Options For You

Bad or no credit? Don't know your credit? Everyone has to start somewhere to build or repair their credit, and we're here to help! Our credit building programs are plain and simple — they are designed to get you financially fit and enable you to qualify for future loans from Metro Credit Union. Start building it with these two easy programs:

With the Credit Builder Loan, the money borrowed is secured in your savings account for the term of the loan. Dividends are paid on the money while you are establishing credit. Once the loan is paid in full, the money becomes available in your account. By making regular payments on time, you potentially improve your credit score.

Loan Features:
  • Loan amount from $500 - $3,000

  • Terms up to 24 months

  • Low 4.10% APR*

  • Loan funds deposited into a Metro Savings account, where it will earn dividends

  • Generate “installment loan” credit history to improve your credit score

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* Annual Percentage Rate. Currently 4.10% APR for 24 monthly payments of $43.49 per thousand borrowed. Rates and terms subject to change.

Metro's Visa® Secure Credit Card is the most convenient way to establish or repair your credit. Use it anywhere Visa® credit cards are accepted.

Card Features:

  • Funds are guaranteed by a Metro savings account

  • 15.9% APR* on purchases

  • Credit lines from $500 - $10,000 available

  • Low $59.00 annual fee

*The APR will vary with the market based on the Prime Rate and is subject to change. All loans are subject to credit approval. Minimum finance charge is 50¢. The fee associated with foreign transactions converted to US currency is 1%. The ATM cash advance fee is 95¢.
Click here to see credit card disclosures.