NCUA Insured
Member-Owned
2 charter
Established in 1926
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Chelsea, MA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1926
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Chelsea and serves members in the MA area. Currently serving 213,040 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
6.94%Used Auto Loan
7.44%Personal Loan
12.90%Credit Card APR
14.74%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).
Worcester, MA
Beverly, MA
Norfolk, MA
Methuen, MA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
2.9
179 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsAnne O
6 months ago
I have had a credit card for over a decade with this credit union. I can unequivocally say that they are the most incompetent entity that I have ever had to deal with. Literally ever. Serious incompetence over the course of many many many years. The situation is now that my Metro credit card was being charged by a website [Paramount Plus] but that website would not let me access the subscription or end the subscription. I tried calling Metro credit union and I GOT THEIR VOICEMAIL AT 10:30AM ON A BUSINESS DAY. When I call the 800 number on the card itself, I cannot get to a human. I get the repeat recording about my balance, etc. I am literally not able to talk to a human. Nor can I dispute any charges on the Metro website. I tried to shut the card off, which is an option on the website, but it kept taking charges [automatic charges] even though it wasn't supposed to. Now, I cancelled the card, on the website because I can't talk to a human. Now, it says on the website that my card was taking charges. Its literally KAFKA-ESQUE. The worst absolute worst bank or credit union or any entity that I have ever dealt with. STAY AWAY. FAR, FAR AWAY. == UPDATE: You see they have responded and given me an email address to contact, not a phone number. An email address. That says it all, doesn't it?
Michael Sigouin
3 months ago
Negative stars. The worst customer service and direct phone call service i have ever dealt with. Took me 4 days to get through to speak to someone and I'm trying to get a debit card increase and later trying to do money transfer for a closing on my house. Not a reliable on line banking nor phone service reply. Having to fly back to clo
Chris Rabbit
6 months ago
When you call for a spending limit increase for your debit card (for your money, that you have in your bank account), They run you through a ridiculous string of questions including forcing you to tell them what you're going to spend your own money on, and then trying to offer idiotic accounting advice and treating you like a toddler. just look at their responses to every complaint in these reviews- Same form response, No care, No individualized service. And of course they only offer you an email because otherwise you're going to be trying to navigate crappy AI assistants and poorly trained employees.
VINCENZA SPINAZZOLA
4 months ago
Connie Wong was outstanding. Knowledgeable, professional and friendly. Handled the multiple items with ease; made the visit pleasant and informative. Kudos to Metro CU for having such a great employee on staff. Thank you.
Mark
5 months ago
Been a customer for over 10+ years and I’m closing my account today. Horrible fraud detection services, will randomly pause your account and then make you call the fraud services (3rd party) like twice. Horrible customer service.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(877) 696-3876Website
Visit WebsiteMembers
213,040
Total Assets
$3.3B
Year Opened
1926
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile