Metro Credit Union Lynn MA | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Metro, your trusted financial partner located at 475 Western Ave, Lynn, MA 01904. Since our establishment in 1926, we have been dedicated to serving the community with a commitment to excellence and member satisfaction. With over 216,000 members and assets exceeding $3.4 billion, we pride ourselves on providing personalized banking solutions tailored to meet your needs. At Metro, we understand that every member's journey is unique. That's why we offer a wide range of services, from checking and savings accounts to auto loans and business financing. Whether you're looking for a loan or simply want to manage your finances better, our experienced team is here to help you every step of the way. Our leadership reflects our dedication to the community. Under the guidance of CEO Robert Cashman and Board President Mark Smoller, we aim to foster a welcoming environment where you can feel confident in your financial decisions. Our team of 323 employees is committed to providing exceptional service, ensuring that your experience with us is as smooth as possible. While members can visit us at our branch for face-to-face support, official correspondence should be directed to our mailing address: 475 Western Ave, Lynn, MA 01904-3317. We invite you to explore our services further by visiting our website at [Metro Credit Union]( https://www.metrocu.org/ ) or giving us a call at 877-696-3876. Join us today and discover how Metro can empower you on your financial journey!

Branch History & Mission

Commitment to Excellence

Metro embraces technology to enhance your banking experience. We offer online banking and mobile applications for easy access to your accounts anytime you need it. Whether you're withdrawing cash at one of our ATMs or utilizing drive-thru services for quick transactions, we're here for you. Our operating hours are designed for your convenience: Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Plus, with ATM availability and drive-thru banking options, managing your finances has never been easier.

Join Us Today!

As we look toward the future, we invite you to be part of our story at Metro. Join us as we continue to build a strong community bank rooted in trust and integrity. Experience firsthand how we can help you achieve your financial goals while making a positive impact in Lynn. Contact us today at (877) 696-3876 or visit [our website]( https://www.metrocu.org ) for more information!

Our Journey

From our humble beginnings, Metro has always prioritized the needs of our members. We opened our doors at 475 Western Ave, right in the heart of Lynn, where we remain dedicated to providing accessible and affordable financial services. Over the years, we've embraced change while staying true to our mission: to enhance the financial well-being of our members and empower them through education and support. Metro's growth reflects not just financial success but also a deep-rooted commitment to community engagement. We've partnered with local organizations to foster economic development and provide essential services that benefit everyone in Lynn. Our initiatives include financial literacy programs, youth scholarships, and community outreach events designed to uplift those around us.

Our Mission

At Metro, we strive to make banking simple and personal. Our mission is clear: provide exceptional financial services while supporting the community that supports us. We believe that everyone deserves access to banking products that help them achieve their dreams whether that's buying a first car with one of our auto loans or securing a mortgage for their family home. While members can visit us at 475 Western Ave, official correspondence should be sent to our mailing address at 475 Western Ave, Lynn, MA 01904-3317.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our branch sits conveniently near local landmarks, making it easy to drop by while you're out and about. Just a short drive from Lynn City Hall and close to several popular shops and eateries, you can run your errands or grab a bite after stopping in. For those driving in, we offer ample parking options right at our location. Plus, our branch is ADA compliant with ramps for easy access.

Let's Connect!

If you have any questions or want more information about our services, don't hesitate to call us at 877-696-3876. We're here to help you make the most of your banking experience! Come visit Metro today your financial journey starts here!

Operating Hours Tailored to Your Schedule

We understand that everyone has busy lives! That's why Metro offers flexible operating hours designed to accommodate your schedule. Visit us Monday through Wednesday from 9:00 AM to 5:00 PM, or come by on Thursday and Friday when we're open until 6:00 PM. On Saturdays, our drive-thru service welcomes you from 9:00 AM to 1:00 PM perfect for those quick transactions.

Services Designed for You

At Metro, we pride ourselves on offering a variety of services tailored to meet the needs of our members. Enjoy personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. For business owners, we provide merchant services and business loans to help your company thrive. Need cash? Our ATM is available for withdrawals and balance checks anytime you need it. While members can visit us at 475 Western Ave, official correspondence should be sent to the same address for streamlined communication.

Member Eligibility

At Metro, we believe that joining our community is about more than just opening an account it's about becoming part of a supportive family. Anyone who lives, works, worships, or attends school in the Lynn area is eligible to become a member. We also welcome family members of existing members, making it easy for you to share the benefits of our services with your loved ones. Becoming a member gives you access to a range of financial products designed to help you thrive, from personal banking options to auto loans and credit cards with rewards. Getting started is simple! Just visit us at 475 Western Ave Lynn Ma 01904 or give us a call at (877) 696-3876 for more information on how to open an account. For detailed eligibility criteria, check out our website at . We're excited to welcome you into the Metro family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having the tools you need to accept payments easily and efficiently. Our merchant services streamline transactions, so you can focus on what really matters growing your business. From credit card processing to point-of-sale systems, we provide practical solutions that simplify your financial operations. Located at 475 Western Ave Lynn Ma 01904, Lynn, MA, we're here to partner with you every step of the way. Contact us at (877) 696-3876 to learn more about how we can support your business journey!

Supporting Your Growth

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

Access and Convenience

At Metro, we understand that life is busy. That's why we provide easy access through various channels. Use our ATMs for quick withdrawals and balance checks, or visit us during lobby hours for personal assistance. Our Drive-Thru Banking allows you to conduct simple transactions without leaving your car perfect for those on-the-go days! As technology evolves, so do we. Our digital features include electronic statements and person-to-person payments, ensuring you can manage your finances effortlessly from the comfort of your home. If you're ready to take control of your financial future or have any questions about how we can assist you further, don't hesitate to reach out! Call us at (877) 696-3876 or visit us at Lynn today. We're excited to help you achieve your financial goals!

Credit Cards and Business Banking

Looking for a credit card that rewards you? Discover our Credit Cards with Rewards, which offer cash back on purchases so you can save while spending! For entrepreneurs and small business owners, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans, tailored to support your growth.

Loans and Financing

Need a new car? Our Auto Loans & Vehicle Financing options are here to help you get behind the wheel without breaking the bank. If you're thinking about buying a home, explore our Mortgage Loans & Refinancing services designed to make homeownership attainable. For unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation plans provide the flexibility you need.

Personal Banking Services

Whether you're looking to open a checking account for daily transactions or a savings account to plan for the future, we have options that fit your lifestyle. With our Personal Banking services, managing your finances has never been simpler. You can easily transfer funds, check your balance, or pay bills through our secure Online & Mobile Banking platforms. Imagine being able to access your accounts anytime, anywhere it's all part of our commitment to convenience.

Digital & Online Banking

Key Services for You

One of the great features we provide is electronic signature authorization, which allows you to complete transactions without needing to visit a branch. This adds an extra layer of convenience while ensuring your security is maintained. You can also enjoy e-statements, which give you quick access to your account statements online. No more waiting for paper copies in the mail! If you're someone who frequently sends money to friends or family, our person-to-person transfer feature makes it simple and fast. For those who prefer mobile banking, our user-friendly mobile application is available for download. It provides easy navigation and lets you manage your accounts right from your smartphone. Plus, although we currently do not offer mobile payments, our app covers a wide range of functions that keep you connected with your finances.

Safe and Easy Account Management

With Metro, security is always a top priority. Our online banking platform uses advanced technology to protect your information while providing real-time account management. You can check balances, transfer funds, and pay bills all within a few clicks. Whether you're at home or out running errands, our digital banking tools are designed to make managing your money easier than ever before. Experience the convenience and security of Metro's digital banking today!

Financial Strength

A 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.

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 supports your financial goals across various sectors with $27,984 in used auto loans and $2,978,446,625 in total loans and leases.

Efficient Operations

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 who are always ready to assist you with a knowledgeable, committed team.

Security for Your 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.

Trust Built on Numbers

Total Share and Deposit Accounts stand at 356,472, showing a strong and growing member base that trusts us with their finances. This trust reinforces our mission to provide reliable service while ensuring your money is safe. 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 475 Western Ave Lynn Ma 01904 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. We provide flexible terms and competitive rates to make financing your vehicle easy and affordable.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $485,540,313 provide the capital needed to grow and expand. We understand the unique challenges businesses face, and we're committed to supporting local enterprises with tailored financing solutions. At Metro, we're here to support you every step of the way. Whether you're interested in applying for a loan or simply have questions about our offerings, feel free to reach out at (877) 696-3876. 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 take the next step toward achieving your financial aspirations!

Credit Lines

For those needing more flexibility in their finances, our credit lines totaling $1,505,760,559 can be a great option. This allows you to borrow what you need when you need it while only paying interest on what you use.

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 offer various mortgage products tailored to your needs, whether you're purchasing your first home or looking to refinance your existing mortgage.

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 come with competitive interest rates and rewards programs that can benefit your everyday spending.

Loan Aggregator

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Metro

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans