Metro Credit Union Chelsea MA | Best Auto Loans & Business Banking

Introduction

Welcome to Metro, your trusted financial partner located at 365 Broadway, Chelsea, MA 02150. Established in 1926, we have been dedicated to serving our community for nearly a century, building relationships based on trust and commitment. With a robust membership of 216,366 individuals, we pride ourselves on being more than just a credit union; we are a vital part of the Chelsea community. At Metro, we understand that financial needs vary from person to person. That's why we offer a diverse range of services including personal banking, auto loans, mortgage financing, and business loans. Our total assets of over $3.44 billion demonstrate our strength and stability in helping you achieve your financial goals. Whether you're looking to save for the future or finance a new vehicle, we've got you covered with competitive rates and personalized service. Our leadership team is here to guide you every step of the way. Under the direction of CEO Robert Cashman and Board President Mark Smoller, we focus on providing excellent service while maintaining a solid financial foundation. With a net worth of $283 million and total deposits reaching $88 million, you can feel confident that your money is safe with us. While members can visit us at our branch location, official correspondence should be sent to the same address: 365 Broadway, Chelsea, MA 2150. If you have any questions or need assistance, don't hesitate to reach out! You can contact us at 877-696-3876 or explore our offerings online at Metro's website. Join us today and experience the difference of being part of Metro a credit union that cares about your financial well-being!

Branch History & Mission

Community Commitment

While members can visit us at 365 Broadway, official correspondence should be sent to 365 Broadway, Chelsea, MA 2150. We welcome everyone with open arms and encourage new faces to explore what we have to offer. With an ATM available for your convenience and friendly staff ready to assist during our operating hours Monday through Wednesday from 9:00 AM to 5:00 PM; Thursday and Friday until 6:00 PM; and Saturday from 9:00 AM to 1:00 PM we aim to make your banking experience as smooth as possible. As we continue our journey into the future, we invite you to join the Metro family. Experience firsthand how we combine traditional values with modern technology to serve you better. Your dreams are within reach when you have a reliable partner by your side. For more information or assistance, feel free to contact us at 877-696-3876 or visit us online at metrocu.org. Let's build a brighter financial future together!

Our Evolution

Since our inception nearly a century ago, Metro has remained committed to serving our members and enhancing their financial well-being. Our founding principles were simple yet profound: provide quality financial services while fostering community support. Throughout the years, we have adapted to meet the changing needs of our members by introducing innovative services such as online and mobile banking options. This commitment to progress ensures we remain accessible and relevant in today's fast-paced world.

Our Mission

At Metro, our mission is clear: to empower individuals and families through exceptional financial services while giving back to our community. We believe that by providing personal banking solutions like checking and savings accounts, auto loans, mortgage options, and business banking we can help you achieve your financial goals. Additionally, our outreach efforts focus on supporting local initiatives and partnerships that uplift those around us. We are proud of our dedication to accessibility, ensuring all services comply with ADA standards so that every member can enjoy a seamless experience. Whether you need assistance at our branch or prefer to connect online or via mobile applications, we are here for you.

Branch Location & Accessibility

Call Us Today!

If you have any questions or need assistance, don't hesitate to reach out! Give us a call at (877) 696-3876, and our friendly team will be happy to assist you. We invite you to visit us at Metro where your financial well-being is our priority!

Convenient Access and Nearby Landmarks

You can find us right on Broadway, close to local landmarks such as the beautiful Chelsea Greenway. Our location ensures that you're never far from essential banking services. Parking is available nearby, and we have made sure our branch is accessible for everyone, with ADA-compliant features that include ramps and easy entry points.

Operating Hours and Services

We know your time is valuable, which is why our operating hours are designed to fit your busy schedule. Visit us Monday through Wednesday from 9:00 AM to 5:00 PM, or stop by Thursday and Friday when we're open until 6:00 PM. On Saturdays, our doors are open from 9:00 AM to 1:00 PM, allowing you to take care of your banking even on the weekend! At Metro, we offer a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgage options, and credit cards with rewards, we've got you covered. Need cash? Enjoy the convenience of our ATM on-site for quick withdrawals and balance checks.

Member Eligibility

At Metro, we believe that everyone deserves a chance to be part of a supportive and inclusive financial community. Joining us is easy! If you live, work, or worship in the Chelsea area, you're likely eligible to become a member. We welcome individuals from all walks of life and aim to provide personalized service that meets your unique financial needs. By becoming a member at Metro, you gain access to a range of benefits including competitive loan rates, savings accounts with excellent returns, and resources designed to help you achieve your financial goals. Ready to take the next step? You can find detailed information about our membership eligibility criteria by visiting . If you have any questions or would like assistance with the application process, feel free to give us a call at (877) 696-3876. Our friendly team is here to help you open an account and start enjoying the many advantages of being part of the Metro family!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine being able to accept payments easily from customers, whether they're using credit cards or mobile payments. Our merchant services help streamline your operations so you can focus on what you do best running your business. Located at 365 Broadway Chelsea Ma 02150 in Chelsea, MA, our team is ready to assist you with personalized service tailored to your specific needs. Contact us today at (877) 696-3876 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why Metro offers robust online and mobile banking features. You can manage your accounts from anywhere, anytime whether it's checking balances, transferring funds, or paying bills with just a few clicks on your device. Our commitment extends beyond just providing services; it's about building relationships with our members. If you're ready to experience personalized service and community-focused banking, reach out to us at (877) 696-3876 or visit us in person at 365 Broadway Chelsea Ma 02150. Together, let's achieve your financial goals!

Business Banking Solutions

For small business owners, we also offer tailored business banking services, including merchant services and business loans. We recognize the hard work it takes to run a business, so we provide tools that can help you grow and succeed.

Personal Banking Made Easy

We understand that managing finances can be overwhelming at times. That's why we offer checking and savings accounts designed with you in mind. Our accounts come with features that make everyday banking simple and convenient, allowing you to focus on what matters most. Need cash? With our ATM and cash withdrawal services, you can access your funds quickly without any hassle. When it comes to financing your next vehicle, we offer competitive auto loans and vehicle financing options. Imagine driving off in your dream car with manageable monthly payments tailored to fit your budget. If you're considering purchasing a home, our mortgage loans and refinancing services can help make that dream a reality while ensuring you get the best rates available.

Support for Life's Unexpected Moments

Life can throw curveballs, and sometimes you need extra financial support. That's where our personal loans and debt consolidation options come in handy. We aim to provide flexible solutions that give you peace of mind during challenging times. To make spending even more rewarding, consider our credit cards with rewards program. This gives you the chance to earn points for every purchase, which can be redeemed for exciting perks down the road.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform lets you manage your accounts with ease. Whether you want to check balances, pay bills, or transfer funds, everything is just a click away. You can also enjoy the benefit of e-statements, making it simple to keep track of your financial activities without the clutter of paper statements. Need to send money quickly? Our person-to-person transfer service allows you to send money to friends or family without any hassle. Plus, our electronic signature authorization feature means you can sign documents digitally, saving you time and ensuring security.

Mobile Banking Made Simple

For those who prefer banking on the go, our mobile application is here for you! Available for download, this app provides all the essential features right at your fingertips. Although mobile payments aren't available yet, our app offers robust account management tools that help you stay on top of your finances.

Security You Can Trust

Your security is our priority. With strong encryption and secure login methods, we ensure that your personal information remains safe while you're managing your accounts online. We strive to make every aspect of online banking not just user-friendly but also secure. With the convenience of digital banking at Metro, staying in control of your finances has never been easier. Visit us at https://www.metrocu.org/ today to learn more about how our digital services can help simplify your banking experience!

Financial Strength

Commitment to Growth

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 robust; with $27,984 in used auto loans and $2,978,446,625 in total loans and leases, we support members' financial goals across various sectors.

Growing Trust

Our community continues to grow with a total of 356,472 share and deposit accounts. This showcases a strong and expanding member base that trusts us with their finances. Additionally, funds available for lending and investments stand at $0, further reflecting our commitment to serving you effectively. 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 365 Broadway Chelsea Ma 02150 or call (877) 696-3876 to learn more about how we can help you achieve your financial goals.

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.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables 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.

Solid Financial Foundation

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.

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 eyeing a reliable used model or a brand-new ride, our financing solutions are designed to fit your budget and lifestyle.

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 businesses face and are here to support your entrepreneurial journey. In addition to these offerings, we encourage you to explore refinancing options that may lower your monthly payments or reduce your overall interest costs. For more information about eligibility and how we can assist you further, feel free to contact us at (877) 696-3876 or visit us at our branch located at 365 Broadway Chelsea Ma 02150 in Chelsea, 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. Let us help you find the right loan product that meets your needs today!

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 terms and conditions to ensure that your path to owning a home is smooth and straightforward.

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. These cards can be an excellent tool for everyday purchases while offering features like rewards and low-interest rates.

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Metro

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans