Loan Products

Auto Loans Credit Card Mortgage Loans Home Equity Recreational Vehicle Loans Personal Loans Share Secured Loans Payment Protection Loan Rates & Terms

Auto Loans

woman in car holding car keys

An auto loan from Metro Medical puts you in the driver's seat at the dealership. While shopping for a new or used vehicle, you've already got plenty to think about: makes, models, optional equipment, colors, and so on. By getting pre-approved with MMCU, you can walk into the dealership knowing that you're ready to buy.

MMCU has loans available for both new and used vehicles, competitive interest rates, and the kind of efficient, personalized service that only your credit union can provide.

Stop by our Current Loan Promotions page to see if we are currently running any auto loan specials.


Reduced rate on Guaranteed Auto Protection (GAP) and Mechanical Breakdown Insurance (MBI) available!

*Standard coverage of collision and comprehensive insurance, along with liability insurance, must be purchased by the member and proof of purchase provided to the credit union.

VISA® Credit Cards

At Metro Medical Credit Union, we offer the VISA® Classic and VISA® Gold credit card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a Metro Medical Credit Union VISA® Card.

You'll enjoy the following benefits:

  • No annual fee

  • Unsecured fixed rates

  • 25-day grace period

  • No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)

  • Optional life and disability insurance available at low rates

Metro Medical VISA and VISA GOLD Credit Card Disclosure

  • Interest Rates and Interest Charges

    Annual Percentage Rate (APR) for Purchases 9.9%
    APR for Balance Transfers 9.9%
    APR for Cash Advances 9.9%
    How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each biling cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

  • Fees

    Annual Fee NONE
    Foreign Transaction Fee Up to 1.00% of each transaction in U.S. dollars
    Late Payment Fee 5.00% of the minimum payment due (maximum fee $10)
    Returned Payment Fee $25.00
    Over-Credit-Limit $0.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

The information about the cost of the card described above is accurate as of 06/2010. This information may have changed after that date. Contact us to find out what may have changed.

VISA® Balance Transfer

Simplify your wallet to simplify your life. No-fee balance transfers, no annual fee & 9.9% APR* fixed rate.

Transfer your high-interest credit card balances to a MMCU VISA® Credit Card and simplify your wallet! At just 9.9% APR* for the life of the balance, with NO ANNUAL FEE and NO BALANCE TRANSFER FEE, you could save hundreds of dollars in interest! This offer is good for both new and existing MMCU VISA® Credit Card Holders.

If you do not have a MMCU VISA® Credit Card, you can apply online today or fill out an application and return it to one of our branches in person or by fax (214) 879-9759.

If you already have a MMCU VISA® Credit Card you can fill out the Balance Transfer Form and return it to our Lending Department. While most balance transfers will be made sooner, please allow up to thirty (30) days for processing. During that time please continue to make all of your required payments until you confirm with your other financial institution that the balance transfer has been completed.

If you have any questions, please contact our Lending Department at (214) 630-0611 option 4.

*APR = Annual Percentage Rate. The APR is the yearly rate of interest that includes fees and costs paid to acquire the loan. Balance transfer amounts are subject to your available credit limit. Offer applies to current MMCU members with accounts in good standing. MMCU reserves the right to return any items on accounts if your account is either in default, you have exceeded your credit limit, or if the item you wish us to pay would cause the outstanding balance in your account to exceed your credit limit. Although most balance transfers will be made sooner, please allow up to thirty (30) days to complete request. Accordingly, you must continue to make all required payments to other accounts until you have confirmed that the transfer is complete. Balance Transfers will be posted as Cash Advance transactions at the standard Cash Advance rate per your credit card agreement, and accrue interest charges from the date posted. The credit union reserves the right to obtain additional information and/or identification to verify your request. Balance transfer transactions must be processed by credit union personnel or through the usage of the special convenience checks mailed to you upon the receipt of your MMCU VISA® Credit Card. Balance transfers may not be used to pay down or towards another MMCU loan or debt. Offer not transferrable. For more details, please review the VISA® Credit Card Agreement and Truth-In-Lending Disclosure. This is not an offer to extend consumer credit as defined by Section 222.6 of Regulation Z. Rates and terms are subject to change. Federally insured by NCUA.

Mortgage Loans

house

Metro Medical Credit Union has partnered with Member First Mortgage, LLC to offer mortgage products and services to our members.

We can help you settle into your dream home with an affordable loan and terms that work best for you.

Your first step toward a new home is with Metro Medical Credit Union!

Metro Medical Credit Union | NMLS ID # 804892

Member First Mortgage, LLC | NMLS ID # 1746263

Home Equity Loans

Turn your home ownership into a more rewarding experience with a home equity loan from Metro Medical Credit Union. Capitalize on the value you've built up in your property with cash for home improvements, educational expenses, or whatever purpose suits you. A home equity loan from Metro Medical Credit Union carries a competitive interest rate and the efficient, personalized service you're accustomed to receiving from your credit union.

Metro Medical Credit Union | NMLS ID # 804892

Recreational Vehicle Loans

Ready to add to your leisure-time fun with a boat, personal watercraft or motor home? Let Metro Medical Credit Union help you finance those dreams. We offer loans on new and used recreational vehicles. All our loans come with competitive interest rates and efficient, personalized service. When it's time to stop dreaming and hit the road or the water, come to Metro Medical Credit Union for your recreational vehicle financing needs!

Motorcycle Loans

Metro Medical Credit Union offers financing for new and used street-legal motorcycles. New motorcycle financing includes taxes, license and title transfer. A minimum down payment of 10% is required.

Used motorcycles will be financed for an amount determined by:

  1. Current NADA loan value;

  2. Wholesale value acquired by a telephone survey of motorcycle dealers; or

  3. 80% of sales price

Used motorcycles will be inspected by an employee of the credit union or a designated representative unless being purchased from a dealer. The loan may be denied based on the inspection.

The maximum length of time for repayment of a used motorcycle shall be as follows:

  1. 36 months for loans under $9,000.00; or

  2. 48 months for loans under $15,000.00; or

  3. 60 months for loans $15,000.00 and over

Standard coverage of collision and comprehensive insurance, along with liability insurance, must be purchased by the member and proof of purchase provided to the credit union.

Motorcycles will be financed at the current auto rate plus 1% for 36 and 48 months; 60-month terms will be financed at the current auto rate plus 2%. 

Pleasure Craft Loans

Financing is also available on new and used boats, recreational vehicles, travel trailers, jet skis, ATVs, titled trailers, and horse trailers.

Personal Loans

A personal loan from Metro Medical Credit Union can help with your loan needs, whatever they may be. You can use a personal loan to consolidate debt, finance a vacation or cover holiday expenses. These loans can also help you pay for medical emergencies and other unexpected events.

Personal loans from Metro Medical Credit Union comes with low interest rates, fast processing and convenient repayment terms, as well as efficient, personalized service.

Stop by our Current Loan Promotions page to see if we are running any personal loan specials right now.

Please contact us for more information.

Share Secured Loans

With a Metro Medical Credit Union share secured loan, your deposit in a MMCU share savings account or savings certificate serves as collateral to secure your loan. Share secured loans carry our most attractive interest rates, and you'll even continue to earn dividends on your savings! We also offer Secured CD Loans.

Contact us for more information.

Payment Protection

Metro Medical Credit Union offers its members Payment Protection credit life and credit disability insurance through CUNA Mutual Group. Credit life insurance pays the outstanding balance on your loan if you die before the loan is paid off. Credit disability insurance provides funds to help you make your loan payments if you are unable to work because of an illness or accident.

Most members are eligible to apply for joint credit life and single credit disability insurance. Coverage is available for single or joint borrowers, at affordable rates, and premiums are automatically added to your loan payments.

Protect yourself and your family from the burden that could result if you die or become disabled. Payment Protection offers the peace of mind that comes from knowing your financial obligations will be met. Contact us for details on Payment Protection credit life and credit disability insurance.