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Personal Loan Rates

Accurate as of January 2, 2025

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Personal Loans

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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.

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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.