Metro Credit Union

CHELSEA, MA — November 13, 2025 — Metro Credit Union, the largest state-chartered credit union in Massachusetts, has announced a strategic pilot partnership with Penny Finance, a leading provider of digital financial planning tools. This collaboration will provide Metro members and employees in the pilot group with free, accessible online financial planning regardless of their income level, investment experience, or financial background.

Founded in Chelsea in 1926, Metro proudly serves more than 200,000 members across Massachusetts. With the integration of Penny Finance into its digital platform, Metro is expanding access to personalized financial guidance, helping members make informed decisions and build stronger financial futures at every stage of life.

Through this partnership, Metro members can access:

• Tailored financial plans based on individual goals
• Bite-sized money courses to build financial literacy
• Scenario-based calculators for budgeting and planning
• Virtual masterclasses led by financial experts
• Timely insights and recommendations to accelerate progress toward financial goals

“At Metro, we believe financial empowerment should be accessible to everyone,” said Traci Michel, SVP Chief Operating Officer and Chief Strategy Officer at Metro Credit Union. “By integrating Penny Finance’s innovative technology, we’re equipping our members with personalized, data-driven tools that evolve with their needs and delivering real-time insights, strategic planning, and actionable guidance right at their fingertips.”

Metro members in the pilot program will be able to forecast their future net worth, map out a timeline to becoming debt-free, and receive customized strategies to accelerate their progress. With no investment minimums and a fully digital experience, Penny Finance makes financial planning inclusive, approachable, and easy to begin.

“Penny’s core mission is to make trusted financial planning more accessible to all, no matter how much wealth someone has,” says Crissi Cole, Founder & CEO of Penny Finance. “Metro’s partnership with Penny signifies their commitment to innovation around members’ financial health. Together, we can help members pay off debt faster, prepare for retirement, and begin investing in their future.” 

About Metro Credit Union

Metro Credit Union is the largest state-chartered credit union in Massachusetts, with $3.2 billion in assets. Metro provides a full range of financial products to more than 200,000 members in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester counties in Massachusetts, and Cheshire, Hillsborough, Merrimack, Rockingham, and Strafford counties in New Hampshire. Metro is the credit union of choice for employees at over 1,200 companies through its Metro@work program.

Founded in 1926, Metro currently operates branch offices in Boston, Burlington, Chelsea, Dorchester, Framingham, Lawrence, Lynn, Medford, Melrose, Newton, Peabody, Reading, Salem, Tewksbury, and West Roxbury. Metro is also a Juntos Avanzamos (“Together We Advance”) designated credit union, an honor given to financial institutions for their commitment to serving and empowering Hispanic and immigrant consumers. Metro was recently named among the most charitable companies in Massachusetts by the Boston Business Journal; voted Top Credit Union in Banker & Tradesman’s Best of 2024 awards; and recognized as one of America’s Best Regional Banks and Credit Unions in 2025 by Newsweek. Learn more at MetroCU.org.

About Penny Finance

Boston-based Penny Finance is the digital financial planning platform built for the rest of us — the ones without millions to manage. In partnership with credit unions and community banks, Penny helps members create smart, personalized money plans that turn intention into action. With Penny’s guidance, members are crushing debt, growing their investments, and getting ready for the future.