Members First Credit Union Metro Lawrence MA | Best Auto Loans & Business Banking

Introduction

Welcome to Metro Credit Union, your trusted financial partner in Lawrence, MA! Located at 215 S Broadway, we have proudly served our community since 1926, building strong relationships and supporting our members with a variety of financial services. With a commitment to enhancing the lives of over 216,000 members, we are dedicated to helping you achieve your financial goals. At Metro Credit Union, we understand that trust is essential in banking. That's why our total assets stand at an impressive $3,443,279,071, ensuring that your money is safe with us. Whether you're looking for a personal loan or want to save for the future, we offer tailored solutions to meet your needs. Our total deposits amount to $88,435,184, reflecting the confidence our members place in us. Led by CEO Robert Cashman and Board President Mark Smoller, our team of 323 employees is here to provide exceptional service. You can rely on us for everything from checking and savings accounts to auto loans and mortgages. We also support local businesses with over 68,862 loans and leases granted. While you can visit us at 215 S Broadway, official correspondence should be sent to our mailing address: 215 S Broadway, Lawrence, MA 01843-1400. Have questions? Feel free to reach out at 877-696-3876 or explore more about what we offer at metrocu.org. Join us today and discover how Metro Credit Union can help you take control of your financial future!

Branch History & Mission

Community Engagement

Metro actively participates in various community outreach efforts aimed at enhancing the quality of life in Lawrence and surrounding areas. By partnering with local organizations and initiatives, we strive to make a lasting impact on those around us. Whether it's through financial literacy programs or sponsorships of community events, we are dedicated to fostering a spirit of collaboration that benefits everyone. In addition to traditional banking services, Metro has embraced digital advancements that ensure accessibility for all members. We offer online and mobile banking options so you can manage your finances conveniently from anywhere. If you're looking for a credit union that truly cares about its members and the community it serves, we invite you to join Metro today! Experience firsthand how we can help you reach your financial aspirations while being part of a supportive network dedicated to your success. For more information or assistance, feel free to contact us at 877-696-3876. Welcome aboard!

Our Mission

The mission of Metro is clear: we aim to empower our members by providing access to affordable financial services while fostering community development and support. We believe that everyone deserves the opportunity to achieve their financial goals. Our commitment extends beyond just banking; it encompasses supporting local initiatives and partnerships that uplift our community. While members can visit us at 215 S Broadway for all their banking needs, official correspondence should be sent to 215 S Broadway, Lawrence, MA 01843-1400. We invite you to come and experience our member-focused services firsthand during our operating hours: Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM.

Branch Location & Accessibility

Convenient Access

Our location offers plenty of parking options, making it easy for you to visit us. The branch is designed with accessibility in mind, featuring ADA-compliant ramps and entryways to ensure that everyone can access our services comfortably. If you have any questions or need assistance, our dedicated staff is always ready to help.

Get In Touch

While you can visit us at our physical address for all your banking needs, remember that official correspondence should be sent to the same address: 215 S Broadway, Lawrence, MA 01843-1400. If you have any questions or need further assistance before your visit, don't hesitate to give us a call at 877-696-3876. Come by and see how we can assist you with your financial journey! We look forward to welcoming you at Metro!

Operating Hours and Services

We understand that life gets busy, which is why we've made it convenient for you to visit us during our extended hours. Our lobby hours run from 9:00 AM to 5:00 PM Monday through Wednesday, and we stay open until 6:00 PM on Thursday and Friday. On Saturday, we're here from 9:00 AM to 1:00 PM perfect for those weekend errands! At Metro, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. You can also take advantage of our ATM services for easy cash withdrawals or balance checks.

Member Eligibility

At Metro, we believe that joining our community is a step toward financial empowerment and support. Becoming a member is simple and welcoming! If you live, work, or worship in the area around 215 S Broadway Lawrence Ma 01843, you're likely eligible to join us. We value diversity and aim to include everyone in our friendly family of members. While we encourage you to visit our website for the most current eligibility criteria at , know that we're here to help guide you through the process. Opening an account with us is straightforward, and it comes with fantastic benefits such as competitive rates on loans, personalized service, and access to a range of financial products designed just for you. If you're ready to take this step or have any questions, feel free to call us at (877) 696-3876. Let's work together to achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we provide merchant services that simplify transactions and enhance customer experiences. For instance, imagine having a seamless point-of-sale system that allows you to accept payments easily, helping you focus on what you do best running your business. Located at 215 S Broadway Lawrence Ma 01843 in Lawrence, MA, we're here to partner with you every step of the way. Contact us at (877) 696-3876 for more information about how we can assist you in achieving your business goals.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $180 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $7 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $485,540,313, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility and Support

We believe in making banking easy for everyone. That's why our branch offers basic ATM access for withdrawals and balance checks without any hassle. Should you need assistance or have questions about any of our services, don't hesitate to reach out! You can contact us at (877) 696-3876, and our friendly staff will be happy to assist. In summary, whether you're opening an account for personal use or seeking financing options for your business at Metro, we're here for you every step of the way. Visit us today at 215 S Broadway Lawrence Ma 01843, and discover how we can help meet your financial needs! Ready to take the next step? Explore all that we have to offer by visiting our website at https://www.metrocu.org/ . Your financial journey starts here!

Business Banking Solutions

If you're a business owner, our services extend beyond personal banking. We provide merchant services and business loans designed to support your company's growth. Our team is here to help you navigate the financial landscape so you can focus on what matters most running your business.

Credit Cards and Rewards

At Metro, we understand the importance of rewarding loyal members. Our credit cards with rewards allow you to earn points on every purchase, giving you the chance to enjoy perks like travel discounts or cashback on your spending.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your finances anytime, anywhere. You can easily check balances, pay bills, transfer funds, and even send money directly to friends through our person-to-person payment service. Plus, with our ATM access available at various locations, getting cash when you need it is simple.

Personal Banking Services

Our personal banking offerings include checking and savings accounts designed to help you manage your money efficiently. With competitive interest rates and no hidden fees, our accounts are perfect for everyday banking needs. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can get you behind the wheel with flexible terms that suit your budget. For those planning to buy a home, our mortgage loans and refinancing services provide tailored solutions that make home ownership more accessible. We also offer personal loans and debt consolidation options to help you achieve your financial goals without the stress of high-interest debt.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.metrocu.org/ , you can easily check your account balance, pay bills, and transfer funds without stepping foot in a branch. Plus, we offer electronic signature authorization for a hassle-free experience when signing documents online. If you prefer to go paperless, our e-statements are available, allowing you to keep track of your transactions while reducing clutter. Just log into your account to view or download your statements whenever you need them.

User-Friendly Features

Our mobile application brings banking right to your fingertips. Whether you're making person-to-person transfers or checking your account activity, everything is just a tap away. For those who love mobile payments, we've got good news: although we currently don't support mobile payments directly through the app, our other features ensure you can still manage your money effortlessly. Security is also a top priority for us. You can rest easy knowing that your personal information is protected with advanced security measures. Our 24/7 online banking services mean you're never far from your finances access them anytime you want! In short, Metro makes it easy for members like you to stay on top of their financial lives with convenience and security. Explore all the possibilities today!

Financial Strength

Commitment to Excellence

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 319 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $920,324,417 in share certificates and $669,972,531 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $138,133,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment in Community

With $268,761,060 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $27,984 in used auto loans and $2,978,446,625 in total loans and leases.

Solid Financial Health

With a net worth of $283,524,463, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $823 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

Total Share and Deposit Accounts: 356,472, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Metro is your trusted partner. Visit us at 215 S Broadway Lawrence Ma 01843 or call (877) 696-3876 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $467,007,194 in used vehicle loans and $570,956,708 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we've got you covered with competitive rates and flexible terms.

Business Financing

For business owners, our outstanding commercial loans totaling $485,540,313 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and aim to provide solutions that can help ensure success. At Metro, we believe in making financing accessible. If you're considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. You can contact us at (877) 696-3876 for more information or visit us at our branch located at 215 S Broadway Lawrence Ma 01843 in Lawrence, MA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to assist you every step of the way as you navigate your financial journey!

Credit Lines and Unsecured Loans

For those seeking flexibility in managing their finances, we also offer unsecured credit card loans with a total of $12,193,070 helping members manage their finances effectively. Plus, our credit lines totaling $1,505,760,559 allow you to borrow what you need when you need it without any hassle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $153,333,892, make buying or refinancing simple. We provide various plans that can help you secure the home of your dreams while ensuring that payments are manageable for your budget.

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METRO CREDIT UNION