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Seattle Metropolitan Credit Union Rates & Review June 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated: June 11, 2026
Seattle Metropolitan Credit Union's Special 11 Month New Money CD rates are at 3.70%, IRA Jumbo CDs 2 year rates are at 3.60%, IRA Jumbo CDs 3 year rates are at 3.60%, IRA Jumbo CDs 4 year rates are at 3.60%, IRA Jumbo CDs 5 year rates are at 3.60%. Seattle Metropolitan Credit Union's savings rates are at 0.00%. Seattle Metropolitan Credit Union's money market rates are at 0.10%. Seattle Metropolitan Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Seattle Metropolitan Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.87%. Rates were last updated on 06/11/2026.
Seattle Metropolitan Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Seattle Metropolitan Credit Union? Share your experience about Seattle Metropolitan Credit Union by leaving a review below, or read customer reviews before you decide to use Seattle Metropolitan Credit Union.
Overall Health & Safety Grade
?
A+
Exceptional HealthScore: 98/100
Overall Health & Safety Grade
Seattle Metropolitan Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Seattle Metropolitan Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.87%
ExcellentLower than avg
Seattle Metropolitan Credit Union Texas Ratio
Seattle Metropolitan Credit Union's Texas Ratio is 4.87%, which is considered excellent and is lower than the national average of 6.13%.
Seattle Metropolitan Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Seattle Metropolitan Credit Union Corporate Office
DetailsNew Money** is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria is not met when a certificate is opened. All rates are subject to change without notice. A penalty may be imposed for early withdrawal, which could reduce earnings. See Certificate Disclosure for complete details.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 2 year
3.54%
3.60%
2 year
Min Deposit$50,000
DetailsBump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 3 year
3.54%
3.60%
3 year
Min Deposit$50,000
DetailsBump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 4 year
3.54%
3.60%
4 year
Min Deposit$50,000
DetailsBump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 5 year
3.54%
3.60%
5 year
Min Deposit$50,000
DetailsBump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Jumbo Certificates 1 year
3.50%
3.56%
1 year
Min Deposit$50,000
DetailsBump Option: Not Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Certificates 2 year
3.45%
3.51%
2 year
Min Deposit$1,000
DetailsBump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Certificates 3 year
3.45%
3.51%
3 year
Min Deposit$1,000
DetailsBump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Certificates 4 year
3.45%
3.51%
4 year
Min Deposit$1,000
DetailsBump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Certificates 5 year
3.45%
3.51%
5 year
Min Deposit$1,000
DetailsBump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit 2 year
3.44%
3.50%
2 year
Min Deposit$50,000
DetailsRate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit 3 year
3.44%
3.50%
3 year
Min Deposit$50,000
DetailsRate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit 4 year
3.44%
3.50%
4 year
Min Deposit$50,000
DetailsRate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Jumbo Certificate of Deposit 5 year
3.44%
3.50%
5 year
Min Deposit$50,000
DetailsRate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible
DetailsBlended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
High Yield Savings
3.25%
3.30%
Min Deposit$1,000
Min Balance$100,000
DetailsAPY - Annual Percentage Yield. New Money is defined as money that has not been on deposit at the credit union in the past 30 days when the account is opened. The Credit Union may adjust a deposit to the Membership Savings account if a new money requirement is not met within 30 days of account opening.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
High Yield Savings
3.00%
3.04%
Min Deposit$1,000
Min Balance$25,000
DetailsAPY - Annual Percentage Yield. New Money is defined as money that has not been on deposit at the credit union in the past 30 days when the account is opened. The Credit Union may adjust a deposit to the Membership Savings account if a new money requirement is not met within 30 days of account opening.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
1.15%
1.16%
Min Balance$150,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
1.05%
1.06%
Min Balance$100,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
0.85%
0.85%
Min Balance$50,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
0.65%
0.65%
Min Balance$25,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
0.45%
0.45%
Min Balance$1,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA Savings
-
0.20%
Min Deposit$5
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Membership Savings
0.10%
0.10%
Min Deposit$5
Min Balance$0
DetailsInterest Compounded & Credited: Monthly; Limitations: Transfer and withdrawal limitations apply.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
0.10%
0.10%
Min Balance$0
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Subsidiary Savings
0.10%
0.10%
Min Balance$0
DetailsInterest Compounded & Credited: Monthly; Limitations: Transfer and withdrawal limitations apply.
DetailsBlended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
High Yield Savings
-
0.00%
Min Deposit$1,000
Min Balance$0
DetailsAPY - Annual Percentage Yield. New Money is defined as money that has not been on deposit at the credit union in the past 30 days when the account is opened. The Credit Union may adjust a deposit to the Membership Savings account if a new money requirement is not met within 30 days of account opening.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Seattle Metropolitan Credit Union Money Market Rates
Product
Rate
APY
View More
Business Money Market Savings Account
1.15%
1.16%
Min Balance$150,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Money Market Account
1.15%
1.16%
Min Balance$150,000
DetailsEffective as of June 10th, 2026. Account limitations: Account transfers and withdrawal limitations apply.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
1.05%
1.06%
Min Balance$100,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Money Market Account
1.05%
1.06%
Min Balance$100,000
DetailsEffective as of June 10th, 2026. Account limitations: Account transfers and withdrawal limitations apply.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
0.85%
0.85%
Min Balance$50,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Money Market Account
0.85%
0.85%
Min Balance$50,000
DetailsEffective as of June 10th, 2026. Account limitations: Account transfers and withdrawal limitations apply.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
0.65%
0.65%
Min Balance$25,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Money Market Account
0.65%
0.65%
Min Balance$25,000
DetailsEffective as of June 10th, 2026. Account limitations: Account transfers and withdrawal limitations apply.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
0.45%
0.45%
Min Balance$1,000
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Money Market Account
0.45%
0.45%
Min Balance$1,000
DetailsEffective as of June 10th, 2026. Account limitations: Account transfers and withdrawal limitations apply.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings Account
0.10%
0.10%
Min Balance$0
DetailsInterest Compounded & Credited: Monthly
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Money Market Account
0.10%
0.10%
Min Balance$0
DetailsEffective as of June 10th, 2026. Account limitations: Account transfers and withdrawal limitations apply.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Seattle Metropolitan Credit Union Checking Rates
Product
Rate
APY
View More
Premium Commercial Checking Account
2.00%
2.02%
Min Balance$100,000
DetailsAccount available when qualifications for $3 million in lending has been established.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Premium Commercial Checking Account
1.75%
1.76%
Min Balance$50,000
DetailsAccount available when qualifications for $3 million in lending has been established.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Commercial Checking Account
1.50%
1.51%
Min Balance$100,000
DetailsFees could reduce earnings. $25,000 minimum balance to avoid a monthly $30 service fees.
Seattle Metropolitan Credit Union Personal Loan Rates
Product
Rate
APR
View More
Personal Loans (Unsecured)
-
10.99%
DetailsAs Low As; Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206.398.5500 or 800.334.2489 for further details.
Last Updated06/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Seattle Metropolitan Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Seattle Metropolitan Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Seattle Metropolitan Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameSeattle Metropolitan Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
117,165,543
Total Uninsured Shares and Deposits > $250K (F+J)
117,165,543
Total Insured Shares and Deposits > $250K (item 17 less item K)
762,553,670
Total Interest Expense (Sum of items 6 8)
11,981,479
Share Certificates
4,533
Number of Accounts for Share Drafts
34,381
IRA KEOGH Accounts
1,485
Number of Accounts for Regular Shares
55,792
Money Market Shares
3,674
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
74,518,514
Total Liabilities
1,010,997,080
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Seattle Metropolitan Credit Union
Frequently Asked Questions About Seattle Metropolitan Credit Union
How many branches does Seattle Metropolitan Credit Union operate?
Seattle Metropolitan Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Seattle Metropolitan Credit Union?
Yes, to access services at Seattle Metropolitan Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Seattle Metropolitan Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Seattle Metropolitan Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Seattle Metropolitan Credit Union offer online and mobile banking?
Most modern institutions like Seattle Metropolitan Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.seattlecu.com.
Current Seattle Metropolitan Credit Union Rates
12-Month CD3.25%
24-Month CD3.30%
60-Month CD3.30%
Savings0.00%
MMA0.10%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
