What are the current interest rates at Seattle Metropolitan Credit Union?

Current rates for Seattle Metropolitan Credit Union include: 12-Month CD: 3.90%, 24-Month CD: 4.10%, 60-Month CD: 3.30%, Savings: 4.00%, MMA: 1.16%

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Seattle Metropolitan Credit Union

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Seattle Metropolitan Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Seattle Metropolitan Credit Union's top rates as of October 14, 2026 are 4.46% APY on its IRA Jumbo CDs - 2 year CD, 4.00% APY on savings, 1.16% APY on money market accounts, 2.02% APY on checking, personal loans from 10.99% APR, and credit cards from 10.49% APR, according to rates verified by MonitorBankRates. Other Seattle Metropolitan Credit Union CD rates include 11 Month New Money CD at 4.35%, 11-Month CD Special at 4.35%, and 2 Year Business Jumbo CD of Deposit at 4.35%. 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 4.30%. Rates last updated and verified on 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Seattle Metropolitan Credit Union
Corporate Office

1910 1st Ave S
Seattle, WA 98134-1406

https://www.seattlecu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Seattle Metropolitan Credit Union CD Rates

Product	Rate	APY	Term
IRA Jumbo Certificates - 2 year	4.36%	4.46%	2 year
Min Deposit $50,000 Details Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80% Oct 14, 20264.46%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
11 Month New Money CD	-	4.35%	11 months
Min Deposit $1,000 Details Steady Growth Starts Here promotional CD; New money required (money not on deposit with the credit union in the past 30 days); $1,000 minimum deposit to open; 4.35% APY effective as of 10/09/2026; limited-time offer; business accounts not eligible Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
11-Month CD Special	-	4.35%	11-month
Min Deposit $1,000 Details Limited-time offer; New money required (money not previously on deposit with the credit union in the past 30 days); Business accounts not eligible; 4.35% APY effective as of 10/09/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
2 Year Jumbo Certificates of Deposit	4.26%	4.35%	2 year
Min Deposit $50,000 Details Bump Option: Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70% Oct 14, 20264.35%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Special 11 Month New Money CD	4.26%	4.35%	11 Months
Min Deposit $1,000 Details New money CD: money not on deposit with the credit union in the past 30 days at opening; Bump Option: n/a Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 10, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Certificates - 2 year	4.22%	4.31%	2 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 4.31% ▲ 0.65 pts · high 4.31% / low 3.66% Oct 14, 20264.31%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Jumbo Certificates - 1 year	4.17%	4.26%	1 year
Min Deposit $50,000 Details Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.26% ▲ 0.46 pts · high 4.26% / low 3.80% Oct 14, 20264.26%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year Jumbo Certificates of Deposit	4.07%	4.15%	1 year
Min Deposit $50,000 Details Bump Option: Not Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70% Oct 14, 20264.15%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Certificates - 1 year	4.03%	4.11%	1 year
Min Deposit $1,000 Details Bump Option: Not Eligible; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 4.11% ▲ 0.45 pts · high 4.11% / low 3.66% Oct 14, 20264.11%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
2 Year Certificate	4.02%	4.10%	2 year
Min Deposit $1,000 Details Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Jumbo Certificates - 6 month	3.97%	4.05%	6 month
Min Deposit $50,000 Details Bump Option: Not Eligible; $50,000 minimum deposit to open an IRA Jumbo CD Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65% Oct 14, 20264.05%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month Jumbo Certificates of Deposit	3.92%	4.00%	6 month
Min Deposit $50,000 Details Bump Option: Not Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 14, 20264.00%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year Certificate	3.83%	3.90%	1 year
Min Deposit $1,000 Details Bump Option: Not Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Certificates - 6 month	3.83%	3.90%	6 month
Min Deposit $1,000 Details Bump Option: Not Eligible; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50% Oct 14, 20263.90%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month Certificate	3.73%	3.80%	6 month
Min Deposit $1,000 Details Bump Option: Not Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Jumbo Certificates - 3 year	3.54%	3.60%	3 year
Min Deposit $50,000 Details Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Jumbo Certificates - 4 year	3.54%	3.60%	4 year
Min Deposit $50,000 Details Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Jumbo Certificates - 5 year	3.54%	3.60%	5 year
Min Deposit $50,000 Details Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Certificates - 3 year	3.45%	3.51%	3 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Certificates - 4 year	3.45%	3.51%	4 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Certificates - 5 year	3.45%	3.51%	5 year
Min Deposit $1,000 Details Bump Option: Eligible; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year Jumbo Certificates of Deposit	3.44%	3.50%	3 year
Min Deposit $50,000 Details Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year Jumbo Certificates of Deposit	3.44%	3.50%	4 year
Min Deposit $50,000 Details Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year Jumbo Certificates of Deposit	3.44%	3.50%	5 year
Min Deposit $50,000 Details Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year Certificate	3.25%	3.30%	3 year
Min Deposit $1,000 Details Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year Certificate	3.25%	3.30%	4 year
Min Deposit $1,000 Details Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year Certificate	3.25%	3.30%	5 year
Min Deposit $1,000 Details Bump Option: Eligible; $1,000 minimum deposit to open a CD; Early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Business CD Rates

Product	Rate	APY	Term
2 Year Business Jumbo Certificate of Deposit	4.26%	4.35%	2 year
Min Deposit $50,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70% Oct 14, 20264.35%▲ from 3.70% Sep 22, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year Business Jumbo Certificate of Deposit	4.07%	4.15%	1 year
Min Deposit $50,000 Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70% Oct 14, 20264.15%▲ from 3.70% Sep 22, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
2 Year Business Certificate of Deposit	4.02%	4.10%	2 year
Min Deposit $1,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45% Oct 10, 20264.10%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month Business Jumbo Certificate of Deposit	3.92%	4.00%	6 month
Min Deposit $50,000 Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 14, 20264.00%▲ from 3.60% Sep 22, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
1 Year Business Certificate of Deposit	3.83%	3.90%	1 year
Min Deposit $1,000 Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45% Oct 10, 20263.90%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
6 Month Business Certificate of Deposit	3.73%	3.80%	6 month
Min Deposit $1,000 Details Rate Type: Fixed; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Not Eligible Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40% Oct 10, 20263.80%▲ from 3.40% Sep 22, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year Business Jumbo Certificate of Deposit	3.44%	3.50%	3 year
Min Deposit $50,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year Business Jumbo Certificate of Deposit	3.44%	3.50%	4 year
Min Deposit $50,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year Business Jumbo Certificate of Deposit	3.44%	3.50%	5 year
Min Deposit $50,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
3 Year Business Certificate of Deposit	3.25%	3.30%	3 year
Min Deposit $1,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
4 Year Business Certificate of Deposit	3.25%	3.30%	4 year
Min Deposit $1,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
5 Year Business Certificate of Deposit	3.25%	3.30%	5 year
Min Deposit $1,000 Details Rate Type: Variable - Member has discretion; Interest Compounded: Daily; Interest Credited: Monthly; Bump Option: Eligible Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Savings Rates

Product	Rate	APY
Youth Savings	-	4.00%
Min Balance $0 Details Published APY range: 4.00% - 4.07%. Balance: $0 - $499.99; Membership eligibility required; Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
IRA Savings	-	0.20%
Min Deposit $5 Details Published APY range: 0.20% - 0.20%. Interest compounded and credited quarterly; account transfer and withdrawal limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Membership Savings	0.10%	0.10%
Min Deposit $5 Details Effective as of October 13th, 2026; Interest compounded quarterly; Interest credited quarterly; Balance to avoid service fee: Not applicable; Balance to earn stated APY: Not applicable; Transfer and withdrawal limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Subsidiary Savings	0.10%	0.10%
Details Interest compounded: Quarterly; Interest credited: Quarterly; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Youth Savings	-	0.10%
Min Balance $500 Details Balance: $500 or greater; Membership eligibility required; Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings; APY range: 0.10% - 4.07% to 0.30% Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings Account	1.15%	1.16%
Min Balance $150,000 Details Balance: $150,000.00 or greater; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	1.05%	1.06%
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.45%	0.45%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Membership Savings	0.10%	0.10%
Min Deposit $5 Details Effective as of October 13th, 2026; Interest compounded & credited: Monthly; Balance to avoid fees: n/a; Limitations: Transfer and withdrawal limitations apply. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 - $999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Subsidiary Savings	0.10%	0.10%
Details Effective as of October 13th, 2026; Interest compounded & credited: Monthly; Balance to avoid fees: n/a; Limitations: Transfer and withdrawal limitations apply. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.15%	1.16%
Min Deposit $0 Min Balance $150,000 Details Balance: $150,000 or greater; Interest Compounded: Monthly; Interest Credited: Monthly; Effective as of October 13th, 2026; Account transfer and withdrawal limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Money Market Account	1.05%	1.06%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 - $149,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Effective as of October 13th, 2026; Account transfer and withdrawal limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Money Market Account	0.85%	0.85%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Effective as of October 13th, 2026; Account transfer and withdrawal limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Money Market Account	0.65%	0.65%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Effective as of October 13th, 2026; Account transfer and withdrawal limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Money Market Account	0.45%	0.45%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000 - $24,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Effective as of October 13th, 2026; Account transfer and withdrawal limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings Account	1.15%	1.16%
Min Balance $150,000 Details Balance: $150,000.00 or greater; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	1.05%	1.06%
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.45%	0.45%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Business Money Market Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 - $999.99; Interest compounded & credited monthly; Account limitations apply Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Checking Rates

Product	Rate	APY
Youth Checking	-	0.05%
Min Balance $0 Details Balance: $0.00 - $500.00; Account limited to those under 18 years of age Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Youth Checking	-	0.05%
Min Balance $500 Details Balance: $500.01 and over; Account limited to those under 18 years of age Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Business Checking Rates

Product	Rate	APY
Premium Commercial Checking Account	2.00%	2.02%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	2.00%	2.02%
Min Balance $250,000 Details Balance: $250,000.00 or greater; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	1.75%	1.76%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	1.50%	1.51%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Interest compounded and credited monthly; $25,000 minimum balance to avoid monthly $30 service fee Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	1.50%	1.51%
Min Balance $250,000 Details Balance: $250,000.00 or greater; Interest compounded and credited monthly; $25,000 minimum balance to avoid monthly $30 service fee Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	1.50%	1.51%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	1.25%	1.26%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Interest compounded and credited monthly; $25,000 minimum balance to avoid monthly $30 service fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	1.25%	1.26%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	1.00%	1.01%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest compounded and credited monthly; $25,000 minimum balance to avoid monthly $30 service fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Interest compounded and credited monthly; $25,000 minimum balance to avoid monthly $30 service fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Premium Commercial Checking Account	0.55%	0.55%
Min Balance $0 Details Balance: $0.00 - $9,999.99; Interest Compounded: Monthly; Interest Credited: Monthly; Account available when qualifications for $3 million in lending has been established Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Commercial Checking Account	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99; Interest compounded and credited monthly; $25,000 minimum balance to avoid monthly $30 service fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed	-	-	7.24%	5 years
Details As Low As; LTV: up to 70%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	7.25%
Details As Low As; Loan-to-Value up to 80%; Equal to Prime +.50%; owner occupied and 2nd homes; effective October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	7.74%	5 years
Details As Low As; LTV: up to 80%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 7.74% ▼ 0.25 pts · high 7.99% / low 7.74% Sep 22, 20267.74%▼ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	7.74%	10 years
Details As Low As; LTV: up to 70%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 7.74% ▼ 0.75 pts · high 8.49% / low 7.74% Sep 22, 20267.74%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	7.99%	5 years
Details As Low As; LTV: up to 90%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.24%	10 years
Details As Low As; LTV: up to 80%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.24% ▼ 0.25 pts · high 8.49% / low 8.24% Sep 22, 20268.24%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.24%	15 years
Details As Low As; LTV: up to 70%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 8.24% ▼ 0.75 pts · high 8.99% / low 8.24% Sep 22, 20268.24%▼ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.49%	10 years
Details As Low As; LTV: up to 90%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.74%	15 years
Details As Low As; LTV: up to 80%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 8.74% ▼ 0.25 pts · high 8.99% / low 8.74% Sep 22, 20268.74%▼ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.74%	20 years
Details As Low As; LTV: up to 70%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 9.24% → 8.74% ▼ 0.50 pts · high 9.24% / low 8.74% Sep 22, 20268.74%▼ from 9.24% Sep 14, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	8.99%	15 years
Details As Low As; LTV: up to 90%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	9.24%	20 years
Details As Low As; LTV: up to 80%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Line of Credit (HELOC)	-	-	9.25%
Details As Low As; Loan-to-Value up to 100%; Equal to Prime + 2.50%; owner occupied and 2nd homes; effective October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Investment or Rental Property Home Equity Line of Credit (HELOC)	-	-	9.25%
Details As Low As; LTV up to 75%; Equal to Prime +2.50%; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	9.49%	5 years
Details As Low As; LTV: up to 100%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 9.49% ▲ 1.50 pts · high 9.49% / low 7.99% Sep 22, 20269.49%▲ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	9.49%	20 years
Details As Low As; LTV: up to 90%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 9.24% → 9.49% ▲ 0.25 pts · high 9.49% / low 9.24% Sep 22, 20269.49%▲ from 9.24% Sep 14, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	9.99%	10 years
Details As Low As; LTV: up to 100%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	10.49%	15 years
Details As Low As; LTV: up to 100%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Home Equity Fixed	-	-	10.99%	20 years
Details As Low As; LTV: up to 100%; Fixed Rate Owner Occupied/Second Home loans; Effective as of October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle Loans	-	-	5.74%	36 months
Details As Low As; Maximum Loan Amount: $150,000; New or Used, Models 10 Years and Newer; Subtract 0.25% for hybrid/electric; Add 1.00% for LTV >80%; Add 1.25% for model years 10+ years old; Add 1.25% for over 125,000 miles; Rate effective October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto & Motorcycle Loans	-	-	5.74%	48 months
Details As Low As; Maximum Loan Amount: $150,000; New or Used, Models 10 Years and Newer; Subtract 0.25% for hybrid/electric; Add 1.00% for LTV >80%; Add 1.25% for model years 10+ years old; Add 1.25% for over 125,000 miles; Rate effective October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto & Motorcycle Loans	-	-	5.74%	60 months
Details As Low As; Maximum Loan Amount: $150,000; New or Used, Models 10 Years and Newer; Subtract 0.25% for hybrid/electric; Add 1.00% for LTV >80%; Add 1.25% for model years 10+ years old; Add 1.25% for over 125,000 miles; Rate effective October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto & Motorcycle Loans	-	-	5.74%	72 months
Details As Low As; Maximum Loan Amount: $150,000; New or Used, Models 10 Years and Newer; Subtract 0.25% for hybrid/electric; Add 1.00% for LTV >80%; Add 1.25% for model years 10+ years old; Add 1.25% for over 125,000 miles; Rate effective October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Auto & Motorcycle Loans	-	-	6.24%	84 months
Details As Low As; Maximum Loan Amount: $150,000; New or Used, Models 10 Years and Newer; Subtract 0.25% for hybrid/electric; Add 1.00% for LTV >80%; Add 1.25% for model years 10+ years old; Add 1.25% for over 125,000 miles; Rate effective October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV & Boat Loans (New or Used, Models 10 Years and Newer) - 84 months	-	8.49%	84 months
Details As Low As; Maximum Loan Amount: $250,000; Add 0.50% for loan-to-value > 80%; Add 2.00% for model years 10 years and older Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
RV & Boat Loans (New or Used, Models 10 Years and Newer) - 120 months	-	8.99%	120 months
Details As Low As; Maximum Loan Amount: $250,000; Add 0.50% for loan-to-value > 80%; Add 2.00% for model years 10 years and older Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
RV & Boat Loans (New or Used, Models 10 Years and Newer) - 144 months	-	9.49%	144 months
Details As Low As; Maximum Loan Amount: $250,000; Add 0.50% for loan-to-value > 80%; Add 2.00% for model years 10 years and older Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
RV & Boat Loans (New or Used, Models 10 Years and Newer) - 180 months	-	9.99%	180 months
Details As Low As; Maximum Loan Amount: $250,000; Add 0.50% for loan-to-value > 80%; Add 2.00% for model years 10 years and older Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Platinum	-	10.49%
Details Published APR range: 10.49% - 25.49%. Effective October 13th, 2026; Purchases APR: 10.49% - 25.49% (variable); Balance Transfers APR: 10.49% - 25.49% (variable); Cash Advances APR: 10.49% - 25.49% (variable) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans (Unsecured)	10.99%	Up to 60 months
Details As Low As; Maximum Loan Amount: $25,000; APR (as low as) for personal unsecured loans; estimated monthly payment based on term of 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Seattle Metropolitan Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Lightning Loans	24.99%	-	24.99%	Up to 24 months
Details Maximum Loan Amount: $2,000; Fixed Interest Rate Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 24.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%
Revolving Line of Credit	-	-	10.99%
Details Published APR range: 10.99%-24.99%. As Low As; Maximum Loan Amount: $25,000; APR effective October 13th, 2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.30%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Seattle Metropolitan Credit Union’s Texas Ratio rose from 2.98% in Q3 2023 to 4.30% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.2B	4.30%	5.0	A+
March 31, 2026	$1.1B	4.50%	5.0	A+
December 31, 2025	$1.1B	4.92%	5.0	A+
September 30, 2025	$1.1B	4.87%	5.0	A+
June 30, 2025	$1.1B	4.06%	5.0	A+
March 31, 2025	$1.1B	4.11%	5.0	A+
December 31, 2024	$1.1B	6.41%	5.0	A
September 30, 2024	$1.1B	5.27%	5.0	A+
June 30, 2024	$1.1B	5.45%	5.0	A+
March 31, 2024	$1.1B	5.13%	5.0	A+
December 31, 2023	$1.1B	4.63%	5.0	A+
September 30, 2023	$1.1B	2.98%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 Name Seattle Metropolitan Credit Union

Website https://www.seattlecu.com

Address 1910 1st Ave S, Seattle, WA 98134-1406

Phone 206-398-5500

Fax 206-398-5516

President Robin Harmon

CEO Michael Cruz

Full-Time Employees 173

Part-Time Employees 3

Branch Locations 8

ATM Locations 10

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.30%

Return on Assets (ROA)

0.0182%

Return on Equity (ROE)

0.1581%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

1,169,727,053

Total Amount of Shares and Deposits

921,093,136

Total Shares and Deposits < 1 Year

872,066,017

Total Shares and Deposits 1 3 Years

29,463,794

Total Shares and Deposits > 3 Years

19,563,325

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

134,904,454

Total Uninsured Shares and Deposits > $250K (F+J)

134,904,454

Total Insured Shares and Deposits > $250K (item 17 less item K)

786,188,682

Total Interest Expense (Sum of items 6 8)

10,387,991

Share Certificates

4,290

Number of Accounts for Share Drafts

32,881

IRA KEOGH Accounts

1,407

Number of Accounts for Regular Shares

51,256

Non Member Deposits

Money Market Shares

3,775

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

75,650,944

Total Liabilities

1,087,796,559

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Seattle Metropolitan Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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 CD3.90%
24-Month CD4.10%
60-Month CD3.30%
Savings4.00%
MMA1.16%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Seattle Metropolitan Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Seattle Metropolitan Credit Union Texas Ratio

Seattle Metropolitan Credit Union Health Trend

Seattle Metropolitan Credit Union CD Rates

Seattle Metropolitan Credit Union Business CD Rates

Seattle Metropolitan Credit Union Savings Rates

Seattle Metropolitan Credit Union Business Savings Rates

Seattle Metropolitan Credit Union Money Market Rates

Seattle Metropolitan Credit Union Business Money Market Rates

Seattle Metropolitan Credit Union Checking Rates

Seattle Metropolitan Credit Union Business Checking Rates

Seattle Metropolitan Credit Union Home Equity & HELOC

Seattle Metropolitan Credit Union Auto Loan Rates

Seattle Metropolitan Credit Union RV, Boat and Powersport Loan Rates

Seattle Metropolitan Credit Union Credit Card Rates

Seattle Metropolitan Credit Union Personal Loan Rates

Seattle Metropolitan Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Seattle Metropolitan Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Seattle Metropolitan Credit Union

How many branches does Seattle Metropolitan Credit Union operate?

Is a member application needed to join Seattle Metropolitan Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Seattle Metropolitan Credit Union offer online and mobile banking?

Current Seattle Metropolitan Credit Union Rates

Compare to Other Credit Unions