Metro Credit Union

Metro Credit Union is the largest state-chartered credit union in Massachusetts, with more than 220,000 members, and it is headquartered in Chelsea, where it began. In 1926, 35 members and clerks pooled $2,000 to serve their Chelsea neighbors, and the credit union has grown from there into a full-service institution with branches across Greater Boston. As a not-for-profit cooperative owned by its members, it follows the credit union motto of “people helping people.”

Metro offers checking with no minimum balance or monthly fee, savings accounts and CDs, mortgages, home equity loans, college financing and business banking. Members also get digital banking tools, a rewards program and a debit card and money app for kids and teens. The credit union supports its communities through volunteer work and donations to nonprofits, and it has partnered with Members Plus Credit Union to expand services for members.

What to Know

• Metro is celebrating its 100th anniversary.
• Banker & Tradesman readers named Metro the top credit union in its Best of 2025 awards, for a second straight year.
• Deposits are fully insured.
• The credit union belongs to the Chelsea, Greater Boston, Malden and North Shore chambers of commerce.