First Metropolitan


P O Box 3008
Concord, CA 94522
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

First Metropolitan is an NCUA insured institution located in Concord, CA. It was founded in 1949 and has approximately $177.36 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 64154
Date Established 1949
Assets $177.36 million
Loans $126.15 million
Deposits $169.43 million
Capital $5.86 million

Deposit Rates - July 26, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - July 26, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FIRST METROPOLITAN

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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Quicken Loans NMLS #3030
NMLS ID: 3030
3.465% 3.375% 0.63 $2,812 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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BMO Harris Bank
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4.840 %
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Third Federal Savings and Loan
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2.240 %
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First Metropolitan Locations

Financial Details

First Metropolitan Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Metropolitan. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Metropolitan U.S. Average
16.01% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, First Metropolitan had $1,396,385 in non-current loans and $362,775 in owned assets. To cover these potential losses it had $5,859,824 in net worth and $5,130,089 in loans loss reserves. That gives it a Texas Ratio of 16.01%.

Net Worth
First Metropolitan U.S. Average
3.3% 12.20%

First Metropolitan FCU has a net worth of 3.3% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First Metropolitan

Branches and Savings

What is First Metropolitan?

A federal credit union, registered with the NCUA under certificate #64154.
Learn more about credit unions here.

Is First Metropolitan FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. First Metropolitan is insured by the NCUA.

Who can join First Metropolitan?

Please see Field of Membership information above for information on who is eligible to join.

What are First Metropolitan's share account and share certificate rates?

First Metropolitan's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First Metropolitan?

First Metropolitan has total capital of $5.86 million. Full information on First Metropolitan's financial position is located above.

Who owns First Metropolitan?

Credit Unions are owned by their members.

Where are First Metropolitan branches located?

See branch locations nearby.

Are First Metropolitan ATMs Open 24/7?

Do First Metropolitan ATMs accept cash deposits?

Can First Metropolitan customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Metropolitan have a mobile app?

Does First Metropolitan have mobile deposit?

Does First Metropolitan have quick pay?

How can First Metropolitan transfer money to other banks or credit unions?

Does First Metropolitan report to credit bureaus?

Does First Metropolitan use Chexsystems?

Does First Metropolitan use Equifax?

What is First Metropolitan's toll free phone number?

What is First Metropolitan's ACH Routing Number?

What is First Metropolitan's SWIFT code?

Where can I find First Metropolitan's wire transfer form?

What is the First Metropolitan address for deposits?

What Products Does First Metropolitan Offer

Does First Metropolitan offer mortgages?

Compare mortgage rates here.

Does First Metropolitan offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Metropolitan offer auto and RV loans?

Compare auto loan rates here.

Does First Metropolitan offer student loans or personal loans?

Compare personal loan rates here.

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