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About Us


Earning Your Trust. Building Your Future.

About San Diego Metropolitan Credit Union (METRO)

METRO's headquarters are located in San Diego with ATM's and branches throughout the county. METRO offers a wide range of products and is a not-for-profit organization, serving over 18,000 members including the City of San Diego, other municipal-related organizations and the community at-large. Any profit that is generated is returned to all members in the form of lower rates on loans, higher rates on deposits, new services and additional branch and ATM locations.

What makes us the best choice in financial services?

Unlike other financial institutions, credit unions are not in business to make a few lucky stockholders rich. We are a not-for-profit, democratically-controlled organization designed to allow members to pool their savings and then lend it back out to one another. Any profit that is generated is returned to all members in the form of lower rates on loans, higher rates on deposits, new services and additional branch and ATM locations.

That's the credit union difference. But even among credit unions, METRO stands out. For one, we've been around much longer than most. Decades before the Coronado Bridge became a landmark, we were already part of the San Diego scene. We were here, too, back when some of Balboa Park's towering eucalyptus trees were little more than seedlings. We were founded in 1934 by a group of City of San Diego employees looking for financial relief in the throes of an economic depression.

The Benefits of Belonging

As a member-owner of METRO, you can expect better-than-average rates on loans and deposits, financial convenience, and the friendliest service you've ever experienced.

State of the Art Financial Convenience

In today's busy world, it's nice to know you can take care of your financial affairs when the time is right for you -- not just during our office hours. For instance, you can use one of several hundred CO-OP ATMs throughout San Diego County -- any hour of the day or night. Then, there's MetroNet, our online banking service, and MetroLine, our 24-hr telephone transaction service, which allow you to access your accounts 'round the clock!

Don't forget Direct Deposit and payroll deduction. These services will save you time and trips to METRO. Extended hours, night deposit boxes, and pre-addressed envelopes for transactions by mail, all add up to a style of service that goes the extra mile, so you won't have to!

Deposit Accounts

At METRO, you'll find the right plan or plans for all your savings goals. Whether you're looking ahead to this year's vacation or down the road to the day of your retirement, we've got ways to get you where you want to go. All our savings plans combine competitive dividends with absolute safety. In fact, deposits with us are insured by the National Credit Union Administration (NCUA), a U.S. Government Agency.

A Wide Variety of Low Interest Loans

For everything from buying a new car to consolidating bills, you'll find a loan that's right for you. We have it all -- home loans, vehicle loans, personal loans and secured loans, too. All at rates lower than most, and with terms more flexible than you've ever imagined. Plus, lots of easy ways to pay -- like payroll deduction and automatic transfers, or Direct Deposit.

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