Community Products
Helping you feel confident with your finances.
New to banking? Looking to boost your savings? Want to build your credit? Metro has the products you need to gain financial independence and build prosperity.
Ready to learn more or get started?
Building Your Savings
Prosperity Builder Savings Account1
A simple way to save for your future.
- No minimum balance
- No monthly maintenance fee
- Pledge the balance you save toward the Prosperity Builder Loan
To open an account, please visit any of our branch locations.
Savings Builder2
Get in the habit of saving regularly.
- Start any time with as little as $10.00
- When your balance reaches $500.00 automatically converts to a 12 month CD
Christmas & Vacation Club Accounts
Be ready for holiday spending and vacation expenses.
- Start any time with as little as $10.00
- Choose from direct deposit, automatic transfers, or make deposits at any branch
- Funds automatically transferred to a Metro account on October 1 (Christmas Club) or May 1 (Vacation Club)
Safeguard Checking**
- A safe and affordable option for those new to or looking to re-establish a checking account
- Paperless Checking – no paper checks issued
- Debit card for ATM and point-of-sale transactions
- Free Metro iBanking and Mobile Banking
- Get paid sooner with Early Pay direct deposit
- Save Your Change - A convenient way to help you save by “rounding up” debit card purchases with the change deposited into your Metro savings account. Call 877.MY.METRO or visit a branch to enroll!
To open, visit any branch location.
Building Your Credit
Prosperity Builder Loan4
Use your own funds to help you build credit.
- Pledge the balance in your Prosperity Builder Savings Account
- Borrow twice as much of your savings account balance, up to $10,000.00
- Repayment terms up to 36 months
To open an account, please visit any of our branch locations.
Celebration Loan5
For the big events in your life: trips, Quinceañeras, weddings, holidays, back to school gear, graduations, even for a security deposit!
- Borrow up to $5,000.00
- Repayment terms up to 24 months
Citizenship Loan6
Helping families finance the cost of applying for citizenship.
- Borrow up to $5,000.00
- Repayment terms up to 36 months
To open an account, please visit any of our branch locations.
Credit Builder Loan
Create credit history to help establish or improve your credit!
- Borrowed funds are held in a Metro savings account while you make payments, building your credit
- Loan amounts from $500.00 - $3,000.00 and terms up to 24 months
- Once your loan is paid in full, you’ll have access to the funds in the Metro savings account
Specialized Mortgage Programs
For income eligible MA residents and active military families.
Looking for some financial tips?
Metro's Financial Wellness and Education Center provides the tools you need to learn more about how to use, manage, and borrow money.
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Resources & Calculators
Products
1 Earn 0.50% Annual Percentage Yield (APY) on balances up to $5,000.00 and 0.10% APY on balances greater than $5,000.00 as of June 1, 2019. $5,000.01 earns 0.50% APY and a $10,000.00 balance earns 0.30% APY as examples. One Prosperity Savings Account per person. Rates may change after account opening. Funds earn dividends from the business day of deposit and are compounded and paid monthly.
2 Minimum $5 to open a Secondary Savings. Rates are subject to change after account opening. To be eligible you must establish an automatic transfer from a Metro account to the Secondary Savings. Once the balance in the Secondary Savings reaches the minimum opening deposit as stated in the Truth in Savings Disclosure for a 12 month Certificate of Deposit (CD), Metro will transfer the balance from the Secondary Savings Account to the CD within 2 business days. After the first CD is opened, automatic transfers will a into the Secondary Savings Account and subsequent 12 month CDs will be opened when the Secondary Savings reaches the minimum opening deposit as stated in the Truth in Savings Disclosure.
3 $25.00 minimum opening balance. Personal accounts only. Fees may apply to checking accounts.
4 Partial Share Pledge Loan requires 50% of original loan amount secured by deposits in a Prosperity Builder Savings account. For example, loan amount of $10,000.00 requires $5,000.00 Prosperity Builder Savings Account pledge. Maximum loan amount $10,000.00 for terms up to 36 months. Annual Percentage Rate of 8.20%. Estimated cost calculated on maximum term available equals payments of $31.43 per thousand. Subject to credit approval.
5 24 monthly payments of $45.35 per $1,000.00 borrowed. $500 minimum loan amount. Subject to credit approval. Cannot be combined with any other offers. Refinance of existing Metro loans ineligible.
6 Maximum loan amount $3,000.00 per family of four up to 36 months with Annual Percentage Rate of 9.90%. Estimated cost calculated on maximum term available equals payments of $32.22 per thousand. Check payable to Naturalization agency or attorney. Copy of Application of Naturalization required at time of loan application. Subject to credit approval.
** Minimum opening deposit of $25.00.
Fees may apply. See the Membership Account Agreement for details.