Metro Credit Union Chelsea MA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Metro, your trusted financial partner located at 200 Revere Beach Pkwy, Chelsea, MA 02150. Established in 1926, we have proudly served our community for nearly a century, building strong relationships with our 216,366 members. At Metro, we understand that financial well-being is crucial for you and your family, which is why we offer a wide array of services tailored to meet your needs from personal banking and auto loans to business financing. With total assets exceeding $3.4 billion, we are committed to providing secure and reliable financial solutions. Our dedicated team, led by CEO Robert Cashman and Board President Mark Smoller, strives to empower you on your financial journey. We boast a strong net worth of $283,524,463 and total deposits of $88,435,184, ensuring that your money is in safe hands. While you can visit us at our Chelsea branch for all your banking needs, please note that official correspondence should be sent to the same address: 200 Revere Beach Pkwy, Chelsea, MA 02150-1608. Whether you're looking to open a new account or explore loan options like our competitive auto loans (with over 68,862 loans currently active) we invite you to reach out at 877-696-3876 or explore more about us at [metrocu.org]( http://www.metrocu.org ). Your financial success is our priority. Join us today and experience the Metro difference!

Branch History & Mission

At Metro, we pride ourselves on a rich history that spans back to our founding in 1926. Over the decades, we have nurtured a strong commitment to serving the financial needs of our members in Chelsea, MA, and beyond. Our branch, located at 200 Revere Beach Pkwy, has become a cornerstone of the community, providing essential banking services while fostering a sense of belonging and support. Since our inception, we have grown significantly, currently boasting a membership of over 216,000 individuals. This growth reflects not just an increase in numbers but a deeper connection with our community. We have continuously evolved to meet the changing needs of our members while maintaining our core mission: to empower individuals through accessible financial services and community support. Our mission is straightforward yet powerful. We strive to provide our members with comprehensive personal and business banking solutions that enhance their financial well-being. From checking and savings accounts to auto loans and mortgages, we aim to help our members achieve their goals. Additionally, we prioritize giving back to the community through various outreach programs and partnerships that uplift those around us. While you can visit us at 200 Revere Beach Pkwy, official correspondence should be sent to 200 Revere Beach Pkwy, Chelsea, MA 02150-1608 if you need assistance by mail. Our branch is fully equipped with modern conveniences such as ATM access and drive-thru banking services for your ease. We are committed to ensuring accessibility for all members, including those with disabilities. Our operating hours reflect our dedication to being available when you need us most: 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. As we look forward to the future, we invite you to join us on this journey at Metro. Experience firsthand how we can support your financial aspirations while contributing positively to the community. Together, let's build a brighter tomorrow! For any inquiries or assistance, feel free to reach out at 877-696-3876 or visit our website at [Metro Credit Union]( https://www.metrocu.org/ ).

Branch Location & Accessibility

Welcome to Metro, your friendly neighborhood credit union located at 200 Revere Beach Pkwy in Chelsea, MA. Whether you're popping in for a quick transaction or seeking advice on personal banking solutions, our branch is conveniently situated near local landmarks that make it easy to find us. Just a stone's throw away from the vibrant Chelsea Square, you can easily stop by during your day-to-day activities. At Metro, we prioritize accessibility and convenience for all our members. Our branch features ADA-compliant facilities, including ramps and accessible parking options to ensure everyone can visit us comfortably. If you're short on time, take advantage of our drive-thru service, which allows you to handle essential banking tasks without leaving your vehicle. For those who prefer self-service, we also have an ATM available for quick cash withdrawals and balance inquiries. Our operating hours are designed with your busy schedule in mind. We're open Monday through Wednesday from 9:00 AM to 5:00 PM, and extend our hours until 6:00 PM on Thursdays and Fridays. Plus, if you need to swing by on a Saturday, we're here from 9:00 AM to 1:00 PM! Should you need to reach out before your visit or have any questions about our services ranging from checking and savings accounts to auto loans and business banking you can give us a call at 877-696-3876. While members can visit us at our branch address for all their banking needs, please note that official correspondence should be sent to the same address. We invite you to come experience the Metro difference! Whether you're looking for financial guidance or just need a place to manage your money effectively, we're excited to welcome you into our community.

Member Eligibility

Joining Metro is like becoming part of a caring family that's dedicated to your financial well-being. To become a member, you'll need to meet some simple eligibility criteria that make it easy for everyone to join our supportive community. Generally, if you live, work, worship, or go to school in the area surrounding 200 Revere Beach Pkwy Chelsea Ma 02150, you are likely eligible to sign up. We believe in making banking accessible, so don't hesitate to reach out if you have any questions about your specific situation! Becoming a member at Metro comes with fantastic benefits, from competitive interest rates on loans and savings accounts to personalized customer service. If you're ready to take the next step and open an account, we've made that process straightforward and user-friendly. You can find all the details about eligibility and account opening by visiting [this link]( https://www.metrocu.org/ ). For any inquiries or assistance, feel free to call us at (877) 696-3876. We're excited to welcome you into our community!

Business Banking & Commercial Services

Member and Non-Member Loan Opportunities

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.

Merchant Services That Make Sense

In addition to our loan offerings, we provide comprehensive merchant services that simplify payment processing for your business. Imagine easily accepting payments from customers, whether in-person or online, without the hassle of complicated setups. Our solutions ensure you can focus on what matters most running your business effectively. Located at 200 Revere Beach Pkwy Chelsea Ma 02150 in Chelsea, MA, we're here to partner with you every step of the way. For inquiries, feel free to reach us at (877) 696-3876. Let's work together to achieve your business goals!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? Our ATM services ensure that you can withdraw money whenever needed without hassle. With convenient locations around town, accessing your funds has never been easier.

Auto Loans & Vehicle Financing

Are you thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy for you to hit the road in style. We offer competitive rates and flexible terms so you can find a plan that suits your budget. Plus, our team is ready to assist you throughout the process, ensuring that you get the best deal possible.

Business Banking

For small business owners, our business banking services provide essential tools such as merchant services and business loans. Whether you're launching a new venture or expanding an existing one, we're here to support your growth every step of the way.

Credit Cards with Rewards

To enhance your spending experience, consider our credit cards with rewards program. Earn points for everyday purchases that can be redeemed for travel, merchandise, or cashback. It's an excellent way to make the most out of your everyday spending while enjoying financial flexibility.

Drive-Thru Banking

For those who prefer a more traditional approach, our drive-thru banking allows you to handle deposits and withdrawals without leaving your car. It's perfect for busy days when time is of the essence. At Metro, we pride ourselves on making financial management simple and accessible through all these services and more. If you have any questions or want to learn more about how we can help meet your financial needs, please reach out at (877) 696-3876. Join us today and discover how we can make banking work for you!

Mortgage Loans & Refinancing

If homeownership is on your mind, look no further than our mortgage loans and refinancing services. We provide various mortgage options designed to fit different needs whether you're buying your first home or looking to refinance your existing mortgage for better rates. With personalized assistance, we'll guide you through each step of the journey.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services have got you covered. Imagine having access to accounts that offer flexibility and convenience for your daily transactions. You can easily deposit checks, transfer funds, and monitor your spending all from the comfort of your home through our online and mobile banking platforms.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, but with our personal loans and debt consolidation services, managing those costs becomes easier. Need funds for home improvements or unexpected bills? We offer straightforward loan options that help simplify repayment while lowering interest rates on existing debts.

Digital & Online Banking

Easy Transfers and Payments

With our person-to-person transfer feature, sending money to friends or family is as easy as a few taps on your phone. Plus, while we currently don't offer mobile payments, our other features ensure you can manage your accounts without hassle.

Key Features

Need to check your balance or transfer funds? Our online banking platform allows you to do just that anytime, anywhere. You can access your accounts, view e-statements, and even authorize transactions with electronic signatures for added security. If you prefer using a mobile app, you're in luck! We have a user-friendly mobile application that makes banking on the go simple and efficient.

Secure and Accessible

At Metro, we prioritize your security. Our online banking system is designed with strong encryption to keep your personal information safe. You can rest easy knowing that every transaction is protected. Whether you're checking balances or making payments, our platform provides an intuitive experience tailored for ease of use. In short, whether you're looking to manage day-to-day expenses or keep track of savings goals, our digital banking services empower you to stay connected with your finances effortlessly. Experience the convenience today by visiting us at https://www.metrocu.org/ !

Financial Strength

At Metro, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, highlighting why you can trust us with your banking needs. 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. 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. 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 is significant as we have $27,984 in used auto loans and $2,978,446,625 in total loans and leases, supporting members' financial goals across various sectors. Our operations reflect efficiency with a net income of $0, 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. The strength of our membership base is evident with a total of 356,472 share accounts. This growing trust from our community affirms that Metro is the right choice for your financial journey. 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 200 Revere Beach Pkwy Chelsea Ma 02150 or call (877) 696-3876 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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, you can trust us to support your automotive needs.

Business Loans

For business owners, our outstanding commercial loans totaling $485,540,313 provide the capital needed to grow and expand your enterprise. We aim to support local businesses and foster economic growth within our community. If you're considering refinancing or want to explore eligibility options for any of our loan products, feel free to reach out. We are here to guide you through the process and find the best solutions tailored for you. At Metro, we're committed to serving our members with transparency and integrity. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For any inquiries or to get started, give us a call at (877) 696-3876. Let's work together toward your financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $153,333,892, providing flexibility and convenience for aspiring homeowners.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $12,193,070 in loans helping members manage their finances effectively. This product allows you to make purchases while enjoying competitive interest rates.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that users receive fair and transparent offers. By partnering only with reputable lenders, LendMesh guarantees that the information you see is reliable and up-to-date.

Metro

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans