At a glance
From its website, read 3 Nov 2026METROPOLITAN TEACHERS' CREDIT UNION is a credit union based in Nashville, Tennessee. Its website describes auto loans, home repair loans and personal loans. Consumer loan APRs stated on its site range from 5.5% to 12%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (615) 321-4622 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.metrotcu.org |
| Office (official list) | 1605 Jefferson St, Nashville, TN 37208 |
What their website says about applying
Fill out our online application or come see us, and we will be happy to help.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 3 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 5.5% APR | As low as 5.5% Annual Percentage Rate | source |
| Auto / vehicle loans | Rate: from 6.8% APR | As low as 6.80% Annual Percentage Rate | source |
| Personal / consumer loans | Rate: from 12% APR | 1k to 2500, as low as 12% Annual Percentage Rate | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
we welcome individuals who meet the following criteria to join: Employees of the Metropolitan Nashville Board of Education
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 4 Mar 2020 |
| RSSD ID | 1019335 |
| Address | 1605 Jefferson St, Nashville, TN 37208 Directions (Google Maps) |
| Website | www.metrotcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 3 Nov 2026Read from 2 pages of the lender's website on 3 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan rate and amount details were not stated on the pages fetched, and the personal loan amount range is unclear. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto Loans New | source |
| Home repair / improvement loans | — | We offer Home improvement loans. | source |
| Personal / consumer loans | — | Summer Loans (Personal) | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$200,000 in 1 award from the U.S. Treasury's CDFI Fund, 2021 (CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $200,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as METROPOLITAN TEACHERS (charter 68135). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $2.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 1,168 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
Tennessee (1 office)
- Davidson County (1): 1605 Jefferson St, Nashville 37208 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by METROPOLITAN TEACHERS' CREDIT UNION (NCUA charter 68135, filed as “METROPOLITAN TEACHERS”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $708,632, 161 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 9.5% from $782,647 on 30 Jun 2025 |
| Members | 1,168 (as of 30 Jun 2026); 1,832 (as of 30 Jun 2025) |
| Loans per member | $607 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $65,421 | 9.2% |
| Used vehicle loans | $378,871 | 53.5% |
| Other unsecured loans | $250,802 | 35.4% |
| Leases and other secured loans | $13,538 | 1.9% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $2.5 million | Larger than 0% of the 11 other certified credit unions in Tennessee (median $182.8 million). |
| Loans as a share of assets | 29% | Median of the same 11 credit unions: 78%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $782,647 → $708,632 (-9%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 12 → 12. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 0% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 12 → 12 of 12 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Nashville and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Southeast Community Capital Corporation DBA Pathway LendingLoan fund · Nashville, TNOfficial list only
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
Work at METROPOLITAN TEACHERS' CREDIT UNION? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.