Skip to main navigation Skip to main content
ES Credit Union Insurance Metro Giving
Rates Careers Locations Member Support Schedule an Appointment

Looking for one of these?

  • Become a Member

  • Member Support

  • How Do I Pay My Loan

Get In Touch

877.MY.METRO
Send an email
Connect

Routing #

211381990

Mailing Address

Metro Credit Union
PO BOX 9100
Chelsea, MA 02150-9100
  • How Do I...

    • Become a Member
    • Build and Grow Savings
    • Check My Personal Loan Application Status
    • Pay My Loans

    Bank

    • Media icon
      Savings Accounts
    • Media icon
      Checking Accounts
    • Media icon
      Investments
    • Media icon
      Insurance

    Borrow

    • Media icon
      Mortgages
    • Media icon
      Home Equity Loan & Line of Credit
    • Media icon
      Personal Loans
    • Media icon
      Vehicle Loans
    • Media icon
      Student Loans
    • Media icon
      Credit Cards

    Connect

    • FAQ
    • Chat
    • Locations
    • Digital Branch
    • Metro iBanking
  • How do I...

    • Become a Member
    • Pay My Loans

    Bank

    • Media icon
      Business Checking
    • Media icon
      Business Savings
    • Media icon
      Cash Management Services

    Borrow

    • Media icon
      Commercial Loans
    • Media icon
      Credit Cards

    Services

    • Media icon
      Retirement Planning
    • Media icon
      Metro Insurance Advisors
    • Media icon
      Metro@work

    Access

    • Locations
    • Metro iBanking
    • MA State Employees
  • How Do I...

    • Build and Grow Savings
    • Pay Off Debt
    • Pay My Loans
    • Become a Member

    Resources

    • Media icon
      Events, Sessions, & Seminars
    • Media icon
      Homebuyer's Resource Center
    • Media icon
      Scholarship Opportunities
    • Media icon
      Community Products
    • Media icon
      Financial Wellness and Education
    • Media icon
      Forms
    • Blog
    • Calculators
    • Mortgage Team
    • Chelsea Chatbot
  • Why Us
  • Rates
  • Careers
  • Locations
  • Member Support
  • Schedule an Appointment
Become a Member iBanking Login

Metro Credit Union

  • How Do I...

    Become a Member

    Build and Grow Savings

    Check My Personal Loan Application Status

    Pay My Loans

    Bank

    Link Icon

    Savings Accounts

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

    Link Icon

    Checking Accounts

    Value, security and convenience - Metro Checking has it all.

    Link Icon

    Investments

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

    Link Icon

    Insurance

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

    Borrow

    Link Icon

    Mortgages

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

    Link Icon

    Home Equity Loan & Line of Credit

    Flexible options to help you tap the equity in your home.

    Link Icon

    Personal Loans

    More ways to get the funds you need now.

    Link Icon

    Vehicle Loans

    Get moving and get saving with vehicle loans from Metro!

    Link Icon

    Student Loans

    Loans designed to help students pay for post-secondary education.

    Link Icon

    Credit Cards

    Use your card to consolidate debt, pay bills, or build credit.

    Connect

    FAQ
    Chat
    Locations
    Digital Branch
    Metro iBanking
  • How do I...

    Become a Member

    Pay My Loans

    Bank

    Link Icon

    Business Checking

    The accounts that make your business run.

    Link Icon

    Business Savings

    Grow your business's financial resources while keeping your funds secure.

    Link Icon

    Cash Management Services

    Manage your business's funds more effectively.

    Borrow

    Link Icon

    Commercial Loans

    Grow your business with smart borrowing options

    Link Icon

    Credit Cards

    Designed to allow you to track business expenses and control spending

    Services

    Link Icon

    Retirement Planning

    Attract and retain the best employees by offering benefits they'll love.

    Link Icon

    Metro Insurance Advisors

    High-quality insurance coverage for your business.

    Link Icon

    Metro@work

    Offer your employees the best choice in workplace banking.

    Access

    Locations
    Metro iBanking
    MA State Employees
  • How Do I...

    Build and Grow Savings

    Pay Off Debt

    Pay My Loans

    Become a Member

    Resources

    Link Icon

    Events, Sessions, & Seminars

    Learn about investing, homebuying, and paying for college.

    Link Icon

    Homebuyer's Resource Center

    Homebuying can be stressful, but we make it easy.

    Link Icon

    Scholarship Opportunities

    Financial scholarships for recent high school grads to get to college.

    Link Icon

    Community Products

    Products you can use to gain financial independence.

     

    Link Icon

    Financial Wellness and Education

    Financial knowledge is financial power!

    Link Icon

    Forms

    Easy to fill direct deposit forms.

    Blog
    Calculators
    Mortgage Team
    Chelsea Chatbot
  • Why Us
    Become a Member
  • iBanking Login
iBanking Login

By The Numbers

Personal Loan Rates

Accurate as of January 2, 2025

Ready to get started?

Visit your local branch
Call 877.MY.METRO
Get My Rate
Apply Now

Personal Loans

Learn More About Our Personal Loans
PRODUCT TERM APR *ESTIMATED COST PER $1,000 MINIMUM / MAXIMUM

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

Mass Save Heat Loan

Up to 84 Months**0.00%$11.91 $25,000.00 Max

Credit Builder Loan3

(Funds remain pledged until loan is paid in full)

Up to 24 Months4.10%$43.49 $500.00 Min / $3,000.00 Max

Savings Secured Loan2

Up to 48 Months3.10%$22.18 $500.00 Min

Certificate of Deposit (CD) Secured Loan1

Up to 60 Months6.50%$19.57 $500.00 Min

Citizenship Loan6

Up to 36 Months9.90%$32.22 $500.00 Min / $5,000.00 Max

Prosperity Builder Loan5

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

Overdraft Protection

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

Celebration Loan4

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

Today's Date: 05/14/2025

*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. Subject to credit approval.
 

**Loan terms are based on finance amount.

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

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

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

4 Annual Percentage Rate. 8.00% APR for the Celebration Loan requires automatic payment from a Metro account or other bank account; otherwise, the APR will be 8.25%. Subject to credit approval. Refinance of existing Metro loans ineligible. Cannot be combined with any other offer.

5 Prosperity Builder Loan is a partial share loan requiring 50% of the original loan amount to be secured by deposits in a Prosperity Builder Savings account. For example, a $10,000 Prosperity Builder Loan requires a $5,000 pledge in a Prosperity Builder Savings account. Maximum loan amount $10,000 for terms up to 36 months. Estimated cost (calculated on maximum term available) equals payments of $31.43 per $1000.

6 Citizenship Loan: Maximum Loan amount $5,000 for family of four. Estimated cost (calculated on maximum term available) equals payments of $32.22 per $1,000. Copy of Application of Naturalization required at time of loan. Loan proceeds check is made payable to the naturalization agency or attorney.

Related Content

Popular:

  • Check My Personal Loan Status

  • Apply For a Personal Loan

  • Become a Member

  • Community Products

  • Mortgages

  • Mortgages

  • Deposit Rates

  • Vehicle Loan Rates

  • Home Equity Loan & Line of Credit

  • Personal Loans

  • Debt Protection

Fees may apply. See 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.

Cookie Consent

Metro Credit Union uses cookies on this site. Learn More

You’re now leaving metrocu.org

Please be advised that you are now leaving MetroCU.org and you will no longer be subject to, or under the protection of, the privacy and security policies of Metro Credit Union's website.

Continue
  • Visit Metro Credit Union on Facebook
  • Visit Metro Credit Union on Twitter
  • Visit Metro Credit Union on LinkedIn
  • Visit Metro Credit Union on Instagram

Metro

  • Our Story
  • Community
  • Careers
  • Team
  • Blog

Resources

  • 877.MY.METRO
  • Metro iBanking
  • FAQ
  • Forms
  • Financial Wellness Center

NMLS # 198524

Routing # 211381990

Metro Credit Union
PO BOX 9100
Chelsea, MA 02150-9100
  • Footer icon
    Insured by NCUA
  • Footer icon
    Member MSIC
  • Footer icon
    Equal Housing Opportunity
  • Funds Availability
  • Privacy Policy
  • Disclosures
  • Fee Schedule