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Rates

By the Numbers

Savings | Investment | Vehicle | Personal | Home

Savings

Effective 10.18.2021

ProductAPY1Interest RateMin Balance to Earn InterestMin Balance to Open

Membership Savings Account

0.10%0.10%$25.00$5.00

Christmas Club

0.10%0.10%$25.00$10.00

Vacation Club

0.10%0.10%$25.00$10.00

IRA Accumulator

0.50%0.50%$25.00$10.00

Roth IRA

0.50%0.50%$25.00$10.00

My Reward Savings**

2.00%1.98%Up to $3,000.00$5.00
0.10%0.10%Over $3,000.00-
1

Annual Percentage Yield. Rates are variable and subject to change after account opening without notice. Fees may reduce earnings. Dividends are compounded and paid monthly. Membership Savings Account/Secondary Savings accounts have a low balance fee of $2.00 if the average daily balance falls below $150.00, and there is no associated loan product. Annual Percentage Yield (APY) Earn 0.50% APY on balances up to $5,000.00 and 0.10% APY on balances greater than $5,000.00. For example: $5,000.01 earns 0.50% APY and a $10,000.00 balance earns 0.30% APY. Funds earn dividends from the business day of deposit and are compounded and paid monthly. **2.00% APY will be paid on the balance in your account up to $3,000. An interest rate of 0.10% will be paid on the remaining balance in your account that exceeds $3,000 with a $3,000.01 balance in your account earning 2.00% APY and a $4,000 balance in your account earning 1.53% APY, as examples. $5 minimum deposit to open. One My Reward Savings per person and must be linked to My Reward Checking. Rates may change after account opening. Funds earn dividends from the first business day of deposit and are compounded and paid monthly. Fees may reduce earnings.

High Yield Savings

Effective 10.18.2021

ProductAPY1Interest RateMin Balance to Earn InterestMin Balance to Open

High Yield Savings

0.25%0.25%Up to $9,999.99$10,000.00
0.25%0.25%$10,000.00 - $24,999.99-
0.30%0.30%$25,000.00 - $49,999.99-
0.40%0.40%$50,000.00 or more-
1

Annual Percentage Yield (APY) as of 10.18.21, but may vary after account opening, is subject to change and is based on daily balances. Rates may change throughout the month and will affect the monthly interest payment. Fees may reduce earnings. Accounts cannot be accessed using ATM or Debit Card. $10,000 minimum opening deposit is required. Low balance fee of $25, if at any time during the month the end of day balance falls below $10,000. (New Money ONLY).

Money Market

Effective 10.18.2021

ProductAPY1Interest RateMin Balance to Earn InterestMin Balance to Open

Money Market

0.15%0.15%$2,000.00 - $9,999.99$2,000.00
0.20%0.20%$10,000.00 - $24,999.99-
0.25%0.25%$25,000.00 - $49,999.99-
0.25%0.25%$50,000.00 - $74,999.99-
0.30%0.30%$75,000.00 or more-
1

*Annual Percentage Yield (APY) as of 10.18.21, but may vary after account opening, and is subject to change and based on daily balances. This is a variable rate account and rates may change throughout the month and will affect the monthly interest payment. Minimum of $2,000 to open. On average daily balances below $2,000, rate will be comparable to the regular savings rate. Low balance fee of $5.00 if average daily balance is less than $2,000 and no associated loan product. Fees may reduce earnings.This account can only be opened online. New money only.

Certificates of Deposit

Effective 1.4.2021

ProductAPY1Interest RateMin Balance to Earn InterestMin Balance to Open

3 Months

0.25%0.25%$0.01$500.00

6 Months

0.35%0.35%$0.01$500.00

9 Months

0.35%0.35%$0.01$500.00

12 Months

0.35%0.35%$0.10$500.00

18 Months

0.50%0.50%$0.01$500.00

24 Months

0.75%0.75%$0.01$500.00

36 Months

0.95%0.95%$0.01$500.00

60 Months

1.05%1.04%$0.01$500.00

12 Month CD Special*

0.50%0.50%$0.10$500.00

18 Month Special*

0.60%0.60%$0.01$500.00

24 Month CD Special*

0.85%0.85%$0.01$500.00

12 Months Traditional/Roth IRA CD

0.45%0.45%$0.01$500.00

18 Months Traditional/Roth IRA CD

0.60%0.60%$0.01$500.00

20 Months Traditional/Roth IRA CD

0.85%0.85%$0.01$500.00

24 Months Traditional/Roth IRA CD

0.85%0.85%$0.01$500.00

36 Months Traditional/Roth IRA CD

1.05%1.04%$0.01$500.00

60 Months Traditional/Roth IRA CD

1.15%1.14%$0.01$500.00

12 Months Traditional/Roth Special IRA CD

0.60%0.60%$0.01$500.00

18 Months Traditional/Roth Special IRA CD

0.70%0.70%$0.01$500.00

24 Months Traditional/Roth Special IRA CD

0.95%0.95%$0.01$500.00
1

Annual Percentage Yield. CD rates are subject to change without notice. Terms less than 12 months earn simple interest paid at maturity. Dividends are compounded daily and paid monthly on terms greater than 12 months. 12, 18 and 24 Month CD Specials cannot be opened online, and cannot be combined with any other offer. Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts. Fees could reduce earnings on the account. Please see Metro’s Truth in Savings for Certificates of Deposit. *Cannot be opened online.

New & Used Auto

Effective 12.01.2021

ProductTermAPR1Estimated Cost per $1,000 Minimum / Maximum

New 2017-2022 Models

Up to 66 Months3.69%$16.77 $150,000.00 Max

New 2017-2022 Models

67 to 75 Months4.54%$15.35 $150,000.00 Max

New 2017-2022 Models

76 to 84 Months5.19%$14.23 $150,000.00 Max

Used 2015-2016 Models

Up to 66 Months4.14%$16.97 $150,000.00 Max

Used 2015-2016 Models

67 to 75 Months4.69%$15.41 $150,000.00 Max

Used 2013-2014 Models

Up to 66 Months5.14%$17.43 $150,000.00 Max
1

Annual Percentage Rate. Rate determination is based on credit history and the rate assigned to your particular loan may vary. Estimated Cost Per $1,000 calculated on maximum term available for the quoted rate. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro Loans.
New vehicles have 5,000 miles or less.

New & Used Motorcycle

Effective 12.01.2021

ProductTermAPR1Estimated Cost per $1,000 Minimum / Maximum

New Motorcycles 2018-2021 Models

Up to 60 Months6.99%$19.81 $40,000.00 Max

Used Motorcycles 2015-2016 Models

Up to 60 Months7.00%$19.81 $40,000.00 Max

Used Motorcycles 2014 Models

Up to 54 Months7.25%$21.77 $40,000.00 Max

Used Motorcycle 2013 Models

Up to 48 Months7.50%$24.19 $40,000.00 Max
1

Annual Percentage Rate is based on creditworthiness and may vary. Estimated cost per $1,000 calculated on maximum term. 7.00% APR for 60 monthly payments of $19.81 per $1,000 borrowed. Refinancing not available on existing Metro loans.

New & Used Boat

Effective 12.01.2021

ProductTermAPR1Estimated Cost per $1,000 Minimum / Maximum

New Boat 2018 - 2021

Up to 72 Months6.75%$16.94 $100,000.00 Max

New Boat 2018 - 2021

73 to 180 Months7.75%$9.42 $100,000.00 Max

Used Boat 2012 - 2017

Up to 72 Months7.75%$17.42 $100,000.00 Max
1

Annual Percentage Rate is based on creditworthiness and may vary. Estimated cost per $1,000 calculated on maximum term 6.75% APR for 72 monthly payments of $16.94 per $1,000 borrowed. Refinancing not available on existing Metro loans.

Loans

Effective 12.01.2021

ProductTermAPR1Estimated 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
1

Effective 12.01.2021

Home Equity Line of Credit

Effective 12.01.2021

ProductPointsAPR1 Minimum / Maximum

Home Equity Line of Credit

03.25% $25,000.00 Min / $500,000.00 Max
1

Annual Percentage Rate 3.25% is a variable rate based on the prime rate as published in the Wall Street Journal and adjusts monthly. Prime as of 3/31/2020 is 3.25%. Maximum APR is 18%. Minimum APR 3.25%. Loan to value not to exceed 80% or 75% for condos. LTV may be reduced based on creditworthiness. Available for 1-4 family primary residences in MA or southern NH. Property insurance required. Early termination fee of $500 applies to lines closed within the first 36 months, not to exceed 2% of credit limit. $71 to $525 fee if appraisal is required. $140 review fee if property is in a trust. Home Equity Line of Credit Disclosure

Home Equity Loan

Effective 12.01.2021

TermPointsAPR1Estimated Cost per $1,000 Minimum / Maximum
20 Years05.25%$6.74 $35,000.00 Min / $500,000.00 Max
15 Years04.75%$7.78 $35,000.00 Min / $500,000.00 Max
10 Years04.50%$10.36 $35,000.00 Min / $500,000.00 Max
5 Years03.75%$18.30 $35,000.00 Min / $500,000.00 Max
3 Years03.50%$29.30 $35,000.00 Min / $500,000.00 Max
1

Annual Percentage Rate. Minimum loan amount $35,000 and maximum $500,000. Loan to value not to exceed 80% or 75% for condos. LTV may be reduced based on creditworthiness. If required, appraisal fee of $130 to $525 applies. No prepayment penalty. $140 review fee if property is in a trust.

Fees may apply. See the Consumer Account Fee Schedule and 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.