Rates as of 05/21/2026.
Members with qualifying credit and member relationships may have rates as low as:
When you secure your auto loan with Metco Credit Union, you are treated like a neighbor, not a number! Our local team handles everything in-house, offering flexible approvals and 100% financing options that fit your life. Plus, you get great low rates, zero hidden fees, and affordable loan protection plans that save you big money compared to traditional dealership prices.
2024-2026 (with less than 20,000 miles)
2022-2023 (with less than 20,000 miles)
2019-2021
2017-2018
2016 & Older
Metco Credit Union offers low-interest, flexible financing for various recreational vehicles, including motorhomes, boats, and ATVs. Our loans feature manageable monthly payments and personalized service to facilitate the purchase of outdoor vehicles.
| 2022-2026 over $20,000 & 20% down (3-yr balloon) | |||||
| 2022-2026 over $20,000 & 10% down | |||||
| 2016-2021 over $20,000 & 20% down (3-yr balloon) | |||||
| 2016-2021 over $20,000 & 10% down | |||||
| For terms of 60 months or less, use our “Vehicle” rates above. | |||||
(ATVs, snowmobiles, wave runners, lawn tractors, etc.)
If you love the outdoors, Metco Credit Union helps you hit the trails or water without breaking the budget! We offer low-rate financing for smaller power toys and outdoor equipment like ATVs, snowmobiles, wave runners, and even lawn tractors. You get friendly, local service, budget-friendly payments, and quick in-house approvals so you can get right to the fun or the yard work.
| 2024-2026 | |||||
| 2017-2023 | |||||
| 2016 & Older |
Metco Credit Union offers unsecured, fixed-payment personal loans suitable for debt consolidation, home renovations, and emergency expenses. These loans feature, fast, local approval processes to provide immediate financial flexibility.
Home Improvement Loans are perfect for quick renovations, offering fixed rates, predictable monthly payments, and no collateral required. Everything is processed with fast, local approval right in Cedar Rapids.
$5,000 Limit
Metco Credit Union offers a unique 7-Year Mortgage Loan designed to help you pay off your home quickly and save thousands in interest.
Metco Credit Union offers a variety of home buying and refinancing options featuring low rates, fewer fees, and fast, local decision-making. Available programs include fixed and adjustable-rate mortgages, specialty options like USDA and Jumbo loans, and financing for investment or second homes.
Please call us at 319.398.5007 for current rates.
Ready to make your home equity work for you? Whether you want to remodel your kitchen or pay off debt, Metco Credit Union has your back! We let you borrow against your home’s equity without changing your original mortgage. Choose a fixed-rate Home Equity Loan for a steady lump sum, or a flexible Home Equity Line of Credit (HELOC) to borrow funds as you need them.
| 90% TAV┼/Appraised (62-month balloon) | |||||
| 90% TAV┼/Appraised Fixed Term | |||||
| 100% TAV┼/Appraised (62-month balloon) | |||||
| 100% TAV┼/Appraised Fixed Term |
Ready to make your home equity work for you? Whether you want to remodel your kitchen or pay off debt, Metco Credit Union has your back! We let you borrow against your home’s equity without changing your original mortgage. Choose a fixed-rate Home Equity Loan for a steady lump sum, or a flexible Home Equity Line of Credit (HELOC) to borrow funds as you need them.
| 90% TAV┼/Appraised -0.50% (5% Floor) | |||||
| 100% TAV┼/Appraised (5% Floor) |
*APR = Annual Percentage Rate | ┼TAV=Tax Assessed Value
Home Equity Lines of Credit are variable and subject to change. Maximum APR 21%. The rate will be the Prime Rate as published in the Wall Street Journal 10 days prior to the end of each calendar quarter, plus index (if applicable)
**To receive the lowest rate, you must have a credit score of 720+ and receive a .25% off of your loan for having an active Metco Credit Union checking account and another .25% for choosing an automatic loan payment. Not good on promotional offers. Other restrictions may apply. See credit union for full details.
Metco Credit Union offers various savings options, including share savings for foundational membership, special club accounts, youth accounts, and high-yield tools like CDs and IRAs to secure financial goals. Opening a Share Savings account requires a minimum $5 deposit to establish membership and ownership.
| Share Savings ($0-$99.99) | |||
| Share Savings ($100.00+) | |||
| Youth Share Savings ($5.00+) – ages 0-17 | |||
| Mega Saver Money Market $2,500 to $7,499.99 | |||
| Mega Saver Money Market $7,500 to $14,999.99 | |||
| Mega Saver Money Market $15,000 to $49,999.99 | |||
| Mega Saver Money Market $50,000 and over | |||
| Share Draft (Checking) | |||
| Ultimate Checking up to $15,000 Requirements must be met to earn dividend. | |||
| Ultimate Checking >$15,000 Requirements must be met to earn dividend. | |||
| Health Savings | |||
| Christmas Club Share Savings |
Metco Credit Union Certificates of Deposit (CDs) provide secure, fixed-rate savings options featuring competitive rates and quarterly dividend compounding. These investment vehicles offer flexible terms and low minimum deposit requirements to suit various financial goals.
| 6 Month CD | ||||
| 6 Month Youth CD (ages 13-17) | ||||
| Limited Time Special: 9 Month CD | ||||
| 12 Month CD | ||||
| 18 Month CD | ||||
| Limited Time Special: 21 Month CD | ||||
| 24 Month CD | ||||
| 30 Month CD | ||||
| 36 Month CD | ||||
| 36 Month Youth CD (ages 0-12) | ||||
| 48 Month CD | ||||
| 60 Month CD |
Metco Credit Union offers IRA share savings and IRA certificates of deposit (CDs) as secure, low-risk options designed for retirement planning. IRA certificates feature competitive, fixed rates with quarterly compounding, while both options allow for tailored, long-term savings strategies.
| IRA Share Savings ($100-$9,999.99) | ||||
| IRA Share Savings ($10,000.00-$29,999.99) | ||||
| IRA Share Savings ($30,000 & over) | ||||
| 24 Month IRA CD | ||||
| 24 Month IRA CD | ||||
| 24 Month IRA CD | ||||
| 36 Month IRA CD | ||||
| 36 Month IRA CD | ||||
| 36 Month IRA CD | ||||
| 48 Month IRA CD | ||||
| 48 Month IRA CD | ||||
| 48 Month IRA CD | ||||
| A penalty may be imposed for early withdrawal. | ||||
