As a financial cooperative, Metrum Credit Union exists to serve the best interests of YOU, our member-owners. Our sole purpose is to provide honest financial services to our members and community…so why would we charge more than necessary?
DEPOSIT RATES
Effective as of 10/1/2025
| ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | MINIMUM DEPOSIT | MINIMUM BALANCE TO EARN |
|---|---|---|---|
| REGULAR SHARE SAVINGS | 0.10% | $25 | $100 |
| HOLIDAY CLUB SAVINGS | 0.10% | $5 | $5 |
| VACATION CLUB SAVINGS | 0.10% | $5 | $5 |
| OTHER SAVINGS | 0.10% | $5 | $5 |
| SWIPE & SAVE | 4.00% | $0 | $25 |
| MONEY MARKET SAVINGS | 1.00% 1.11% 1.15% 1.25% 1.50% 1.55% | $500 $500 $500 $500 $500 $500 | $500 $2,500 $10,000 $25,000 $50,000 $100,000 |
| IRA SAVINGS | 0.10% 1.00% 1.11% 1.15% 1.25% 1.50% 1.55% | $100 $500 $500 $500 $500 $500 $500 | $100 $500 $2,500 $10,000 $25,000 $50,000 $100,000 |
| SIMPLE SPENDING (Checking) | 0% | $0 | $0 |
| HIGH YIELD SPENDING (Checking) | 4.00% 1.00% 0.03% | $0-$2,499.99 $2,500-$9,999.99 $10,000+ | $.01 |
| CASH BACK SPENDING (Checking) | 0% Up to $15.00 cash back per month | $0 | $0 |
| SMALL BUSINESS SPENDING (Checking) | 0.03% | $0 | $2,500 |
CERTIFICATE OF DEPOSIT RATES
Opening balance and minimum balance requirements are the same. Flexible CD terms are available; ask for details. IRA certificate terms are 12 months, 24 months, 36 months, 48 months & 60 months.
Effective as of 10/1/2025
| CERTIFICATE OF DEPOSIT TERM | ANNUAL PERCENTAGE YIELD | MINIMUM DEPOSIT |
|---|---|---|
| 6 MONTHS | 4.00% | $500 |
| 12 MONTHS | 3.85% 3.90% | $500 $100,000 |
| 18 MONTHS | 3.55% 3.60% | $500 $100.000 |
| 24 MONTHS | 3.50% 3.55% | $500 $100,000 |
| 36 MONTHS | 3.35% 3.40% | $500 $100,000 |
| 48 MONTHS | 3.30% 3.35% | $500 $100,000 |
| 60 MONTHS | 3.25% 3.30% | $500 $100,000 |
LOAN RATES
Effective as of 10/1/2025
| DESCRIPTION | TERMS AVAILABLE* | RATES AS LOW AS* | APPLY TODAY! |
|---|---|---|---|
| NEW & USED AUTO Purchase from a dealer or private party | Up to 84 months & up to 130% of NADA Retail Value | 5.39% APR | Apply Online |
| REFINANCE NEW & USED AUTO Refinance from another Financial | Up to 72 months & up to 130% NADA Retail Value | 5.39% APR | Apply Online |
| AUTO EQUITY (Title Loan) Use your vehicle title and get a great rate! | Up to 72 months & up to 100% NADA Retail Value | 5.39% APR | Apply Online |
| Other Secured Motorcycles & RVs | Up to 84 months & 100% NADA Retail Value | 6.49% APR | Apply Online |
| FIRST MORTGAGE Refinance your First Mortgage with MCCU | Up to 30 years & 90% of the appraised value | Call or email for today’s rate | Mortgage Loan Application Required Mortgage Documents |
| HOME EQUITY Fixed Term and Rate | Up to 20 years & 90% of the home’s value. | 6.49% APR | Apply Online Required Mortgage Documents |
| HOME EQUITY LINE OF CREDIT (HELOC) Capped rate adjustment per quarter based on the Prime Index Rate. | 10-year draw period with a 20-year payment. | 8.25% APR Variable Rate Maximum rate is 18.00% | Apply Online Required Mortgage Documents What you should know about HELOCs |
| HOME EQUITY LINE OF CREDIT (HELOC) Non-Capped rate adjustment based on the Prime Index Rate. | 10-year draw period with a 20-year payment. | 7.25% APR Variable Rate Maximum rate is 18.00% | Apply Online Required Mortgage Documents What you should know about HELOCs |
| PREMIER REWARD VISA CREDIT CARD | Premier Rewards – earn 1 point for every $1 that you spend. Use points for gift cards, travel or merchandise. | 13.74% APR Variable Rate. Maximum rate is 18.00% | Apply Online Credit Card Application Disclosure |
| UNSECURED/PERSONAL | Up to 48 months | 11.49% APR | Apply Online |
| SHARE SECURED Borrow from your own money at a great low rate! | Up to 5-year term | 3.00% + secured share’s dividend/interest rate | Call or email to apply No Credit Check Required |