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Whatever your borrowing needs, you can be assured that you will receive prompt, personal, confidential service with competitive loan products. Metrum Community Credit Union loans are simple interest and have no pre-payment penalties.
You can apply for your loan online by clicking here, in person, by phone or at one of our branches.
Don’t see what you are looking for? Give us a call and we may have a solution for you.
| Product & 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 | 6.14% APR | Apply Online |
| New & Used Auto: Refinance from another Financial | Up to 72 months & up to 130% NADA Retail Value | 6.14% 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 | 6.14% APR | Apply Online |
| Other Secured: Motorcycles & RV’s | 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 |
| Home Equity: Fixed Term and Rate | Up to 20 years & 90% of the home’s value. Estimated closing costs range from $500-$1,200, including origination and appraisal. |
6.99% APR | Apply Online |
| Home Equity Line of Credit (HELOC): Capped rate adjustment of .50% per quarter or 2.00% per year (based on Prime Index Rate plus 1.00%) |
10-year draw period with a 20-year payment. Estimated closing costs range from $500-$1,200, including origination and appraisal. |
9.50% APR Variable Rate
Maximum rate is 18.00% |
Apply Online |
| Home Equity Line of Credit (HELOC): Non-Capped rate adjustment (based on Prime Index Rate) |
10-year draw period with a 20-year payment. Estimated closing costs range from $500-$1,200, including origination and appraisal. |
8.50% APR Variable Rate
Maximum rate is 18.00% |
Apply Online |
| MCCU VISA Credit Card: Premier Rewards-earn 1 point for every $1 that you spend. Use points for gift cards, travel or merchandise |
14.99% APR Variable Rate.
Maximum rate is 18.00% |
Apply Online | |
| MCCU VISA Credit Card: Classic Card- Enjoy a simple, low fixed-rate |
11.99% APR | Apply Online | |
| Unsecured/Personal | Up to 48 months | 10.99% APR | Apply Online |
| Overdraft Line-of-Credit: Protect your account from NSF charges |
17.00% 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 |
*Loan rates listed above are the Annual Percentage Rate and are subject to credit approval and may change at any time. As Low As Rates include discounts for term, loan to value, membership and credit score. Metrum Community Credit Union is an equal housing/equal opportunity lender. Rates effective as of 12/1/2023
Regular Share Savings: Dividends declared and paid at the end of each quarter. Dividend quoted as of September 30, 2023. Account Type APY Minimum
DepositMinimum
BalanceREGULAR SHARE SAVINGS 0.1% $25 $100 HOLIDAY CLUB SAVINGS 0.1% $5 $5 VACATION CLUB SAVINGS 0.1% $5 $5 OTHER SAVINGS 0.1% $5 $5 MONEY MARKET SAVINGS 1.1% $2500 $2500 MONEY MARKET SAVINGS 1.15% $2500 $10000 MONEY MARKET SAVINGS 1.25% $2500 $25000 MONEY MARKET SAVINGS 1.5% $2500 $50000 MONEY MARKET SAVINGS 1.55% $2500 $100000 MONEY WISE CHK 0% $0 DIVID WISE CHK 0.03% $500 YOUNG OWNER CHK 0% $0 SMALL BUSINESS CHECKING 0.03% $2500
Early withdrawal penalties apply to Certificates: 6 month-11-month terms= 90 days interest penalty, 12 months and greater= 180 days interest penalty. If flexible term, (non-standard term) is chosen, CD will renew at corresponding term noted. APY (Annual Percentage Yield) assumes that interest remain on deposit until maturity, and withdrawal of interest will reduce earning on the account. All rates/APY’s are subject to change without notice. Interest is calculated on the average daily balance.
Certificate Term APY Minimum Deposit 6 MONTH SHARE CERTIFICATE 3.5% $1000 12 MO CERTIFICATE 3.9% $1000 12 MO CERTIFICATE 4% $25000 18 MONTH SHARE CERTIFICATE 3.75% $1000 18 MONTH SHARE CERTIFICATE 4.25% $25000 24 MONTH SHARE CERTIFICATE 4% $1000 24 MONTH SHARE CERTIFICATE 4.5% $25000 36 MONTH SHARE CERTIFICATE 3.25% $1000 36 MONTH SHARE CERTIFICATE 3.55% $25000 48 MONTH SHARE CERTIFICATE 3.15% $1000 48 MONTH SHARE CERTIFICATE 3.2% $25000 60 MONTH SHARE CERTIFICATE 3.05% $1000 60 MONTH SHARE CERTIFICATE 3.1% $25000 TRADITIONAL IRA CERTIFICATE 3.9% $1000 TRADITIONAL IRA CERTIFICATE 4% $25000 ROTH IRA CERTIFICATE 3.9% $1000 ROTH IRA CERTIFICATE 4% $25000 EDUCATION IRA CERTIFICATE 3.9% $1000 EDUCATION IRA CERTIFICATE 4% $25000 12MO ROTH CONV IRA 3.9% $1000 12MO ROTH CONV IRA 4% $25000 24MO TRADITIONAL IRA 4% $1000 24MO TRADITIONAL IRA 4.5% $25000 24MO ROTH IRA CERT 4% $1000 24MO ROTH IRA CERT 4.5% $25000 24MO EDUCATION IRA 4% $1000 24MO EDUCATION IRA 4.5% $25000 24MO ROTH CONV IRA 4% $1000 24MO ROTH CONV IRA 4.5% $25000 36MO TRADITIONAL IRA 3.25% $1000 36MO TRADITIONAL IRA 3.55% $25000 36MO ROTH IRA CERT 3.25% $1000 36MO ROTH IRA CERT 3.55% $25000 36MO EDUCATION IRA 3.25% $1000 36MO EDUCATION IRA 3.55% $25000 36MO ROTH CON CERT 3.25% $1000 36MO ROTH CON CERT 3.55% $25000 48MO TRADITIONAL IRA 3.15% $1000 48MO TRADITIONAL IRA 3.2% $25000 48MO ROTH IRA CERT 3.15% $1000 48MO ROTH IRA CERT 3.2% $25000 48MO EDUCATION IRA 3.15% $1000 48MO EDUCATION IRA 3.2% $25000 48MO ROTH CONV IRA 3.15% $1000 48MO ROTH CONV IRA 3.2% $25000 60MO TRADITIONAL IRA 3.05% $1000 60MO TRADITIONAL IRA 3.1% $25000 60MO ROTH IRA CERT 3.05% $1000 60MO ROTH IRA CERT 3.1% $25000 60MO EDUCATION IRA 3.05% $1000 60MO EDUCATION IRA 3.1% $25000 60MO ROTH CONV IRA 3.05% $1000 60MO ROTH CONV IRA 3.1% $25000
