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New to banking? Looking to boost your savings? Want to build your credit?
We have the products you need to gain financial independence and build prosperity. 

Building Savings

Prosperity Builder Savings Account1

A simple way to save for your future.

  • No minimum balance
  • No monthly maintenance fee
To open an account, please visit any of our convenient branch locations.

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
  • Receive funds October 1 for Christmas Clubs and May 1 for Vacation Clubs through automatic transfer to a Metro account
View Rates

Savings Builder2

Get in the habit of saving regularly.

  • Start any time with as little as $10.00
  • Build your balance so you can convert to a Certificate of Deposit that earns more interest.
Learn More

Free Checking3

Managing your money is easy!

  • No monthly maintenance fee
  • No minimum balance requirement
  • Unlimited check writing

Building Credit

Prosperity Builder Loan4

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

  • Pledge the balance in your Prosperity Builder Savings Account. 
  • Borrow up to twice as much as your savings account balance, up to $10,000.00.
  • Repayment term up to 36 months
To open an account, please visit any of our convenient 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 term up to 24 months
Apply for a Celebration Loan

Citizenship Loan6

Helping families finance the cost of applying for citizenship.

  • Borrow up to $3,000.00
  • Repayment term up to 36 months
To open an account, please visit any of our convenient branch locations.

Credit Builder Loan7

Create credit history to help establish or improve your credit!

  • Money borrowed is held in a Metro savings account while you make payments, building 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.
Apply for a Credit Builder Loan

1Minimum $5.00 to open. 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. For example: $5,000.01 earns 0.50% APY and a $10,000.00 balance earns 0.30% APY. One Prosperity Builder Savings Account per person. Funds earn dividends from the business day of deposit and are compounded and paid monthly.
2Minimum $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 continue 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. Refer to the Fee Schedule for Consumer Accounts for fees that may apply to checking accounts.
4Partial Share Pledge Loan requires 50% of original loan amount be 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.
524 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.
6Maximum 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.  
7Estimated cost per $1,000 calculated on maximum term. 4.10% APR for 24 monthly payments of $43.49 per $1,000 borrowed. Rates and terms subject to change. All loan approvals are subject to normal underwriting qualifications.