At Metco Credit Union, saving is simple, smart, and personal. When you open a savings account with us in Cedar Rapids, Iowa, you’re not just a customer—you become a member-owner. That means you have a stake in the credit union and access to all the products and services we offer.
Our savings accounts are designed to help you build a safety net for unexpected expenses, achieve financial stability during emergencies, and reach long-term goals—whether that’s buying a home, funding education, or planning for retirement.
Investing a small amount in a share savings account buys you a share of Metco Credit Union and makes you a member-owner. These accounts are a simple and effective tool to cultivate disciplined saving habits, fostering a path towards financial well-being and peace of mind. This also enables you to take advantage of all the products and services Metco has to offer.
Stretch your dollars a little further … and set-aside cash to save or spend. It’s easy to spend money, but saving can seem a little harder. With Metco’s Debit Card Roundup Savings program, we make it simple for you to take small steps towards building your savings with very little effort.
Sign-up for Metco’s Debit Card Roundup Savings program and every purchase you make with your Metco debit card will round-up your purchases to the next whole dollar amount, making it easier to track your spending AND set aside a little cash to save or spend. That “spare change” can really add up!
How the Round-Up Program works:
Open your savings account in Cedar Rapids today and take advantage of Metco Credit Union’s member-owner benefits. Build financial security, grow your savings, and enjoy the peace of mind that comes from being part of a local, member-focused credit union.
We have a variety of savings and investment accounts.
Our savings accounts include special & club savings accounts, youth accounts, accounts for members who are age 55+, business accounts and more.
To grow your money faster or for the long-term, we offer money market accounts, certificates of deposit (CDs), IRAs and ESAs.
More information on all of these accounts can be found under the “Savings & Checking” tab of our website.
If you are already a member of Metco, you can call or stop in to open a special or club savings account, or you can open one instantly inside of Online Banking.
If you are not yet a member of Metco, you can establish a membership by opening a savings account with a $5 deposit. Simply schedule a virtual or in-person appointment, or submit an online membership application and we’ll be in touch with you shortly!
If you are already a member of Metco, you can call or stop in to open a checking account, or schedule an in-person or virtual appointment with us.
If you are not yet a member of Metco, you need to first establish a membership by opening a savings account with a $5 deposit. Simply schedule a virtual or in-person appointment, or submit an online membership application and we’ll be in touch with you shortly! At that time, we can also talk with you about opening a checking account.
If you are already a Metco member, we likely will not need any additional documentation.
If you are not yet a Metco member, the following documents will be required to join:
You can have your paycheck or other transfers deposited directly into your Metco accounts. You’ll need to provide Metco’s routing number, 273973100, and the full account number, which can be found in Online or Mobile banking, or on the bottom of your checks.
Ultimate Checking is a rewards checking account that offers a bonus rate on balances up to $15,000 once certain requirements are met. Learn more.
Courtesy Pay is a way for us to provide a higher level of service to our members by helping protect your account and reputation when an inadvertent overdraft occurs. Courtesy Pay may cover your insufficient funds checks, up to a $500 limit, for one low fee per covered overdraft transaction; saving you additional charges from the merchant collection companies, in addition to Metco’s insufficient fund fee. Get more details here.
Yes, we do! You can learn all about our business accounts here.
You bet we do! Metco Credit Union believes it’s vital to teach kids and young adults how to save and manage their finances, long before they have the opportunity to incur debt or are faced with large financial decisions as adults. On our Youth Accounts page, you will find specific recommendations based on the age of the member, however we’re always happy to talk with parents/guardians and their children to determine what services fit you best!
At Metco Credit Union, the member number encompasses all individual accounts and serves as the account number for the membership savings. The account number for checking is a combination of the member number and additional numbers to create an individual checking account number.
