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Personal Loans

More ways to get the funds you need now.

Life happens, and we're here to help. If you're looking to make a large, unexpected purchase, consolidate debt, or even cover the cost of applying for citizenship, consider a personal loan. With low rates, flexible terms, and convenient repayment options, you can meet your goals and achieve your dreams.

Fixed Rate Personal Loan

Consider a Fixed Rate Personal Loan as a smart way to finance an unexpected purchase or consolidate high-interest debt.

  • Rate and payment are guaranteed for the life of the loan
  • Available for a variety of terms
  • Maximum loan amount $25,000.00
Apply Now

Personal Line of Credit

A Personal Line of Credit gives you flexible credit power. You decided when to take an advance. Unexpected expense? Covered!

  • You decide the amount to access (up to your credit limit)
  • As you pay down your balance, the line is there to access again and again
  • Maximum Line of Credit amount $25,000.00
Apply Now

Secured Loan

Borrow funds while using your own savings or Certificate of Deposit (CD) as collateral. It’s like loaning money to yourself!

  • Continue to earn interest on your Savings or CD
  • Lower interest rates than on other types of loans
  • May help improve your credit
  • Minimum loan amount $500.00
Apply Now

Hardship Loan

Assistance for those facing financial hardship due to COVID-19.

  • 0% interest and no payments for the first 60 days
  • 6.00% APR fixed rate after 60 days
  • Loan term of 12 months
  • Maximum loan amount $1,500.00
Apply Now

Prosperity Builder Loan

Use the balance in your Metro Prosperity Builder Savings Account to help you build credit.

  • Borrow up to twice as much of the balance in your account
  • Maximum loan amount $10,000.00
Apply Now

Citizenship Loan

Helping families finance the cost of applying for citizenship.

  • Fixed rate with maximum term of 36 months
  • Maximum loan amount $3,000.00
Apply Now

Celebration Loan

Let us help you pay for the big events in your life: Quinceañeras, weddings, holidays, back to school, graduation...even a security deposit!

  • Repayment terms up to 24 months
  • Maximum loan amount $5,000.00
Apply Now

Credit Builder Loan

If you have limited or damaged credit, you can improve your credit score with a Credit Builder Loan. The money borrowed is secured in your savings account for the term of the loan.

  • Establish or improve your credit score
  • Your savings balance continues to earn interest
  • Maximum loan amount $3,000.00
Apply Now

Mass Save® Residential HEAT Loan Program

Get a loan for home improvements like insulation, heating systems, hot water systems, energy-efficient thermostats, ENERGY STAR® qualified replacement windows, and more!

  • 0% interest loans for home improvement
  • Maximum loan amount $25,000.00

Call Mass Save® at 866.527.7283 to get started.

Learn More

The Smart Option Student Loan By Sallie Mae®

Pay for college the smart way with great repayment options and competitive interest rates. It’s a great option for college expenses not covered by scholarships and federal loans

  • No origination fees and no prepayment penalty
  • Rates that reward creditworthy borrowers
  • Applying with a cosigner may help you qualify
  • 100% US-based student loan specialists
Learn More

By the Numbers

Rates Effective 2.01.2020

ProductTermAPREstimated 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

Credit Builder Loan

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

Overdraft Protection

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

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.