Drive More, Pay Less – METRO’s Auto Event 

Auto Loans Made Easy at Metro
Rates as low as 4.29% APR*
Flexible Terms Up to 84 Months | Purchase or Refinance
Optional Add-ons: Low-Cost Loan & Vehicle Protection

Click APPLY NOW to submit your loan application and get PRE-APPROVED today!

Why Choose a METRO Auto Loan?

💰 Low Rates, Flexible Terms
Competitive rates starting at 4.29% APR* with financing terms up to 84 months.

🔄 Purchase or Refinance Options
Whether you’re buying new, used, or refinancing your current loan—we’ve got you covered.

🛡️ Low-Cost Auto Protection Add-ons
Save more with Member Loan Protection, GAP Coverage, and Mechanical Repair Coverage.

👥 Metro Member Perks
Enjoy personalized service, faster approvals, and exclusive credit union benefits.

🔒Protect Your Loan & Vehicle – the Smart Way

All options are designed to keep your finances safe without breaking your budget. CLICK HERE For more information!

Additional Terms and Conditions:

*Rates and offers are current as of 04/01/2025 and are subject to change. Final rate for all collateral loans is based on credit score, amount financed, year of vehicle, and term. Term will vary by year of vehicle and amount financed. Rates quoted assume excellent borrower credit history with 15% down payment and may be higher depending on individual credit rating.

New Auto Loans: The loan rate applies to New Vehicles only. New Vehicles are those for which you are the original owner and the UNTITLED vehicle is model year 2024 or newer with less than 3,000 miles. Up to 125% financing is available with an added premium. Vehicle weight and mileage restrictions apply.

Used Auto Loans: Metro will determine the Maximum used car loan using a JD Power value. Financing is available up to the JD Power valuation, not to exceed 125%. Vehicle weight and mileage restrictions apply.

Payment Example: The approximate monthly payment on a $25,000 loan at 4.99% APR (rate discount included) for 60 months is $471.58. The total finance charge is $3,294.27, and the total loan cost is $28,294.27.

Rate Discounts:  A .50% rate discount will be applied to Auto Loan rates with a down payment of 15% or more. The rates above include the rate discount.

APR = Annual Percentage Rate. Your actual APR will be determined at the time of loan approval and will be based on your down payment, vehicle year, term, and credit information.

All loan applications are subject to METRO Federal Credit Union lending guidelines. Up to 125% financing is available with an added premium on vehicles that do not exceed 100,000 miles. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates are not available to refinance existing METRO loans.

Welcome to Your Trusted Car Buying Service!

Shop online for your next car with METRO

With us, you’ll have access to millions of cars nationwide, complimentary vehicle history reports, great loan rates, and member benefits on insurance and loan protection products – all in one place! Shop with confidence before you buy.

–> START SHOPPING <–

Why Choose METRO’s Car Buying Service?

How It Works:

Browse Vehicles Search new and used cars online through GrooveCar

Compare & Research View Pricing, vehicle specs and history reports

Get Pre-Approved Apply for a low-rate auto loan with METRO FCU

Drive Away Happy! Purchase with confidence and enjoy your buying experience

Ready to find your next car? Click below to explore your options.

BONUS: Pre-Approval Benefits with METRO!  Secure your loan and save more! 
Getting pre-approved with us not only streamlines your car-buying process but also gives you extra bargaining power at the dealership.  With pre-approval, you’ll know your budget ahead of time and enjoy faster processing when you’re ready to purchase.  

Why Pre-Approval Matters:

• Confidence: Know your purchasing power before you shop.
• Speed: Accelerate the buying process with a pre-approval.
• Security: Lock in a competitive rate.

APPLY ONLINE NOW!

Are you ready to tap into the value of your home?

Look no further than our Home Equity Line of Credit (HELOC) Special!  At METRO, we’re dedicated to helping you achieve your financial goals with ease and affordability.  

For a limited time only, take advantage of our incredible offer:

🏡 Rate Reduction: Pay as low as 4.99% APR* on the first year of your loan!

 

💰 Processing Fees Slashed: Processing fees reduced to just $199 (non-refundable)!

With our HELOC special, you can access the equity in your home to finance home improvements, consolidate debt, cover unexpected expenses, and more. Plus, with our competitive rates and flexible term, you’ll have the peace of mind knowing you’re getting the best deal possible.

LOAN AMOUNT: Borrow up to $250,000 TERM & RATE: 20-YEAR Term with a reduced rate through 6/30/2026! Introductory rate as low as 4.99%APR* MAXIMUM LOAN TO VALUE: up to 80% based on qualification UNDERWRITING FEES: FEES REDUCED! $199 APR=Annual Percentage Rate Application Fee is non-refundable and is due after the initial pre-approval

Don’t miss out on this opportunity to make your dreams a reality! Contact us today at 847-670-0456 to learn more, or apply online.  Take the first step towards financial empowerment with METRO!

*Terms and conditions apply. Offer valid for a limited time only. The introductory rate is valid on your loan until 06/30/2026 . Introductory rate as low as 4.99%APR  for “A” credit. Processing fees reduced to $199, which is non-refundable. Subject to credit approval. 

Book your loan now and take advantage of this great offer! 

Act NOW – Apply Online!  Please contact Gabby or Ryan in METRO’s Loan Department at 847-670-0456, ext. 2, with any questions.

Please click here to view FIXED Home Equity Rates.

ADDITIONAL TERMS:
*The final introductory rate is based on credit score and mortgage position. Introductory rate as low as 4.99%APR for “A” credit. Loan rate recalculates to current published rate plus an added margin on July 1, 2026. Up to 80% Loan-to-Value financing based on qualification. Processing fee is non-refundable and due after initial loan preapproval. You can avoid the annual Home Equity Line-of-Credit fee by maintaining a loan balance or performing an advance at least once per year.  Loan applications are subject to METRO’s lending guidelines.  The rate is subject to change January 1st and July 1st each year. The prime rate is currently 7.50% as published in the Wall Street Journal as of December 19, 2024. Minimum monthly payment is $100.  Property values are based on the lesser of the current appraised value or a Freddie Mac Home Value Explorer (HVE®) with a condition report. Independent appraisals not accepted. Consult your tax advisor regarding tax-deductible interest.  Offer valid through June 30, 2025.  Rates subject to change. Savings account is required for credit union membership.

Payment Example: Approximate monthly payment on a $50,000 loan at 4.99%APR for 20 years is $329.74. Total finance charge: $29,134.27. Total loan cost: $79,134.27.

APR = Annual Percentage Rate. Your actual APR will be determined at the time of loan approval and will be based on your down payment, vehicle year, term, and credit information.

Introducing MessagePay: Your Quick Loan Payment Solution

Life can get busy, and sometimes loan payments are forgotten. To help you avoid late fees, METRO is excited to introduce MessagePay, a handy tool for those urgent payment moments. With MessagePay, you can quickly and affordably make payments to steer clear of late penalties.

Make Easy Mobile Payments

MessagePay revolutionizes your loan payment process. This innovative platform allows you to make payments easily from your mobile device through a text message, using any external bank account. It’s perfect for ensuring timely payments, especially when you’re pressed for time.

Avoid Late Fees

Using MessagePay isn’t just about making a payment; it’s a smart way to save money and maintain your account’s good standing. The $5.99 convenience fee for each loan payment via MessagePay is a cost-effective alternative to a $30 late fee, giving you peace of mind and financial flexibility when you need it most.

CLICK HERE TO MAKE A PAYMENT

Setting up Your Account:

1. Verify Your Account

2. Create Your 4 Digit PIN

3. Set Your Preferred Payment

4. Make a Payment!

CLICK HERE TO MAKE A PAYMENT

How MessagePay Works

Once you sign up for MessagePay, you’ll get a text message informing you of the amount due on your loan. You’ll be able to review your payment options, or you can opt out of our text message service by texting “STOP.”
The link will take you to a portal where you will be asked to verify your account with your account number and date of birth.

When you verify your account for the first time, you’ll have to set up the following:

• 4-Digit PIN: Once you’ve entered your account number and date of birth, you’ll be prompted to create a 4 digit pin. Store this information in a secure location; you’ll need your PIN to verify future payments.

• Preferred method of payment: To make a payment you will have to add a preferred form of payment in the portal. You can do this by selecting “Add New Debit Card” or “Add New Bank Account” which will prompt a secure website for you to input your information. If completed correctly, there will be a message stating “Payment Method Success” and you’ll be redirected to the payment portal.
• Once your account has been successfully verified, you’ll be directed to the payment portal where you will be able to see all of your loans and will also be able to select your preferred payment method.

CLICK HERE TO MAKE A PAYMENT

MessagePay Benefits

-The transaction fee to use MessagePay is only $5.99.

-Encrypted information guarantees your information is secure.

-Convenient ways to pay from an external account: text, website, and online and mobile banking.

-Payments are accepted from checking accounts, savings accounts and debit cards.

MessagePay FAQs

Can I make payments on my loans through online and mobile banking?

Log in to your online or mobile account and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.

If I opt out of receiving text messages can I still pay my loans online?

Yes, you will have to access the payment portal through our website or online or mobile banking. However, you will not receive any text notifications regarding payment reminders and you will not be able to make a payment via text message.

How can I make a payment via text message?

Once you receive a text reminder, you respond “Pay” to that same text. You will be asked to enter your pin to verify your account, once you have completed this process your payment will be complete and you should receive a confirmation text. PLEASE NOTE: you will have to setup a 4 digit pin and preferred payment method prior to using text payments.

Get the most out of your money with a METRO Share Certificate. Open your Certificate today, because this special is for a limited time only!

Our current Share Certificate specials are below:

5-Month Share Certificate at 4.02% APY – NEW MONEY
3.95%APR – Minimum $25,000 Deposit.

Special valid as of 03/01/2025 for new money deposited into the credit union.  Rates are subject to change, but the rate will remain in effect for the term of the certificate once issued.  Funds earn dividends from the first business day of deposit through the day of withdrawal. Dividends are paid monthly on the last day of the month.  Dividend penalties apply for early withdrawals.  Account withdrawals, penalties, or fees may reduce earnings and the stated APY.  Upon maturity, the certificate will renew to a 6-month term at the current listed rate.  The account will be automatically renewed at the like term at the close of business on the Maturity Date unless the funds are withdrawn within the 7-day period after the maturity date.

5-Month Share Certificate at 3.97% APY
3.90%APR – Minimum $25,000 Deposit.

Special valid as of 03/01/2025.  Rates are subject to change, but the rate will remain in effect for the term of the certificate once issued.  Funds earn dividends from the first business day of deposit through the day of withdrawal. Dividends are paid monthly on the last day of the month.  Dividend penalties apply for early withdrawals.  Account withdrawals, penalties, or fees may reduce earnings and the stated APY.  Upon maturity, the certificate will renew to a 6-month term at the current listed rate.  The account will be automatically renewed at the like term at the close of business on the Maturity Date unless the funds are withdrawn within the 7-day period after the maturity date.

11-Month Share Certificate at 3.92% APY – NEW MONEY
3.85%APR – Minimum $25,000 Deposit.

Special valid as of 03/01/2025 for new money deposited into the credit union.  Rates are subject to change, but the rate will remain in effect for the term of the certificate once issued.  Funds earn dividends from the first business day of deposit through the day of withdrawal. Dividends are paid monthly on the last day of the month.  Dividend penalties apply for early withdrawals.  Account withdrawals, penalties, or fees may reduce earnings and the stated APY.  Upon maturity, the certificate will renew to a 12-month term at the current listed rate.  The account will be automatically renewed at the like term at the close of business on the Maturity Date unless the funds are withdrawn within the 7-day period after the maturity date.

11-Month Share Certificate at 3.87% APY
3.80%APR – Minimum $25,000 Deposit.

Special valid as of 03/01/2025.  Rates are subject to change, but the rate will remain in effect for the term of the certificate once issued.  Funds earn dividends from the first business day of deposit through the day of withdrawal. Dividends are paid monthly on the last day of the month.  Dividend penalties apply for early withdrawals.  Account withdrawals, penalties, or fees may reduce earnings and the stated APY.  Upon maturity, the certificate will renew to a 12-month term at the current listed rate.  The account will be automatically renewed at the like term at the close of business on the Maturity Date unless the funds are withdrawn within the 7-day period after the maturity date.

24-Month IRA Share Certificate Special
3.66%APY – Minimum $25,000 Deposit.
3.76%APY – NEW MONEY, Minimum $25,000 Deposit

Special valid as of 03/01/2025.  Rates are subject to change, but the rate will remain in effect for the term of the certificate once issued.  Funds earn dividends from the first business day of deposit through the day of withdrawal. Dividends are paid monthly on the last day of the month.  Dividend penalties apply for early withdrawals.  Account withdrawals, penalties, or fees may reduce earnings and the stated APY.  Upon maturity, the certificate will renew to a 24-month term at the current listed rate.  The account will be automatically renewed at the like term at the close of business on the Maturity Date unless the funds are withdrawn within the 7-day period after the maturity date.

Thank you for visiting METRO

Join today for access to low rates, lots of products, and exceptional service!

When you open a savings account at METRO, with as little as $10, you become a member-OWNER.  We understand different member needs and expectations and we strive to exceed them.  This includes consistently delivering services in a professional and caring manner, worthy of our member-OWNERS.

Once a member, you have access to ALL of METRO’s products and services! 

This includes:

• Lifetime membership (once a member, always a member!)
• Membership for your immediate family
• Low loan rates
• Competitive dividend rates on savings products
• 24/7 online and mobile account access
• Checking, Savings, and Club accounts
• IRA, ROTH IRA and Share Certificates
• CO-OP Shared Branching
• Send or request money with Zelle (available with Online Bill Pay)
• and MUCH MORE!

Here’s how to join….

What do I need to open an account?

All you need is your ID!  We will also have you sign a Membership Account Application.  In compliance with the USA Patriot Act, METRO has established a member verification procedure.  In order to safeguard your accounts, we will ask that you provide us with a photo ID and signature which will be stored with your account information.

Who can join?

METRO is a community credit union serving portions of Cook, DuPage, Lake and McHenry Counties.  You are also eligible to join us if the following applies to you:

• You are employed by one of our Sponsoring Employer Groups
• You live in the boundaries of our community charter
• You are an immediate family or household member of an existing METRO Federal Credit Union Member,
• You work within the boundaries of our community charter
• You volunteer within the boundaries of our community charter
• You worship or attend school within the boundaries of our community charter
• You have a business within the community charter and/or regularly conduct business in the local community

A few reasons to choose a credit union…

Just in case you’re not convinced yet.

We’re Not-for-profit! Credit unions do not issue stock or pay dividends to outside stockholders.  Earnings are returned to METRO members	Ownership Each credit union Member has ownership.  Every customer is both a member and an owner.	Social Purpose:  People helping people! Credit unions exist to help people, not make a profit!
Special Offers & Discounts Take advantage of member-exclusive offers and discounts that save you money on park tickets, insurance, car buying and more!	Great Products & Great Rates Have access to member benefits that include quarterly loan specials, free services, and competitive rates.	Low Fees & Charges One of the benefits of being a not-for-profit organization is that we get to keep our fees and charges low!

Just a reminder…

New Account Membership can be completed with an application in the lobby, through the drive-thru, email, fax, or by DocuSign. You may contact us at 847-670-0456, ext. 1, to make an appointment to secure your time slot with one of our staff.

New Loan Applications can be completed by applying online, completing an application in the lobby, through the drive-thru, email, fax, or by DocuSign.

If you have any questions in regards to a new account or new loan, please give the office a call Monday & Tuesday 8-5pm, Wednesday 9-5pm Thursday & Friday 8-5pm, or Saturday 8-1pm at 847-670-0456 to speak to one of our friendly employees.

As a reminder, Your Money Is Safe and Insured by the NCUA.  Your deposits are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA).

Stay up to date with our COVID-19 response here.