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Lock-In a 5.99% Fixed Rate for 12 Months
when you transfer your credit card balances to a Metrum card.
Transfer your higher-rate credit card balances to a Metrum credit card and lock-in a fixed rate of 5.99% APR* for a full 12 months!
- No annual fees
- Earn rewards with our Premier Rewards card
- Offer available to new & existing cardholders
Contact us to transfer balances to your existing Metrum card.
*APR=Annual Percentage Rate. Balance transfer must be paid directly to another lender/card and must be completed by a MCCU employee. Maintain the 5.99% balance transfer rate for 12 statements from the date of your balance transfer. On statement cycle 13, any outstanding balance will transfer to your card’s prevailing rate. If account becomes 30 days or more delinquent, the full balance will automatically convert to the prevailing credit card rate. Balance Transfer Fee: $5.00 or 3.00% APR of the amount of each balance transfer completed, whichever is greater.
Move Your Auto Loan to Metrum
Drop Your Rate & Pause Your Payments
Don’t settle for basic. Bring your auto loan to Metrum and enjoy real savings.
- Drop your current rate by 1% APR* or more
- No payments for 90 days
- Lower your monthly payments
Stop overpaying. You deserve better.
*APR = Annual Percentage Rate. All loans offered with approved credit. Not all applicants will qualify. Your specific rate may vary based on credit and payment history. Floor rates do apply—ask a Loan Officer for details. Interest will begin accruing at the time of loan funding. New money only; existing Metrum Credit Union loans not eligible. Membership eligibility required. Limited-time offer is subject to change without notice.
SKIP Your Loan Payments & Flex Your Finances
Metrum’s Skip-a-Pay program lets you skip one month of your Metrum loan payments anytime throughout the year. You choose when to skip & flex.
To skip your Metrum loan payment, login to Online Banking and select “Skip-a-Payment,” then follow the online process. The skip-a-payment option will only be listed for eligible loans.
Terms and Conditions: By submitting your skip-a-pay request, you are requesting that Metrum Community Credit Union (MCCU) defer your loan payment(s) as indicated. You agree and understand that: 1) YOU are responsible to maintain any automatic payment schedule that you have set up for making payments to this loan; 2) FINANCE CHARGES will continue to accrue at the rate provided for in your original loan agreement, during and after that time; 3) deferring your payment will result in you having to pay higher total FINANCE CHARGES than if you made your payments as originally scheduled; 4) this payment deferral will extend the maturity date of your loan(s), at which time all remaining amounts of principal and interest must be paid; and 5) you will be required to resume your regular monthly payments in the following month. If you previously elected GAP insurance or Debt Protection Credit Life and/or Disability insurance, the insurance coverage will not be extended beyond the original maturity date. All deferrals are subject to MCCU approval. Your account must be in good standing at the time of request. If your loan payment is set up for ACH payment, request for skip payment must be received at least 5 business days prior to loan payment date. Accounts that have received a skip payment within the last calendar year or that is currently 15-days or more delinquent do not qualify. Skip payments cannot be used to skip your first loan payment (new loans). The Administrative fee is nonrefundable if the request is denied. Offer not valid on any mortgage or line-of-credit type loan.
Score $200 When You Open a New Spending Account
- Up to 4.00% APY** on High-Yield accounts.
- Up to $15/month on cash back accounts.
- No fees if you don’t meet the requirements.