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Metro Plus Credit Union is a member-owned financial cooperative in the Bluegrass region offering auto loans, mortgages, home equity products, and credit cards with competitive rates.
Data compiled from public sources
Metro Plus Credit Union is a federally-insured, member-owned credit union serving the Bluegrass region (Kentucky area based on website language). The credit union recently underwent a rebranding evolution and held a grand opening event for a new main office in April. As a not-for-profit cooperative, Metro Plus operates under the NCUA regulatory framework and prioritizes member benefits over shareholder profits.
Metro Plus offers a comprehensive suite of financial products including auto loans (as low as 5.79% APR on used vehicles), home mortgage loans, fixed-rate home equity loans, home equity lines of credit (HELOC), personal loans, VISA credit cards (as low as 7.90% APR), money market accounts (up to 1.76% APY), and share certificates (up to 2.89% APY). The credit union also provides online banking, ATM access through the CO-OP shared network, check reordering, and loan pre-qualification tools. A standout offering is their Auto Advisors service, a free VIP car-buying experience for members that includes trade-in evaluation, dealer incentive research, financing negotiation, and a haggle-free purchasing process.
Metro Plus differentiates itself through member-centric services beyond traditional lending. The Auto Advisors program eliminates car-buying friction for members, while their Financial Wellness Portal provides educational tools for money management. Promotional offerings include limited-time auto loan incentives (2.00% APR discount plus 90-day payment deferral) and listed loan products like vacation loans. The credit union emphasizes local presence with multiple branch locations and hours transparency, plus holiday schedule visibility.
As a credit union, Metro Plus is best suited for individuals seeking member-owned banking with rate claims to verify and personalized service. However, membership eligibility requirements (not detailed on homepage) may restrict access compared to banks. The promotional rates and terms displayed are time-limited, and specific APR/APY rates shown are minimums that vary by creditworthiness and product terms.
This is state-level context for Credit Unions consumers in Lexington, KY. It does not confirm that Metro Plus or this specific location is licensed.
State regulator
Kentucky Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Metro Plus offers 12 services including Auto loans (used vehicles as low as 5.79% APR with promotional discounts), Home mortgage loans, Fixed-rate home equity loans, Home equity line of credit (HELOC), Personal loans, and 7 more.
Metro Plus has profile signals associated with Vehicle buyers seeking professional negotiation assistance and competitive auto loan rates through a member-owned lender, Homeowners interested in tapping home equity for debt consolidation or major projects with fixed-rate options, Bluegrass region residents looking for local relationship banking with multiple branch locations, Credit union members seeking a full-service financial institution with savings, lending, and educational resources.
Key strengths: Auto Advisors service provides free professional car-buying assistance with negotiation and dealer incentive research for members; Competitive auto loan rates starting at 5.79% APR on used vehicles with promotional discounts available; Home equity products (fixed-rate loans and HELOC) for debt consolidation, remodeling, and major purchases. Areas to consider: Membership eligibility requirements not disclosed on website—credit unions typically have field-of-membership restrictions; Promotional rates (2.00% APR off, 90-day payment deferral) are explicitly time-limited with unclear expiration dates.
In the Credit Unions category, comparable providers include Abound, Advanz, Ashland. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Metro Plus is profile signals for credit union-eligible consumers in Kentucky seeking rate claims to verify on auto loans and home equity products, particularly those interested in the free Auto Advisors car-buying service. The main caveat is that membership eligibility is restricted to specific fields-of-membership, and displayed rates are promotional minimums requiring good credit—actual rates will vary by individual creditworthiness.
Abound Credit Union is a Kentucky-based, member-owned financial institution offering checking, savings, loans, credit cards, and mortgage services with no-fee accounts and rate claims to verify.
Profile signals: Kentucky residents seeking a community-focused credit union with no-fee checking and competitive savings rates, Homebuyers interested in mortgage options with personalized lender support and potential Welcome Home Grants
Member-owned credit union serving Kentucky and Indiana counties with competitive loan rates, savings products, and financial services for individuals and businesses.
Profile signals: Kentucky and Indiana residents in the seven eligible counties seeking rate claims to verify on auto loans, mortgages, and home equity products, Members prioritizing personalized service and community banking relationships over purely digital-only banking
Ashland Community Federal Credit Union is a member-owned, not-for-profit credit union serving Ashland County, Ohio since 1951, offering checking, savings, loans, and shared branching access.
Profile signals: Ashland County, Ohio residents seeking basic banking with a community-focused institution, Borrowers with poor credit history who need a lender willing to evaluate applications individually
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