# Metro Credit Union

> Metro Credit Union is a member-owned, not-for-profit credit union headquartered in Chelsea, Massachusetts, serving roughly 220,000 members across Greater Boston, Massachusetts, and southern New Hampshire. Founded in 1926, Metro offers personal and business banking, lending, investment, and insurance services through its branch network, digital banking (Metro iBanking), and workplace banking program (Metro@work).

Key facts:

- Membership is open to anyone who lives, works, attends school, or has a business in Essex, Middlesex, Norfolk, Suffolk, Worcester, Plymouth, Barnstable, Bristol, Franklin, Hampshire, or Hampden County, MA, or in Hillsborough, Rockingham, Cheshire, Merrimack, or Strafford County, NH. Family members of current members are also eligible regardless of location.
- Joining requires opening a Membership Savings Account with a $5.00 deposit, online or at any branch.
- Deposits are federally insured by the NCUA and the balance is insured by the Massachusetts Share Insurance Corporation (MSIC), so deposits are 100% insured.
- Routing number: 211381990. NMLS #198524. Equal Housing Opportunity lender.
- Member services: 877.MY.METRO (877-696-3876), memberservices@metrocu.org. Mailing address: PO Box 9100, Chelsea, MA 02150-9100.
- Metro and Members Plus Credit Union have announced their intent to merge.
- Spanish-language content is available through Metro Contigo.
- Rates change frequently; always refer to the Rates page for current figures rather than quoting rates from other pages.

## Membership & Getting Started

- [Become a Member](https://www.metrocu.org/personal/how-do-i-become-a-member): Eligibility (field of membership), $5 membership requirement, and accepted forms of ID
- [Why Metro](https://www.metrocu.org/why): Reasons members choose Metro over a traditional bank
- [Member Benefits](https://www.metrocu.org/benefits): Overview of benefits included with membership
- [Metro Perks](https://www.metrocu.org/metro-perks): Member discounts and savings program
- [Metro Rewards](https://www.metrocu.org/metro-rewards): Points program for everyday banking
- [Your Funds Are Fully Insured](https://www.metrocu.org/your-funds-are-fully-insured): How NCUA and MSIC coverage insures 100% of deposits

## Personal Banking

- [Checking Accounts](https://www.metrocu.org/personal/checking): Metro Checking with no minimum balance and no monthly fee
- [Savings Accounts](https://www.metrocu.org/personal/savings-accounts): Savings, money market, and other savings options
- [Certificates of Deposit](https://www.metrocu.org/cd): CD terms and features
- [Investments](https://www.metrocu.org/personal/metro-investment-services): Metro Investment Services and investment advisors
- [Greenlight](https://www.metrocu.org/greenlight): Debit card and money app for kids and teens, free for Metro families
- [Insurance](https://www.metrocu.org/personal/insurance): Personal insurance through Metro Insurance Advisors

## Personal Lending

- [Mortgages](https://www.metrocu.org/personal/mortgages): Home purchase and refinance loans
- [Home Equity Loan & Line of Credit](https://www.metrocu.org/personal/home-equity): Home equity loans and HELOCs
- [Accessory Dwelling Unit Financing](https://www.metrocu.org/accessory-dwelling-unit-financing): Financing for building an ADU
- [Personal Loans](https://www.metrocu.org/personal/personal-loans): Unsecured and other personal loan options
- [Vehicle Loans](https://www.metrocu.org/personal/vehicle-loans): New and used auto and vehicle financing
- [Student Loans](https://www.metrocu.org/student-loans): Loans for post-secondary education
- [Credit Cards](https://www.metrocu.org/personal/credit-cards): Personal credit card options
- [Pay My Loans](https://www.metrocu.org/personal/how-do-i-pay-my-loans): Ways to make loan payments

## Business Banking

- [Business Checking](https://www.metrocu.org/business/business-checking): Checking accounts for businesses
- [Business Savings](https://www.metrocu.org/business/business-savings): Savings options for businesses
- [Cash Management Services](https://www.metrocu.org/business/cash-management-services): Tools for managing business funds
- [Commercial Loans](https://www.metrocu.org/business/commercial-loans): Commercial lending and real estate financing
- [Business Credit Cards](https://www.metrocu.org/business/credit-cards): Cards for tracking business expenses
- [Retirement Planning for Businesses](https://www.metrocu.org/business/retirement-planning-business): Employer retirement plan services
- [Metro@work](https://www.metrocu.org/business/metro-at-work): Workplace banking benefit offered through participating employers
- [MA State Employees](https://www.metrocu.org/ma-state-employees): Banking benefits for Massachusetts state employees

## Support & Access

- [Rates](https://www.metrocu.org/rates): Current deposit and loan rates (authoritative source for rates)
- [Locations](https://www.metrocu.org/locations): Branch locations, hours, and ATMs
- [Member Support](https://www.metrocu.org/about/member-support): Contact options and help
- [FAQ](https://www.metrocu.org/faq): Answers to common member questions
- [Metro iBanking](https://www.metrocu.org/personal/metro-ibanking): Online and mobile banking features
- [Digital Branch](https://www.metrocu.org/personal/digital-branch): Remote banking services
- [Chelsea Chatbot](https://www.metrocu.org/chelsea-chatbot): Metro's virtual assistant, available by chat and by phone 24/7
- [Schedule an Appointment](https://metrocu.coconutcalendar.com/): Book time with Metro staff
- [Forms](https://www.metrocu.org/forms): Direct deposit and other member forms

## Financial Education & Resources

- [Financial Wellness and Education](https://www.metrocu.org/financial-wellness): Financial education resources
- [Homebuyer's Resource Center](https://www.metrocu.org/homebuyers-resource-center): Guidance for first-time and repeat homebuyers
- [Fraud Awareness Resource Center](https://www.metrocu.org/fraud-awareness-prevention): Fraud prevention tips and tools
- [Events, Sessions & Seminars](https://www.metrocu.org/seminars-and-events): Webinars on investing, homebuying, and paying for college
- [Calculators](https://www.metrocu.org/calculators): Loan, savings, and budgeting calculators
- [Build and Grow Savings](https://www.metrocu.org/how-do-i-build-and-grow-savings): Savings strategies
- [Pay Off Debt](https://www.metrocu.org/how-do-i-pay-debt): Debt payoff guidance

## About Metro

- [Our Story](https://www.metrocu.org/about/our-story): History of Metro Credit Union since 1926
- [Team](https://www.metrocu.org/about/team): Leadership team
- [Community](https://www.metrocu.org/about/community): Community involvement
- [Metro Giving](https://www.metrocu.org/metro-giving): Grants, donations, sponsorships, scholarships, and volunteerism
- [Metro Credit Union Foundation](https://foundation.metrocu.org/): Charitable foundation supporting community organizations
- [Careers](https://www.metrocu.org/about/careers): Job openings
- [Metro and Members Plus Merger Announcement](https://www.metrocu.org/blog/metro-credit-union-and-members-plus-credit-union-announce-intent-to-merge-powered-by-partnership): Announcement of intent to merge

## Policies & Disclosures

- [Privacy Policy](https://www.metrocu.org/privacy): How Metro collects and uses information
- [Membership Account Agreement & Disclosures](https://www.metrocu.org/assets/files/membership-account-agreement.pdf): Account terms and disclosures (PDF)
- [Consumer Fee Schedule](https://www.metrocu.org/assets/files/Consumer-Fee-Schedule.pdf): Account fees (PDF)
- [Funds Availability](https://www.metrocu.org/assets/files/Funds-Availability-Extract.pdf): Deposit hold and funds availability policy (PDF)

## Optional

- [Blog](https://www.metrocu.org/blog): News, announcements, and financial tips
- [Mortgage Team](https://www.metrocu.org/mortgage-team): Metro mortgage lenders
- [Credit Score in iBanking](https://www.metrocu.org/credit-score-in-ibanking): Credit score and financial insights in online banking
- [Metro Contigo](https://www.metrocu.org/contigo/): Spanish-language version of the site