Rates as of 04/09/2026
Members with qualifying credit and member relationships may have rates as low as…
| Loan Type | Rate | APR* | Term in months |
|---|---|---|---|
| 2024-2026 Vehicles | |||
| With less than 20,000 miles | 4.99% | 4.99% | 36 |
| With less than 20,000 miles | 4.99% | 4.99% | 48 |
| With less than 20,000 miles | 4.99% | 4.99% | 60 |
| With less than 20,000 miles | 5.44% | 5.44% | 72 |
| 2022-2023 Vehicles | |||
| With over 20,000 miles | 5.24% | 5.24% | 36 |
| With over 20,000 miles | 5.24% | 5.24% | 48 |
| With over 20,000 miles | 5.24% | 5.24% | 60 |
| With over 20,000 miles | 5.49% | 5.49% | 66 |
| 2019-2021 Vehicles | |||
| 5.99% | 5.99% | 36 | |
| 5.99% | 5.99% | 48 | |
| 2017-2018 Vehicles | |||
| 6.34% | 6.34% | 42 | |
| 6.59% | 6.59% | 48 | |
| 2016 & Older Vehicles | |||
| 8.49% | 8.49% | 36 | |
| 8.74% | 8.74% | 42 | |
| Motor Homes, Boats & Campers For terms of 60 months or less, use our “Vehicle” rates above. |
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| 2022-2026 over $20,000 & 20% down (3-yr balloon) | 8.49% | 8.49% | 120 |
| 2022-2026 over $20,000 & 10% down | 7.49% | 7.49% | 84 |
| 2016-2021 over $20,000 & 20% down (3-yr balloon) | 9.24% | 9.24% | 120 |
| 2016-2021 over $20,000 & 10% down | 8.24% | 8.24% | 84 |
| Other Titled & Non-Title Secured Loans (ATVs, snowmobiles, wave runners, lawn tractors, etc.) |
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| 2024-2026 | 6.74% | 6.74% | 48 |
| 2017-2023 | 7.09% | 7.09% | 36 |
| 2016 & Older | 8.99% | 8.99% | 24 |
| Unsecured Loans | |||
| 6 – 24 months | 9.99% | 9.99% | 24 |
| 25 – 48 months | 11.99% | 11.99% | 48 |
| Home Improvement $5,000 Limit | |||
| 8.24% | 8.24% | 60 | |
| 7-Year Mortgage Loan | |||
| Fixed Rate | 7.24% | 7.24% | 84 |
| First Mortgage Loans | |||
| Please call us at 319.398.5007 for current rates. | |||
| Home Equity Closed-End Fixed Rate | |||
| 90% TAV**/Appraised (62-month balloon) | 6.99% | 6.99% | 62 |
| 90% TAV**/Appraised Fixed Term | 6.74% | 6.74% | 60 |
| 100% TAV**/Appraised (62-month balloon) | 7.99% | 7.99% | 62 |
| 100% TAV**/Appraised Fixed Term | 7.74% | 7.74% | 60 |
| Home Equity Open-End Line of Credit | |||
| 90% TAV**/Appraised -0.50% (5% Floor) | 6.25% | 6.25% | n/a |
| 100% TAV**/Appraised (5% Floor) | 6.75% | 6.75% | n/a |
| *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.
| Savings | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Share Savings ($0-$99.99) | $5.00 | 0.00% | 0.00% |
| Share Savings ($100.00+) | $5.00 | 0.10% | 0.10% |
| Youth Share Savings ($5.00+) – ages 0-17 | $5.00 | 0.10% | 0.10% |
| Mega Saver Money Market $2,500 to $7,499.99 | $2,500 | 0.80% | 0.80% |
| Mega Saver Money Market $7,500 to $14,999.99 | $2,500 | 1.05% | 1.05% |
| Mega Saver Money Market $15,000 to $49,999.99 | $2,500 | 1.25% | 1.26% |
| Mega Saver Money Market $50,000 and over | $2,500 | 2.05% | 2.07% |
| Share Draft (Checking) | $0.00 | 0.00% | 0.00% |
| Ultimate Checking up to $15,000 Requirements must be met to earn dividend. |
$0.00 | 5.00% | 5.09% |
| Ultimate Checking >$15,000 Requirements must be met to earn dividend. |
$0.00 | 0.10% | 0.10% |
| Health Savings | $250 | 0.10% | 0.10% |
| Christmas Club Share Savings | $0.00 | 0.10% | 0.10% |
| *APY = Annual Percentage Yield. | |||
| Certificates of Deposit | Minimum Deposit | Dividend Rate | APY* | Term in months | ||||
|---|---|---|---|---|---|---|---|---|
| 6 Month CD | $1,000.00 | 0.50% | 0.50% | 6 | ||||
| 6 Month Youth CD (ages 13-17) | $500.00 | 0.50% | 0.50% | 6 | ||||
| Limited time special: 9 Month CD | $1,000.00 | 3.60% | 3.65% | 9 | ||||
| 12 Month CD | $1,000.00 | 0.60% | 0.60% | 12 | ||||
| 18 Month CD | $1,000.00 | 0.70% | 0.70% | 18 | ||||
| Limited time special: 21 Month CD | $1,000.00 | 3.70% | 3.75% | 21 | ||||
| 24 Month CD | $1,000.00 | 0.80% | 0.80% | 24 | ||||
| 30 Month CD | $1,000.00 | 0.85% | 0.85% | 30 | ||||
| 36 Month CD | $1,000.00 | 0.90% | 0.90% | 36 | ||||
| 36 Month Youth CD (ages 0-12) | $500.00 | 0.90% | 0.90% | 36 | ||||
| 48 Month CD | $1,000.00 | 0.95% | 0.95% | 48 | ||||
| 60 Month CD | $1,000.00 | 1.15% | 1.15% | 60 |
| IRA Share Savings & IRA Certificates of Deposit |
Minimum Deposit | Dividend Rate | APY* | Term in months |
|---|---|---|---|---|
| IRA Share Savings $100 to $9,999.99 | $500.00 | 0.65% | 0.65% | n/a |
| IRA Share Savings $10,000.00 to $29,999.99 | $500.00 | 0.90% | 0.90% | n/a |
| IRA Share Savings $30,000 and over | $500.00 | 1.15% | 1.15% | n/a |
| 24 Month IRA CD | $1,000.00 | 0.80% | 0.80% | 24 |
| 24 Month IRA CD | $10,000.00 | 0.85% | 0.85% | 24 |
| 24 Month IRA CD | $30,000.00 | 0.95% | 0.95% | 24 |
| 36 Month IRA CD | $1,000.00 | 0.90% | 0.90% | 36 |
| 36 Month IRA CD | $10,000.00 | 0.95% | 0.95% | 36 |
| 36 Month IRA CD | $30,000.00 | 1.05% | 1.05% | 36 |
| 48 Month IRA CD | $1,000.00 | 0.95% | 0.95% | 48 |
| 48 Month IRA CD | $10,000.00 | 1.00% | 1.00% | 48 |
| 48 Month IRA CD | $30,000.00 | 1.10% | 1.10% | 48 |
| *APY = Annual Percentage Yield | A penalty may be imposed for early withdrawal | ||||
