER TIERS: 0.50% $0 - $10k
5.00%*$10k*-Business High Yield Savings - New Money
OTHER TIERS: 0.50% $0 - $10k
3.00%*$0$3kMembership Savings w/Metro Checking
OTHER TIERS: 0.10% $3k+
0.50%$25-IRA Savings
0.50%*$0$5kProsperity Builder Savings
OTHER TIERS: 0.10% $5k+
0.10%$25-Membership Savings
0.10%$25-Christmas Club
0.10%$25-Vacation Club
0.10%$25-Business Regular Savings
0.10%$25-Business Membership Savings

Metro Credit Union Money Market Rates

4.35%*$50k*-Business Money Market Account
OTHER TIERS: 0.50% $0 - $10k | 1.00% $10k - $50k
4.35%*$10k*-Online Money Market
OTHER TIERS: 0.50% $0 - $2k | 1.00% $2k - $10k

Metro Credit Union Checking Account Rates

0.50%$10k-Metro Checking
0.40%*$250k*-Business Interest Checking Account
OTHER TIERS: 0.25% $10k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k
0.15%$25-Free Business Interest Checking Account

Metro Credit Union CD Rates

5.25%$0-6 Month CD
5.25%$0-Business 6 Month CD
5.00%$0-3 Month CD
5.00%$0-12 Month CD
5.00%$0-Business 3 Month CD
5.00%$0-Business 12 Month CD
5.00%$0-9 Month CD
5.00%$0-Business 9 Month CD
4.75%$0-18 Month CD
4.75%$0-Business 18 Month CD
4.75%$0-Business 15 Month CD
4.75%$0-15 Month CD
4.50%$0-24 Month CD
4.50%$0-Business 24 Month CD
4.00%$0-36 Month CD
4.00%$0-Business 36 Month CD
4.00%$0-30 Months CD
4.00%$0-48 Months CD
4.00%$0-14 Month CD
4.00%$0-Business 14 Month CD
4.00%$0-Business 30 Months CD
4.00%$0-Business 48 Months CD
4.00%$0-21 Month CD
4.00%$0-Business 21 Month CD
4.00%$0-13 Month CD
4.00%$0-17 Month CD
4.00%$0-Business 17 Month CD
4.00%$0-Business 13 Month CD
3.75%$0-60 Month CD
3.75%$0-Business 60 Month CD

Metro Credit Union IRA Rates

5.10%$0-12 Month IRA
4.85%$0-18 Month IRA
4.85%$0-15 Month IRA
4.60%$0-24 Month IRA
4.10%$0-36 Month IRA
4.10%$0-48 Month IRA
3.85%$0-60 Month IRA


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