LOANS FOR ALL YOUR NEEDS
Just use our online loan application to apply any time 24/7! It’s fast, convenient, safe, and secure.
|VEHICLE LOANS|| || || (Loan Payment CALCULATOR) |
|Purchase a new or used auto with competitive financing from Metro. We offer quick pre-approvals and a streamlined application process, so you can get on the road fast!|
|LOAN TYPE||MODEL YEAR||UP TO 4 YEARS||UP TO 5 YEARS||6+ YEARS*|
|New Boat/RV/Motorcycle||2016-2017||3.99% ||4.49%||Available|
|Vehicle Title Loan||2007-2017||4.99%|| 5.49%|| |
Rates for purchase or refinance. Financing is 90% of the purchase price for new vehicles and the NADA/Kelly Blue Book loan value for used vehicles. Up to 100% financing available at 1.00% premium. *The minimum loan amount is $20,000 for 6 & 7 year terms. Rates not available to refinance existing METRO loans.
|SIGNATURE (PERSONAL) LOANS|
|If you’re looking to consolidate debt, pay for unexpected repairs, make a large purchase, or pay for that dream vacation, we offer great rates, flexible terms and convenient repayment options.|
|LOAN TYPE||UP TO 4 YEARS||UP TO 5 YEARS||LOAN TERMS|
|Signature Loan||13.99%||14.99%||Min Loan $1,000|
|Signature Loan|| 9.99%||10.99%||Min Loan $5,000|
|Share Secured Loan|| 3.79%||3.99%||Loan amount equal to savings balance|
|Overdraft Protection Loan |
|18.00%|| ||Min Line-of-Credit $1,000|
Min payment $100
|MORTGAGE / HOME EQUITY||TERM||RATE||LTV LIMITS||MINIMUM LOAN|
|Home Equity Line-of-Credit ||15 Years||5.24%*||up to 85%||$20,000|
|Home Equity Fixed |
|5 Years||4.99%||up to 85%||$20,000|
| ||10 Years||5.99%||up to 85%||$20,000|
|First Mortgage |
|10-30 Years||CALL||up to 80%|| |
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|VISA CREDIT CARD|| RATE|| MIN CREDIT LINE|| ANNUAL FEE|| |
|VISA Secured|| 13.80%|| Minimum $500|| $0.00|| |
|Visa Classic||13.80%||Minimum $1,000||$0.00 || |
|Visa Platinum ||11.80%||Minimum $5,000||$0.00|| |
PRIME RATE HISTORY
What is the Prime Rate?
The Prime Interest Rate is the interest rate charged by banks to their most creditworthy customers (usually the most prominent and stable business customers). The rate is almost always the same amongst major banks and credit unions. Adjustments to the prime rate are made at the same time; although, the rate does not adjust on any regular basis. The Prime Rate is usually adjusted at the same time and in correlation to the adjustments of the Fed Funds Rate. Publications may also refer to the Wall Street Prime Rate or the WSJ Prime Rate. In addition to commercial loans and credit card rates, many consumer loans are based upon Prime, including: home equity loans, car loans, and personal loans.
|Prime Rate Change Date|