Metro Credit Union Melrose MA | Affordable Auto Loans & ATM Services

Introduction

Welcome to Metro Credit Union, located at 138 Main St, Melrose, MA 02176. Since our establishment in 1926, we have been dedicated to serving our community with trust and reliability. With a strong membership base of 216,366 individuals, we pride ourselves on being a financial institution that puts people first. At Metro, your financial well-being is our top priority. Our total assets stand impressively at $3,443,279,071, enabling us to offer a variety of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and business financing solutions. Our current deposits total $88,435,184, reflecting the trust our members place in us. While you can visit us directly at our branch for all your banking needs, official correspondence should be sent to the same address: 138 Main St, Melrose, MA 2176. Our experienced team of 323 employees is here to assist you during our operating hours: Monday through Wednesday from 8:00 AM to 5:00 PM, Thursday and Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Under the leadership of CEO Robert Cashman and Board President Mark Smoller, we are committed to enhancing the financial lives of our members while contributing positively to our local community. Whether you're looking for a loan or simply want to learn more about our services like online banking or credit cards with rewards we invite you to explore everything we have to offer. Feel free to call us at 877-696-3876 for any inquiries or visit our website at [Metro Credit Union]( https://www.metrocu.org ) for more information. Join us at Metro Credit Union today where your financial goals are within reach!

Branch History & Mission

At Metro, located at 138 Main St in Melrose, MA, we proudly celebrate a rich history that began in 1926. Over the decades, our credit union has grown from a small community initiative into a financial powerhouse serving over 216,000 members. With total assets reaching an impressive $3,443,279,071, we have become a trusted partner for many individuals and families in our community. Our mission is simple yet profound: to provide accessible financial services while actively supporting the communities we serve. We believe that everyone deserves the opportunity to achieve their financial goals. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. Our commitment goes beyond just banking; we aim to empower our members through education and support. While members can visit us at our main branch on Main Street, official correspondence should be sent to the same address as our mailing address: 138 Main St, Melrose, MA 02176. Metro is dedicated to making banking convenient and user-friendly. We understand the importance of accessibility; that's why we offer ATM services for quick cash withdrawals and balance checks. Although we currently do not have drive-thru banking available, our lobby hours are designed to accommodate your needs: Monday through Wednesday from 8:00 AM to 5:00 PM, Thursday and Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. As part of our commitment to modern banking practices, we offer online and mobile banking services that allow you to manage your finances anytime and anywhere. You can also enjoy features like person-to-person payments for added convenience. Community outreach is at the heart of what we do at Metro. We engage with local organizations and initiatives aimed at improving the lives of those around us. Through partnerships and volunteer work, we strive to make a positive impact on our community. Join us at Metro and experience the difference that a member-focused credit union can make in your financial journey. Whether you're looking to open an account or explore loan options, our friendly team is here to help you every step of the way. Contact us today at 877-696-3876 or visit [our website]( https://www.metrocu.org/ ) for more information!

Branch Location & Accessibility

Getting Here

Our branch is designed with accessibility in mind. You'll find ample parking available nearby, including spots reserved for those with disabilities. We ensure that our facilities are ADA compliant so everyone can enjoy a smooth banking experience.

Operating Hours

Whether you need to open a new account or discuss loan options, our friendly staff is here for you. We're open Monday through Wednesday from 8:00 AM to 5:00 PM, and on Thursdays and Fridays from 8:00 AM to 6:00 PM. For those busy weekends, we're also available on Saturdays from 9:00 AM to 1:00 PM.

Services Offered

At the Metro branch, we offer a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you're in need of cash on the go, you'll be pleased to know that we provide ATM services right here at our location. While members can visit us at 138 Main St for all their banking needs, official correspondence should be sent to the same address. If you have any questions or would like more information about our services, please don't hesitate to give us a call at 877-696-3876. We invite you to drop by and discover how Metro can help you achieve your financial goals!

Member Eligibility

Joining the Metro community is like stepping into a supportive family that values your financial well-being. At Metro, we believe that everyone deserves access to the best banking services, and becoming a member is an easy and welcoming process. If you live or work in Middlesex County, or have a family member who is already a member, you're likely eligible to join us. We welcome individuals from all walks of life, ensuring that our membership reflects the diverse community we serve. You can find all the specific eligibility details on our website at [this link]( https://www.metrocu.org/ ), which outlines everything you need to know about becoming part of our credit union family. Opening an account with Metro is straightforward and convenient! Simply visit us at our branch located at 138 Main St, Melrose, MA 02176, or give us a call at 877-696-3876 to get started. Our friendly team is here to guide you through every step of the process and answer any questions you might have. By choosing Metro, you're not just opening an account; you're joining a community that prioritizes your needs and offers valuable financial products tailored just for you.

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, our merchant services help streamline your payment processes. Imagine a bustling café where customers can pay easily and quickly, enhancing their experience while boosting your sales. Our tools make managing transactions simple and efficient, so you can focus on what you do best running your business. Visit us at 138 Main St Melrose Ma 02176 in Melrose, MA, or call us at (877) 696-3876 to explore how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services allow for easy withdrawals and balance checks without any hassle. You can conveniently access cash when needed without stepping foot inside a branch. At Metro, we strive to deliver financial services that empower our members every day. If you're ready to explore what we have to offer or if you have questions about any of our services, give us a call at (877) 696-3876 or visit us at 138 Main St Melrose Ma 02176 in Melrose, MA. Your financial journey starts here!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options come with competitive rates that can make owning your dream vehicle more affordable than ever. Picture yourself driving off in that new car with monthly payments that won't break the bank.

Business Banking Solutions

For our local business owners, our business banking services include merchant services and business loans tailored to help you grow. We understand the challenges of running a business, and our dedicated team is here to support your ambitions.

Credit Cards with Rewards

We also offer credit cards with rewards, allowing you to earn points on everyday purchases. Whether it's dining out or shopping for groceries, these rewards can add up quickly, giving you more reasons to enjoy using your card.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing an existing mortgage, we have the mortgage loans you need. Our expert team will guide you through the process, ensuring you understand all your options and find the best solution for your situation. Imagine settling into a home that fits both your budget and lifestyle!

Online & Mobile Banking

To enhance your banking experience, we provide online and mobile banking services so you can manage your accounts anytime, anywhere. With features like electronic statements and person-to-person payments, accessing your funds is as simple as tapping on your phone or logging into our website.

Personal Banking

Our personal banking services are tailored to help you make the most of your money. We offer checking and savings accounts that fit your lifestyle, allowing you to manage your daily transactions while earning interest on your savings. Whether you're planning a family vacation or saving for a new home, our accounts are designed to help you reach those goals.

Personal Loans & Debt Consolidation

For unexpected expenses or if you're looking to consolidate debt, our personal loans can provide relief. With flexible terms and straightforward applications, getting the financial support you need has never been easier. Think of how much lighter you'll feel once you've tackled those lingering debts.

Digital & Online Banking

Easy Transfers and Security

Sending money to friends or family is a breeze with our person-to-person transfer service. Whether it's splitting a bill or sending a gift, you can do it all with just a few taps on your screen. Your security is our top priority. We employ robust security measures to ensure that your personal information remains safe while using our digital banking services. Our user-friendly interface makes navigation simple for everyone, regardless of tech-savvy levels. In summary, Metro offers an accessible way for members to manage their accounts effectively and securely. Embrace the ease of digital banking today!

Key Services

Explore our range of online services by visiting https://www.metrocu.org/ . You can sign up for e-statements, making it simpler to keep track of your transactions without the clutter of paper statements. Plus, with our electronic signature authorization feature, signing important documents has never been easier or more secure. If you're always on the go, our mobile application is here to help. It allows you to manage your accounts right from your smartphone, giving you real-time updates and notifications about your finances. Unfortunately, we currently do not support mobile payments, but our app offers a wide array of features to meet your needs.

Financial Strength

A Committed Team at Your Service

We 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. Together, we focus on providing personalized service tailored to your unique needs.

Growing Member Base

Our total share accounts stand at 356,472, showing a strong and growing member base that trusts us with their finances. This trust inspires us every day to provide exceptional service and community-focused solutions. 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 138 Main St Melrose Ma 02176 or call (877) 696-3876 to learn more about how we can help you achieve your financial goals.

Member Savings Are Secure

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 for Better Services

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 commitment to improving our services reflects our dedication to your financial success.

Strong 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. This strong foundation means we can support our community with reliable banking options tailored to your needs. Our net worth ratio of $823 demonstrates a solid capital base, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

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, we're here to help you achieve your dreams whether it's buying a new car or expanding your business.

Loan Offering

Additional Services

Beyond our loan products, we also provide other essential services like personal banking accounts, online banking options, and access to ATMs for your convenience. Our dedicated team is here to guide you through every aspect of your financial journey. If you're interested in learning more about any of these loan products or would like to explore eligibility options, please don't hesitate to reach out to us at (877) 696-3876 or visit us at 138 Main St Melrose Ma 02176 in Melrose, MA. At Metro, we're here to help you navigate your financial future with confidence!

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 purchasing a brand-new model or a reliable pre-owned vehicle, we have financing options tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $485,540,313 provide the capital needed to grow and expand. We understand the challenges businesses face and are committed to providing financial solutions that work for you.

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 competitive rates and flexible terms designed to meet your needs. If you're considering refinancing your existing mortgage, our team is ready to assist you with personalized solutions.

Unsecured Credit Cards

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. Our credit cards come with various rewards and benefits that can help you save while making everyday purchases.

Loan Aggregator

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Metro

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans