on New Autos

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					Spring 2012


 With rates this low, everyone’s coming to Metro for an auto loan!

                                                                                                                             ● Low rate, big savings
                                                                         Rates as low as


                                                                    3.60
                                                                                                                             ● Financing up to 100%

                                                                                                             %               ● Flexible terms
                                                                                                             APR*
                                                                                                                             ● Apply online in minutes
                                                                          on New Autos
                                                                                                                             ● Quick turnaround time


Refinance and save!
Already have an auto loan with another lender? Are you finding the car payment a bit too heavy?
Metro can help you lighten the load. We offer great rates on new and used vehicles. You can
refinance your existing auto loan from another lender, get a better rate, lower your monthly
payment, and save hundreds of dollars in interest.
To apply, visit metrocu.org or call 877-MY-METRO ext. 7567 to speak to a Lending Specialist.
*Annual Percentage Rate may vary based on creditworthiness. 3.60% APR per $1,000 borrowed for 60 months is $18.24. Promoted rate for new autos only and may not be combined
with other offers. Rate effective as of 3/01/12 and may change at any time. $5,000 minimum loan amount. Refinance of Metro auto loans ineligible. Subject to credit approval. Other
rates and terms available.



 Planning a getaway? Join the club.
 Your first step toward an affordable vacation is to
 save for it. When you plan a trip, consider using a
 Metro Vacation Club account.
 It’s only $10 to open a Vacation Club and you can set
 aside a specific amount from each paycheck to
 ensure that you have enough money when your
 vacation rolls around.
 Stop in, call 877-MY-METRO, or visit metrocu.org to find
 out how we can help you save for your next vacation.
                                                                           Don’t miss the IRA contribution deadline!

       A message from Metro’s Investment Services

      Make sure you make your 2011 IRA contribution by April 17, 2012. If you’ve been contributing
      $50 or $100 to an IRA each month, there’s room to contribute a lot more. Putting $600 or
      $1,200 in your IRA annually is nice, but you can direct up to $5,000 into your IRA for the 2011
      tax year (and as much as $6,000 if you turned 50 in 2011).*

      This $5,000 annual IRA contribution can be split across multiple IRAs, both traditional and
      Roth. Your maximum contribution may be reduced if your modified adjusted gross income,
      or MAGI, is really high.*

      Contact a Metro Investment Services Financial Advisor to learn more about IRAs. Call John
      Delaney at 877-696-3876 ext. 3505 or Thomas Folan at 877-696-3876 ext. 4015 .

      * www.irs.gov/retirement/participant/article/0,,id=188232,00.html [10/21/11]
      Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer
      and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (800) 369-2862. Nondeposit investment and insurance products are not federally insured, involve
      investment risk, may lose value and are not obligations of or guaranteed by Metro Credit Union. CBSI is under contract with the financial institution, through the financial services
      program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The Representative may also
      be a credit union employee that accepts deposits on behalf of Metro Investment Services.




   Metro in the Community
   Metro hosts Business After Hours Event benefiting Citizens for Adequate Housing
   In conjunction with the Peabody Area Chamber of Commerce,
   Metro hosted a Business After Hours event on December 6th. Business
   owners were invited to Metro’s Peabody Branch to network with one
   another and give back to the community.

   The event served as an opportunity to collect donations to benefit
   Citizens for Adequate Housing. Toys and monetary donations were
   made by the business owners in attendance and were later distributed to
   local families in need to provide joy during the holiday season. In addi-
   tion to the donations provided by attending members of the Chamber of                                                                                   Pictured is Metro President & CEO
                                                                                                                                                           Robert M. Cashman presenting a
   Commerce, Metro Credit Union employees made individual donations                                                                                        donation to Elaine Miller of Citizens for
                                                                                                                                                           Adequate Housing.
   matched by Metro for a total of $1,000.


   All Metro offices will be CLOSED on:                                                         Memorial Day                       Independence Day
                                                                                                Monday, May 28, 2012               Wednesday, July 4, 2012



          Boston ▪ Burlington ▪ Chelsea ▪ Framingham ▪ Lawrence ▪ Lynn ▪ Melrose ▪ Peabody ▪ Salem ▪ Tewksbury


                                                             For Telephone Banking call: 800-423-5699
                                                             877-MY-METRO metrocu.org
Federally insured by NCUA.   Member MSIC.

				
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