Money Management

Relationship Rewards

Want all the benefits of membership -- and then some? Check out our Relationship Rewards. At METRO, our goal is to assist you in building a sound financial future for yourself and your family. In fact, we want to reward you for doing it with us! That's why we've created a special program designed to do two things: give a little back to those members who use us most, and encourage increased participation (and saving!) from those members whose assets are growing. It's not only good for you, it's also good for us.

Relationship Rewards is a simple, two-tiered incentive package that, in fact, "gives back" to members who reach specific levels of combined assets at the Credit Union. There is no enrollment or application required to participate in Relationship Rewards. Your value-added benefits will be extended to you automatically — as long as you meet the minimum balance requirements!

Premier Membership

Premier benefits are offered to members who maintain a total of $25,000 to $50,000 in any combination of METRO deposit accounts, with at least $5,000 of the total sum in savings, checking or money market accounts.

Premier Advantage Membership

Premier Advantage benefits are offered to members who maintain a total of $50,000 or more in any combination of METRO deposit accounts, with at least $5,000 of the total sum in savings, checking or money market accounts. As a Premier or Premier Advantage member, you'll enjoy the benefits outlined below:

BENEFITS PREMIER ADVANTAGE PREMIER
Annual .25% Dividend Bonus on Term CD or IRA Yes  
Annual .25% Rate Discount on qualifying unsecured or vehicle-secured loan Yes  
Annual .25% Dividend Bonus on Term CD/IRA, OR Annual .25% Rate Discount on qualifying unsecured or vehicle-secured loans.   Yes
Monthly Checking Fee Waiver Yes Yes
Free Order of Checks Annually or a $18 credit on premium checks Yes Yes
Free Cashier's Checks Yes Yes
Free Notary Service (By appointment) Yes Yes
Free Traveler's Cheques Yes Yes
Complimentary Personal Financial Consultant with Metro Investment Center Representative Yes Yes
Point of Sale fee waiver Yes Yes
If you qualify, your next Credit Union statement will identify you as a Premier or Premier Advantage member, and you can begin enjoying the benefits immediately.

We'll Help You Get There!

If you do not yet qualify for one of our Relationship Rewards benefit packages, we'll certainly help you get there! For assistance with setting up a systematic saving strategy — using payroll deduction or direct deposit — please talk to one of our Member Service Representatives. On your way to enjoying Relationship Rewards, you will continue to experience the exceptional membership privileges and financial products you have come to expect from San Diego Metropolitan Credit Union!

Please Note: You must maintain the specified minimum balances on a daily basis in order to qualify for benefits. At the end of each month, an analysis of our database will be performed to determine qualifying memberships. All those qualifying will be eligible for benefits the following month and subsequent months, as long as the minimum balance requirements continue to be met. Members may verify relationship status by referring to their monthly statements.