Greater Metro FCU logo

Greater Metro FCU in New York, NY

5.0/5
Google rating from 2 reviews

Greater Metro Federal Credit Union offers checking, savings, mortgages, auto loans, and credit cards to members. They provide digital banking via It's Me 247 and ATM/shared branch access.

Data compiled from public sources · Google rating shown when a stored review count is available

Greater Metro FCU Review

Greater Metro Federal Credit Union is a member-owned financial cooperative operating as a full-service credit union. org), they have been serving members with traditional credit union products and services. The organization maintains physical presence through shared service centers and a network of ATMs, along with digital banking capabilities.

49% APR). Members can access accounts through It's Me 247 online banking, ARTIE (Audio Response Teller and Information Exchange System), and Digital Wallets for contactless payments. They also provide investment products, loan calculators, and access to TruStage auto and home insurance through a partner agency.

Distinguishing features include implementation of Multi-Factor Authentication for enhanced account security, an advanced fraud alert system that notifies members via email, SMS text, and interactive phone calls, and access to shared branches and ATM networks beyond their own locations. They provide listed rate information and fee schedules on their website, along with annual reports and regular newsletters. Customer support is available via phone at 718-361-1002.

As a credit union, Greater Metro FCU operates on a not-for-profit basis with earnings returned to members through rate claims to verify. However, the website provides limited information about membership eligibility requirements, specific account features, minimum balances, or detailed fee structures. The scope of their field of membership is not clearly stated on the available pages.

Services & Features

ARTIE audio response teller system
ATM network access with no surcharge locator
Advanced fraud alerts via email, SMS, and phone
Auto loans and vehicle financing
Check reordering services
Checking accounts
Digital wallet payments
It's Me 247 online banking platform
Loan calculators
Mastercard credit cards
Mortgages (home purchase and refinance)
Personal loans
Savings accounts and investments
Shared branch access network
TruStage auto and home insurance partnerships

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Competitive auto loan rates advertised as low as 4.14% APR
  • Multi-Factor Authentication and advanced fraud alert system with SMS/email notifications
  • Digital wallet capability for contactless payments with phones and smart wearables
  • Access to shared branch network and ATM locators beyond their own locations
  • It's Me 247 online banking platform for 24/7 account access
  • listed rate sheets and fee schedules published online
  • Member-owned cooperative structure with non-profit operations
  • TruStage insurance partnership offering auto and home insurance options

Cons

  • Limited information available about membership eligibility and field of membership requirements
  • Minimum account balances and specific product fees not detailed on homepage
  • No mention of mobile app availability beyond digital wallets
  • ARTIE phone system recently changed to text-to-speech, which some members may find less natural
  • Geographic service area and branch locations not clearly specified on website

State Consumer Finance Context

This is state-level context for Credit Unions consumers in New York, NY. It does not confirm that Greater Metro FCU or this specific location is licensed.

State regulator

New York Department of Financial Services

Key state rules to check

  • Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
  • The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
  • Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Greater Metro FCU offer?

Greater Metro FCU offers 15 services including Checking accounts, Savings accounts and investments, Mortgages (home purchase and refinance), Personal loans, Auto loans and vehicle financing, and 10 more.

What profile signals are listed for Greater Metro FCU?

Greater Metro FCU has profile signals associated with Individuals seeking competitive auto and personal loan rates through a credit union, Members prioritizing fraud protection with multi-channel notifications, Tech-savvy consumers wanting digital payment options and online banking, People eligible for credit union membership in their service area looking for traditional banking products.

What are the strengths and weaknesses of Greater Metro FCU?

Key strengths: Competitive auto loan rates advertised as low as 4.14% APR; Multi-Factor Authentication and advanced fraud alert system with SMS/email notifications; Digital wallet capability for contactless payments with phones and smart wearables. Areas to consider: Limited information available about membership eligibility and field of membership requirements; Minimum account balances and specific product fees not detailed on homepage.

How does Greater Metro FCU compare to similar companies?

In the Credit Unions category, comparable providers include America First Credit Union, First Community Credit Union - Fairbanks, Los Angeles Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

CreditDoc Profile Note

Research Note on Greater Metro FCU

Greater Metro FCU is profile signals for members seeking a full-service credit union with competitive loan rates, strong security features, and digital banking convenience. The primary caveat is that membership eligibility appears restricted to a specific field of membership not clearly defined on their website, so prospective members must verify they qualify before applying.

Profile Signals

  • Individuals seeking competitive auto and personal loan rates through a credit union
  • Members prioritizing fraud protection with multi-channel notifications
  • Tech-savvy consumers wanting digital payment options and online banking
  • People eligible for credit union membership in their service area looking for traditional banking products
Updated 2026-04-29

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Quick Summary

  • Greater Metro FCU is listed as a Credit Unions provider in New York, NY on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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