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211381990

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Metro Credit Union
PO BOX 9100
Chelsea, MA 02150-9100
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Metro Credit Union

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    Build and Grow Savings

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    We have options to get you where you want to be.

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    Value, security and convenience no matter which account you choose.

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    Whatever your goals, our Investment Advisors will help you get there.

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    Make sure the things you value are protected by the people you trust.

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    Buying a home? It's a big decision and we can help!

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    We offer flexible options to help you tap the equity in your home.

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    More ways to get the funds you need now.

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    Get moving and get saving with vehicle loans from Metro!

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By The Numbers

Personal Loans & Home Equity Rates

Jump to:

  • Personal Loan
  • Home Equity Line of Credit
  • Home Equity Loan

Loans

Personal Loans

Effective 04.01.2022

Product*TermAPR1Estimated Cost per $1,000 Minimum / Maximum

Mass Save Heat Loan

Up to 84 Months0.00%$11.91 $25,000.00 Max

Certificate of Deposit (CD) Secured Loan2

Up to 60 Months3.00%$18.54 $500.00 Min

Savings Secured Loan3

Up to 48 Months3.00%$22.18 $500.00 Min

Credit Builder Loan4

Up to 24 Months4.10%$43.49 $3,000.00 Max

Celebration Loan5

Up to 24 Months8.00%$45.35 $500.00 Min / $5,000.00 Max

Prosperity Builder Loan

Up to 36 Months8.20%$31.43 $500.00 Min / $10,000.00 Max

Citizenship Loan

Up to 36 Months9.90%$32.23 $500.00 Min / $3,000.00 Max

Personal Loan

Up to 48 Months12.90%$26.78 $500.00 Min / $25,000.00 Max

Metro Credit Line

-13.90%- $1,000.00 Min / $25,000.00 Max

Overdraft Protection

-18.00%- $500.00 Min / $25,000.00 Max
1

Annual Percentage Rate. Rate determination is based on credit history and the rate assigned to your particular loan may vary. Rates are subject to change. Loan terms are based on finance amount.

2 Minimum/APR as low as: APR + CD Term APY.

3 Minimum/APR as low as: APR + Savings APY.

4 Minimum/APR as low as: APR + Savings APY. Funds remain pledged until loan is paid in full.

5 Annual Percentage Rate requires automatic payment from a Metro account; otherwise the APR may be higher than what is listed. Subject to credit approval. Refinance of existing Metro loans ineligible. Cannot be combined with any other offer

*Loan terms are based on finance amount.

Home Equity Line of Credit

Home Equity Loan & Line of Credit

Effective 05.05.2022

ProductPointsAPR1 Minimum / Maximum

Home Equity Line of Credit

03.50% $25,000.00 Min / $500,000.00 Max
1

Annual percentage rate (APR) is a variable rate set monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the previous month. Current Prime Rate is 4.00%. Maximum APR is 18.00%. Minimum APR 3.25% for HELOC 477. Draw period up to 10 years followed by 179 month repayment period. See requirements stated below and disclosure for additional terms and conditions. Refinance of Metro lines may be subject to closing fees. Loan to value not to exceed 80% or 75% for condos. LTV may be reduced based on creditworthiness. Available for 1-4 family primary residences in MA or southern NH. Property insurance required. Early termination fee of $500 applies to lines closed within the first 36 months, not to exceed 2% of credit limit. $71 to $525 fee if appraisal is required. $140 review fee if property is in a trust. Home Equity Line of Credit Disclosure


Home Equity Loan

Home Equity Loan & Line of Credit

Effective 04.01.2022

TermPointsAPR1Estimated Cost per $1,000 Minimum / Maximum
3 Years03.50%$29.30 $35,000.00 Min / $500,000.00 Max
5 Years03.75%$18.30 $35,000.00 Min / $500,000.00 Max
10 Years04.50%$10.36 $35,000.00 Min / $500,000.00 Max
15 Years04.75%$7.78 $35,000.00 Min / $500,000.00 Max
20 Years05.25%$6.74 $35,000.00 Min / $500,000.00 Max
1

Annual Percentage Rate. Minimum loan amount $35,000 and maximum $500,000. No prepayment penalty. Refinances of Metro loans ineligible for no closing cost program. Terms from 1 to 20 years available. Cannot be in first lien position (due to High Cost Loan Regulation). Refinance of Metro lines may be subject to closing fees. Loan to value not to exceed 80% or 75% for condos. LTV may be reduced based on creditworthiness. Available for 1-4 family primary residences in MA or southern NH. Property insurance required. Early termination fee of $500 applies to lines closed within the first 36 months, not to exceed 2% of credit limit. $71 to $525 fee if appraisal is required. $140 review fee if property is in a trust. Home Equity Line of Credit Disclosure

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Fees may apply. See the Consumer Account Fee Schedule and the Membership Account Agreement for details. Programs, rates, terms and conditions subject to change without notice. All loans are subject to credit approval. Credit Union membership is required; members must maintain a membership account with a minimum of $5.00.

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NMLS # 198524

Routing # 211381990

Metro Credit Union
PO BOX 9100
Chelsea, MA 02150-9100
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