Overview / Commentary
Lexington, KY 40504-1795

Metro Employees Credit Union is headquartered in Lexington and is the 31st largest credit union in the state of Kentucky. It is also the 2,861st largest credit union in the nation. It was established in 1940 and as of December of 2018, it had grown to 12 employees and 4,421 members at 2 locations. Metro Employees Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees and employees of partner agencies of the Lexington-Fayette Urban County Government,.
See current membership details


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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. Metro Employees Credit Union has a low asset base.

Health Grade Components

NCUA #63058
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD1.53%
Return on Equity - YTD12.32%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$30.5MM$29.6MM
LoansQ4 2018vs Q4 2017$18.7MM$16.8MM
DepositsQ4 2018vs Q4 2017$26.4MM$25.8MM
Equity CapitalQ4 2018vs Q4 2017$3.8MM$3.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$38.00K$55.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$2.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Metro Employees Credit Union Savings Account Rates

0.50%--Christmas Club Account
0.50%--Vacation Club Account
0.25%$25-Share Savings Account

Metro Employees Credit Union Money Market Rates

0.80%*$25k*-Money Market Account
OTHER TIERS: 0.60% $2.5k - $10k | 0.70% $10k - $25k

Metro Employees Credit Union CD Rates

3.30%$500-5 Year CD
3.30%$500-5 Year HSA CD
3.04%$100-2 Year Youth CD
2.89%$500-4 Year CD
2.89%$500-4 Year HSA CD
2.78%$500-3 Year CD
2.78%$500-3 Year HSA CD
2.53%$500-2 Year CD
2.53%$500-2 Year HSA CD
2.02%$500-1 Year CD
2.02%$500-1 Year HSA CD
1.31%$500-6 Month CD
1.31%$500-6 Month HSA CD

Metro Employees Credit Union IRA Rates

3.30%$500-5 Year IRA
2.89%$500-4 Year IRA
2.78%$500-3 Year IRA
2.53%$500-2 Year IRA
2.02%$500-1 Year IRA
1.31%$500-6 Month IRA

Metro Employees Credit Union Locations
Branch Office101 E VINE ST STE 101Lexington, KY 40507-1459
Branch Office1306 VERSAILLES RD STE 140Lexington, KY 40504-1795

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