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Member Education

At Metro Credit Union, we believe it’s important to provide ongoing information about our products and services. Whether a short video or infographic, we hope you find this information helpful. Be sure to check back often for new videos, articles, and links to educational information about our savings and loan products, mobile banking features, ITMs, and more.

Banking 101

Deposit Account Basics

Keeping your money in any of Metro’s savings products allows you to earn interest, referred to as dividends. Dividends are paid monthly as a way of sharing earnings with our members, who are partial owners of the credit union, rather than paying profits to outside shareholders. This approach reflects our mission to provide value to the people who bank with us.

Choosing the right savings option depends on your goals, whether you are saving for something in the near future or planning further ahead, as well as how much you are able to set aside.

Regular Savings

Our standard savings account requires a minimum balance of just $5. It is designed to give you easy access to your money whenever you need it. While it earns a lower dividend rate than some of our other savings options, it is a simple and flexible place to start.

Money Markets

Money market accounts offer higher dividend rates and are intended for members who can maintain a larger balance. Metro offers five tiers, each with its own minimum balance and earning potential. Funds remain accessible, though fees may apply if your balance falls below the required minimum for your tier or if you exceed the allowable number of transfers.

Certificates

Certificates typically provide the highest dividend rates in exchange for committing your funds for a set period of time. Metro certificates require a $500 minimum balance, with terms ranging from 3 months to 5 years. This allows you to choose an option that fits your savings timeline. Because early withdrawals are subject to a penalty, shorter-term certificates can be a good choice if you are new to certificates or prefer more flexibility.

For many members, an effective savings strategy includes a combination of accounts. A regular savings account is often the first step. Once you have built up at least $500, a certificate can help you earn more with a fixed term and a higher dividend rate.

As your savings grow, so do your options. Some members choose to spread funds across certificates with different terms while keeping emergency savings in their regular account. Others prefer the flexibility of a money market account, moving through the tiers as their balance increases and taking advantage of certificate specials when rates are especially strong.

 

 

Checking Account Basics

A checking account is the center of your everyday finances. It makes it easy to pay for groceries, gas, bills, subscriptions, and online purchases using your debit card. You can also withdraw cash at ATMs and make deposits or loan payments at our Interactive Teller Machines (ITMs), which offer ATM convenience along with live teller assistance during business hours.

Metro offers two checking account options: Simply Checking and Complete Checking.

Simply Checking

If you are new to banking or looking for a free account, Simply Checking has no minimum balance requirements and includes:

  • Free debit card for everyday spending
  • Online banking for convenient access anytime
  • Free mobile banking app to bank on the go
  • Free eStatements to easily track your spending 
  • Fee-free access to the nationwide MoneyPass ATM Network

Complete Checking

If you want added benefits and the opportunity to earn dividends on your balance, Complete Checking includes everything offered with Simply Checking, plus:

  • Free BillPay to help manage monthly payments
  • Three free out-of-network ATM transactions per month*
  • Two free cashier’s checks each month
  • Free first box of checks

Complete Checking has a $10 monthly fee. This fee can be waived by meeting one of the following requirements: a $4,000+ monthly direct deposit, a $10,000+ minimum balance, or a $25,000+ total loan balance with Metro. Please refer to Rate & Fee Schedule for full details.

Metro's checking accounts are designed to make everyday money management simple and convenient. Whether you are looking for a free account or added perks like earning dividends and free BillPay, Metro offers a checking option that fits your needs.

*Free from Metro Credit Union fees; other financial institutions may impose a surcharge fee.

 

Loan Basics

Loans can help turn goals into reality. Whether you are buying a vehicle, purchasing a home, or covering an unexpected expense, borrowing gives you access to funds when you need them. At Metro, our loans are designed to help members reach important milestones while maintaining long-term financial stability.

To qualify for a loan, you may need to show proof of income and demonstrate your ability to repay. Your credit history is reviewed to determine approval and your interest rate. These steps help ensure your loan is affordable and supports your overall financial health.

Why Metro Offers Loans

We believe in supporting our members throughout their financial journeys. Loans provide flexibility and the ability to manage larger expenses over time. With competitive rates and personalized service, Metro makes borrowing straightforward and accessible.

How Interest Works

When you borrow money, you agree to repay it along with interest. Interest is the cost of borrowing and is calculated as a percentage of your loan balance. Your rate is influenced by factors such as credit history, loan type, and term length. Lower rates reduce the total cost of borrowing over time, and Metro is known for offering some of the most competitive rates in the Omaha area.

Types of Loans We Offer

Personal Loans

A personal loan provides a lump sum that is repaid in fixed monthly payments. These loans are commonly used for unexpected expenses, debt consolidation, or major purchases. Because personal loans are unsecured, no collateral such as a car or home is required. Approval and terms are based primarily on your credit profile and debt-to-income ratio.

Auto Loans

An auto loan allows you to pay for a vehicle over time instead of all at once. Metro pays the seller, and the vehicle title is held as collateral until the loan is paid in full. Monthly payments include both principal and interest, and your interest rate directly affects the total cost of the loan.

Refinancing an existing auto loan, especially one from another lender, may help lower your interest rate or monthly payment. This can be a good option if rates have dropped or your credit has improved since you first financed your vehicle. Refinancing may free up cash while keeping your loan manageable.

Metro offers flexible terms and competitive rates for both auto financing and refinancing. Our personal bankers are available to walk through options and help you find the best fit for your situation.

Boat & RV Loans

Boat and RV loans work much like auto loans but are designed for larger recreational purchases. These loans often come with longer terms to keep monthly payments affordable. Because interest adds up over time, it is important to understand the total cost of borrowing before committing.

Credit Cards

Credit cards provide a revolving line of credit for everyday purchases. You can borrow up to your credit limit and repay over time. Interest applies to balances carried beyond the due date. Making payments on time and keeping balances low helps control costs and build a strong credit history, which can lead to better rates on future loans.

Mortgages

A mortgage is a long-term loan used to buy or refinance a home. Monthly payments include principal and interest, along with property taxes and insurance in most cases. Your interest rate plays a significant role in the total cost of the loan, and even small rate differences can add up over time.

Longer mortgage terms typically mean lower monthly payments but higher total interest costs, while shorter terms reduce interest paid overall but require higher monthly payments. Understanding these tradeoffs is key when choosing a mortgage.

Until the loan is paid in full, your home serves as collateral. Once the mortgage is fully repaid, you own your home outright.

Home Equity Lines of Credit (HELOC)

A HELOC allows you to borrow against the equity in your home, which is the difference between your home’s value and what you still owe on your mortgage. Unlike a traditional loan, a HELOC works as a revolving line of credit. You can access funds as needed during the draw period and repay them over time.

Interest is charged only on the amount you borrow. Rates are typically variable after an initial promotional or fixed period, meaning they may change with market conditions. HELOCs can be useful for home improvements, larger expenses, or as a financial safety net. Because your home is used as collateral, it is important to borrow carefully and understand how rate changes may affect your payments.

After the draw period ends, you enter the repayment phase and begin paying back any remaining balance in regular installments.

Metro loans are designed to help you move forward with confidence. From everyday needs to major life purchases, we focus on clear options, competitive rates, and a borrowing experience built around our members.

 

Your Guide to Mobile Banking

Card Controls

Learn how to temporarily freeze your card, report your card lost or stolen, and raise your daily spending limits.

Remote Deposit Capture

Learn how to deposit checks from anywhere using Metro's mobile app and your smartphone's camera.

Custom Alerts

Learn how customize your alerts on our mobile app to get the notifications you need to take control of your finances.

How to Spot When You're Being Scammed

Threats & Emotional Manipulation

Unusual Requests

Secrets & Lies

Unsolicited Offers & Requests

  • I've had a great experience that's allowed me to establish credit with my first auto loan. Thank you Metro for giving me this opportunity.
    Jessica A.
  • I joined in 1990 & always receive great service. Technology has evolved for increased convenience & loan rates are great!
    Ann T.
  • I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.
    Tammy F.
  • They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.
    Katherine V.
  • I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with them
    Duane T.
  • I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!
    Louise G.
  • I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.
    Brian G.
  • I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)
    K.W.
  • It’s always a great experience at Metro Credit Union!
    Randy J.
  • Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.
    Wendylyn M.
  • I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!
    Mohammed H.

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Certificates

earn up to 4.25% APY

Learn More

Auto Loans

as low as 3.99% APR
for up to 72 months.

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