Save Smart
Build a cushion. Grow your money. We keep your rates honest and your fees nonexistent.
Savings
Your foundation. Open a share savings account with as little as $5 and start building toward whatever life throws at you next.
- As low as $5 to open
- Federally insured by NCUA
- Competitive dividend rates
Certificates & IRAs
Lock in a higher rate. Our share certificates let you grow your savings at a guaranteed rate — and our IRAs help you plan for a comfortable retirement.
- Higher rates than regular savings
- Traditional & Roth IRAs available
- Flexible terms to fit your goals
Christmas Club
Stop putting gifts on credit. Set aside a little each month and we'll release your funds in October, just in time to shop without the stress.
- Automatic monthly transfers
- Funds released every October
- Zero holiday debt this year
Vacation Club
You've earned a break. Save gradually throughout the year and we'll make sure the money is ready when adventure calls.
- Set your own savings goal
- Automatic transfers make it easy
- Access funds when you're ready
Spend Freely
Checking and payment tools with zero nonsense, zero monthly fees, and all the convenience you actually need.
Checking
No monthly fees. No minimum balance headaches. Just a checking account that works as hard as you do.
- No monthly service fee
- Remote deposit capture
- Free online & mobile banking
- Overdraft protection available
VISA Debit Card
Accepted everywhere Visa is — which is pretty much everywhere. Tap, swipe, or click your way through the day.
- Instant access to your funds
- Contactless payments
- Fraud monitoring & protection
Bill Pay
Schedule, automate, and pay your bills from one place. Ditch the stamps and stop chasing due dates.
- One-time or recurring payments
- Pay any company or person
- Full payment history & tracking
Zelle
Send money to family, friends, or your babysitter in minutes. Fast, easy, and right inside your banking app.
- Transfers in minutes, not days
- No fees to send or receive
- Available in the Metro mobile app
Borrow Confidently
Loans made by local people who know this community — not a call center in another state.
Mortgage Loans
You built this community. Let us help you build something in it. Our mortgage loans are decided right here by people who know your name.
- Purchase & refinance options
- Local underwriting — faster answers
- Competitive fixed & adjustable rates
- First-time buyer friendly
Auto Loans
You drive to work. We'll make sure you keep more of what you earn getting there. New, used, or refinance — we've got you covered.
- New & used vehicles
- Refinancing available
- Quick approval process
- Flexible terms
Personal Loans
Life happens. When it does, you need cash fast without jumping through hoops. Our personal loans are straightforward — no collateral required.
- Unsecured — no collateral needed
- Use for anything: emergencies, repairs, debt consolidation
- Fast local decisions
Home Equity
Put your home's equity to work. Whether it's renovations, college, or a big purchase — your home can help fund your goals.
- Home equity loans & lines of credit
- Competitive low rates
- Interest may be tax deductible*
RV, Boat, Motorcycle Loans
The weekend is calling. Finance your next adventure — campers, boats, motorcycles, and more — with rates that won't kill the fun.
- New & used recreational vehicles
- Flexible repayment terms
- Fast approvals
Saved Secured Loans
Use your own savings as collateral to borrow at a lower rate and build credit at the same time. Smart borrowing, simply done.
- Borrow against your savings balance
- Low rates — savings stay on deposit
- Great for credit building
VISA Credit Card
A credit card you can actually trust. Low rates, no annual fee — issued by the same people who have been in your corner since 1953.
- Competitive low interest rate
- No annual fee
- Accepted worldwide
- Online account management
Plan for Tomorrow
Beyond banking — investment and financial planning services to help your money grow for the long haul.
Investment Services
Work with a financial professional who understands what working people need. From retirement planning to portfolio management, we'll help you build wealth that lasts.
- Retirement planning & IRAs
- Portfolio management
- Life insurance options
- Education savings plans
Tools & Resources
Everything else you need to bank smarter, faster, and without the headaches.
Online & Mobile Banking
Check balances, deposit checks, pay bills, and transfer money — 24/7, from wherever your shift ends.
Message Pay
Make loan payments with a text message. Simple, fast, and no login required.
Money Mastery
Free financial education tools and resources to help you budget, save, and get ahead.
Auto Benefits
Exclusive member discounts on car buying, rental, and roadside assistance through Love My Credit Union Rewards.