Offers & Discounts

Home Equity Loan Special

Save on the first year of your loan!
Special Introductory rate as low as 4.99%APR*

Take advantage of your home’s equity with a limited-time HELOC offer designed to give you flexibility and savings. Enjoy a low introductory rate for the first year of your loan—perfect for home improvements, debt consolidation, or major expenses.

Plus, low processing fees with a fee reimbursement option available.

Start your line of credit with a reduced processing fee of only $99. The $99 processing fee will be refunded when you take a minimum advance of $20,000 at the time of disbursement.

METRO always gives you flexible access to your home equity funds!

Borrow what you need, when you need it, with a revolving line of credit backed by your home’s equity. Transfer funds into your Metro checking account online!

👉 Apply online today or contact us to learn more.

Apply Online

Why Finance with Us?

Easy application process
Competitive rates
Friendly and knowledgeable staff
Local decision making and personalized support!

Contact Us: 847-670-0456, ext. 2

Important Terms & Disclosures

*Home Equity Line-of-Credit Loan special available 4/1/26–6/30/26 to Metro Credit Union members. Membership required at time of disbursement. The listed rate is for excellent credit, your rate may vary based on your credit score. The final rate is based on credit score and Loan-to-Value financing. Savings account is required for credit union membership.

Introductory Rate: Introductory rate as low as 4.99%APR for "A" credit with no first mortgage. Loan rate recalculates to current published rate plus an added margin on July 1, 2027. The Home Equity Line-of-Credit annual percentage rate is based on Prime Rates plus an added margin. The rate is subject to change January 1st and July 1st each year. The prime rate is currently 6.75% as published in the Wall Street Journal as of 12/11/25.

Home Equity Line-of-Credit Additional Terms: Up to 80% Loan-to-Value financing based on qualification. Property values are based on the lesser of the current appraised value or a Freddie Mac Home Value Explorer (HVE®) with a condition report. Independent appraisals not accepted. Minimum monthly payment is $100. Loan applications subject to METRO’s lending guidelines and rates are subject to change. Consult your tax advisor regarding tax-deductible interest.

Processing Fees & Fee Reimbursement: The initial processing fee is reduced to $99. Processing fee reimbursement available for loan disbursements of $20,000 or more. Additional terms and conditions may apply. Cannot be combined with other promotions.

APR = Annual Percentage Rate.

Skip-A-Payment

Skip-A-Payment Program will return...

How Does it Work? How do I Qualify? How Can I Apply? When is it Available?

How Does it Work?

Put money back in your pocket with METRO’s Skip-A-Payment Program! Skip-A-Pay gives you the option to defer a monthly payment on any eligible METRO loan. Skip one loan payment without impacting your credit rating! We advance your payment due date and your maturity date (for example, on a 36-month loan, if one payment is skipped, you make 36 payments over 37 months).

*Eligible loans include: Auto, RV, Signature, & Home Equity Line-of-Credit Loans

How do I Qualify?

How Can I Apply?

When is it Available?

Skip-A-Payment Application

*Eligible loans include: Auto, RV, Signature, & Home Equity Line-of-Credit Loans

Important Terms & Disclosures

*This program is not available during the first six (6) months of the loan agreement. Eligible loans must be in good standing. Eligible loans include: Auto, RV, Signature, & Home Equity Line-of-Credit Loans. Interest will continue to accrue from the date of your last payment. Skip-a-payment request is eligible to skip ONE month only and will not impact credit rating. January payroll requests must be received in office no later than 1/15/2026 and February payroll requests must be received in office by 2/14/26. Maximum of four (4) skip-a-pays over the life of the loan is allowed.

METRO reserves the right to deny this benefit to anyone who has not made scheduled payments on time. Two Skip-A-Payment requests are allowed in one calendar year (three months in between Skip-A-Payment requests) with a maximum of 4 (four) Skip-A-Payments for the life of loan. There is a $40.00 processing fee for each Skip-A-Payment request. Each loan requires a separate request form. You may skip one month’s full payment on the eligible loan types. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in paying a higher total finance charge and possibly a greater total number of payments. In all other respects, the provisions of your original agreement remain in full force and effect. Payments resume the month following the deferral and will include the finance charges from the skipped month. Monthly Premiums for Credit Life/ Disability will still be added to the loan balance on the skipped month.

Financial Tips for Life’s Busy Years

No matter where you are on your financial journey, planning ahead can make a big difference. Here we explore budgeting and financial planning strategies for adults in their 40s and 50s—a time when many people are balancing career growth, family responsibilities, debt repayment, college expenses, and retirement planning all at once.

More Details about Financial Tips for Life’s Busy Years