By The Numbers

Personal Loan Rates

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Personal Loans

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Effective January 1, 2023

PRODUCT TERM APR *ESTIMATED COST PER $1,000 MINIMUM / MAXIUMUM

Mass Save Heat Loan

Up to 84 Months**0.00%$11.91 $50,000.00 Max

Certificate of Deposit (CD) Secured Loan1

Up to 60 Months4.85%$18.54 $500.00 Min

Savings Secured Loan2

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

Credit Builder Loan3

(Funds remain pledged until loan is paid in full)

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

Celebration Loan4

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

*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 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.

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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.