[{"_1":2,"_72":-5,"_73":-5},"loaderData",{"_3":4,"_12":13},"root",{"_5":-5,"_6":7,"_8":9,"_10":11},"user","recaptchaSiteKey","6Ler9Q4rAAAAAIntb4jBhAbPRXMJSQVneAzxg5M8","sentryTrace","b4be8ff26f6f6033b354aed198c30289-8f9731e5c2177b3b-1","sentryBaggage","sentry-environment=production,sentry-public_key=fbef35ac88c344bffa6f98009cf3736c,sentry-trace_id=b4be8ff26f6f6033b354aed198c30289,sentry-org_id=4505908219871232,sentry-transaction=GET%20http%3A%2F%2Fkargo.glos.si%2Fdomain%2Fcmhxkbzfp006tjx02r7c4ap47,sentry-sampled=true,sentry-sample_rand=0.15494502160757162,sentry-sample_rate=0.5","routes/domain.$domainId",{"_14":15,"_68":69,"_5":-5,"_70":71},"domain",{"_16":17,"_14":18,"_19":20,"_21":22,"_23":24,"_25":26,"_27":28,"_29":-5,"_30":-5,"_31":-5,"_32":33,"_43":44,"_52":53,"_66":67},"id","cmhxkbzfp006tjx02r7c4ap47","www.metrofcu.org","screenshotPath","sites/www.metrofcu.org/screenshot.jpg","htmlPath","sites/www.metrofcu.org/index.html","metaDescription","We offer the best rates on car/auto loans & home mortgage loans in Omaha, NE. Stop in any Metro Credit Union location or contact us today.","importantText","Metro Credit Union Omaha, Nebraska \n\n![](https://ad.doubleclick.net/ddm/activity/src=12656621;type=mcuet0;cat=metro0;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;npa=;gdpr=${GDPR};gdpr_consent=${GDPR_CONSENT_755};ord=[Random Number]?)\n\n[Skip to main content](#mainContent)\n\nApply Now\n---------\n\nIf you are currently a Metro member, please select **“Current Member Application”** and log into our online banking platform.\n\nIf you are a non-member, please select **“New Member Application”** to apply.\n\n* [Current Member Application](https://my.metrofcu.org/QuickApply )\n* [New Member Application](https://membership.metrofcu.org/)\n\nWhat can we find for you? Search: Go! When autocomplete results are available use up and down arrows to review and enter to select.\n\n \n\n[![Metro Credit Union](/images/default-source/default-album/logo.svg?sfvrsn=d41f2cca_3)](/home)\n\nAccount Access\n\nUserName \n\nPassword \n\nSubmit\n\n[Forgot UserName](https://my.metrofcu.org/ForgotUsername) [Forgot Password](https://my.metrofcu.org/ForgotPassword) [Register Now](https://my.metrofcu.org/Registration)\n\n* Routing: 304083396\n* [800-301-8549](tel:18003018549)\n\nApply Now\n\n* [Accounts](#)\n \n * [Savings Accounts](/accounts/savings-accounts)\n * [Checking Accounts](/accounts/checking-accounts)\n * [Money Markets](/accounts/money-market)\n * [Certificates](/accounts/certificates)\n * [IRAs](/accounts/ira)\n * [Deposit Rates](/resources/all-rates#savings)\n \n [![facebook](/images/default-source/default-album/social-facebook.svg?sfvrsn=5a163752_3)](https://www.facebook.com/metrocreditunion/) [![twitter](/images/default-source/default-album/social-twitter.svg?sfvrsn=844e8b81_4)](https://twitter.com/MyMetroCU) [![youtube](/images/default-source/default-album/social-youtube.svg?sfvrsn=12c268d3_3)](https://www.youtube.com/channel/UCoBmurF56naz-quHWyF_7pQ) [![instagram](/images/default-source/default-album/social-insta.svg?sfvrsn=bfa9850_3)](https://www.instagram.com/metrocreditunion/) [![linkedin](/images/default-source/default-album/social-linkedin.svg?sfvrsn=672330_3)](https://www.linkedin.com/company/metro-credit-union-omaha)\n \n Routing: 304083396 | [800-301-8549](tel:18003018549)\n \n ![](https://www.metrofcu.org/images/default-source/navigation-ads/untitled-1.jpg?sfvrsn=3bb604f8_2)\n \n Certificates\n ------------\n \n earn up to 4.15% APY\n \n [Learn More](/accounts/certificates)\n \n What can we find for you? Search: Go! When autocomplete results are available use up and down arrows to review and enter to select.\n \n \n \n* [Loans](#)\n \n * [Personal Loans](/loans/personal-loans)\n * [Auto Loans](/loans/auto-loans)\n * [Boat/Motorcycle/RV Loans](/loans/boat-motorcyle-rv-loans)\n * [Credit Cards](/loans/credit-cards)\n * [Mortgage Loans](/loans/mortgage-loans)\n * [Home Equity Line of Credit (HELOC)](/loans/heloc)\n * [Loan Rates](/resources/all-rates#loan)\n \n [![facebook](/images/default-source/default-album/social-facebook.svg?sfvrsn=5a163752_3)](https://www.facebook.com/metrocreditunion/) [![twitter](/images/default-source/default-album/social-twitter.svg?sfvrsn=844e8b81_4)](https://twitter.com/MyMetroCU) [![youtube](/images/default-source/default-album/social-youtube.svg?sfvrsn=12c268d3_3)](https://www.youtube.com/channel/UCoBmurF56naz-quHWyF_7pQ) [![instagram](/images/default-source/default-album/social-insta.svg?sfvrsn=bfa9850_3)](https://www.instagram.com/metrocreditunion/) [![linkedin](/images/default-source/default-album/social-linkedin.svg?sfvrsn=672330_3)](https://www.linkedin.com/company/metro-credit-union-omaha)\n \n Routing: 304083396 | [800-301-8549](tel:18003018549)\n \n ![](https://www.metrofcu.org/images/default-source/navigation-ads/nav-ad-auto-loan.jpg?sfvrsn=aae8f217_0)\n \n Auto Loans\n ----------\n \n as low as 3.99% APR \n for up to 72 months.\n \n [Learn More](/loans/auto-loans)\n \n What can we find for you? Search: Go! When autocomplete results are available use up and down arrows to review and enter to select.\n \n \n \n* [Services](#)\n \n * [Online Banking](/services/online-banking)\n * [Mobile Wallet](/services/mobile-wallet)\n * [Metro Visa Card Rewards](/services/metro-visa-card-rewards)\n * [Courtesy Pay](/services/courtesy-pay)\n * [Fraud Protection](/services/fraud-protection)\n * [Interactive Teller Machines (ITMs)](/services/itms) \n \n [![facebook](/images/default-source/default-album/social-facebook.svg?sfvrsn=5a163752_3)](https://www.facebook.com/metrocreditunion/) [![twitter](/images/default-source/default-album/social-twitter.svg?sfvrsn=844e8b81_4)](https://twitter.com/MyMetroCU) [![youtube](/images/default-source/default-album/social-youtube.svg?sfvrsn=12c268d3_3)](https://www.youtube.com/channel/UCoBmurF56naz-quHWyF_7pQ) [![instagram](/images/default-source/default-album/social-insta.svg?sfvrsn=bfa9850_3)](https://www.instagram.com/metrocreditunion/) [![linkedin](/images/default-source/default-album/social-linkedin.svg?sfvrsn=672330_3)](https://www.linkedin.com/company/metro-credit-union-omaha)\n \n Routing: 304083396 | [800-301-8549](tel:18003018549)\n \n What can we find for you? Search: Go! When autocomplete results are available use up and down arrows to review and enter to select.\n \n \n \n* [Resources](#)\n \n * [Financial Calculators](/resources/financial-calculators)\n * [Insurance Claims](/resources/insurance-claims)\n * [All Rates](/resources/all-rates)\n * [Save and Succeed](/resources/save-and-succeed)\n * [Member Education](/resources/member-education)\n * [Blog](/resources/blog)\n \n [![facebook](/images/default-source/default-album/social-facebook.svg?sfvrsn=5a163752_3)](https://www.facebook.com/metrocreditunion/) [![twitter](/images/default-source/default-album/social-twitter.svg?sfvrsn=844e8b81_4)](https://twitter.com/MyMetroCU) [![youtube](/images/default-source/default-album/social-youtube.svg?sfvrsn=12c268d3_3)](https://www.youtube.com/channel/UCoBmurF56naz-quHWyF_7pQ) [![instagram](/images/default-source/default-album/social-insta.svg?sfvrsn=bfa9850_3)](https://www.instagram.com/metrocreditunion/) [![linkedin](/images/default-source/default-album/social-linkedin.svg?sfvrsn=672330_3)](https://www.linkedin.com/company/metro-credit-union-omaha)\n \n Routing: 304083396 | [800-301-8549](tel:18003018549)\n \n What can we find for you? Search: Go! When autocomplete results are available use up and down arrows to review and enter to select.\n \n \n \n* [About Us](#)\n \n * [Who We Are](/about-us/who-we-are)\n * [Community Involvement](/about-us/community-involvement)\n * [Locations & Hours](/about-us/locations-hours)\n * [Contact Us](/about-us/contact-us)\n * [Careers](/about-us/careers)\n \n [![facebook](/images/default-source/default-album/social-facebook.svg?sfvrsn=5a163752_3)](https://www.facebook.com/metrocreditunion/) [![twitter](/images/default-source/default-album/social-twitter.svg?sfvrsn=844e8b81_4)](https://twitter.com/MyMetroCU) [![youtube](/images/default-source/default-album/social-youtube.svg?sfvrsn=12c268d3_3)](https://www.youtube.com/channel/UCoBmurF56naz-quHWyF_7pQ) [![instagram](/images/default-source/default-album/social-insta.svg?sfvrsn=bfa9850_3)](https://www.instagram.com/metrocreditunion/) [![linkedin](/images/default-source/default-album/social-linkedin.svg?sfvrsn=672330_3)](https://www.linkedin.com/company/metro-credit-union-omaha)\n \n Routing: 304083396 | [800-301-8549](tel:18003018549)\n \n What can we find for you? Search: Go! When autocomplete results are available use up and down arrows to review and enter to select.\n \n \n \n\n[Español](#googtrans\$en|es\$) [English](#googtrans\$es|en\$) | Routing: 304083396\n\n[800-301-8549](tel:800-301-8549)\n\n![three members hand shaking](https://cdn.segmint.net/d1fbc48eb3954616866f786c8e3d4e5a.png?cb=1466070087)\n\nEXPLORE YOUR LOCAL ADVANTAGE®\n\nMaybe the bank you’re looking for isn’t a bank at all®. It's Metro Credit Union.\n\n[Become a member](https://connect.segmint.net/trackclick/en1pp5pxz8Uk8k/?click=en1bzgoCjzBHRxay&destination=aHR0cHM6Ly9tZW1iZXJzaGlwLm1ldHJvZmN1Lm9yZy8%3D&)\n\n![Metro Credit Union online banking](https://cdn.segmint.net/930db8b5db964c2092253971c4d1a6e0.png?cb=413770137)\n\nBANK WITH METRO ANYWHERE, ANYTIME\n\nExperience convenient and secure online banking!\n\n[Learn more](https://connect.segmint.net/trackclick/en1Er9rnGBSR7n/?click=en1EEdLHd8kI78zM&destination=aHR0cHM6Ly93d3cubWV0cm9mY3Uub3JnL3NlcnZpY2VzL29ubGluZS1iYW5raW5n&)\n\n![three members hand shaking](https://cdn.segmint.net/d1fbc48eb3954616866f786c8e3d4e5a.png?cb=1466070087)\n\nEXPLORE YOUR LOCAL ADVANTAGE®\n\nMaybe the bank you’re looking for isn’t a bank at all®. It's Metro Credit Union.\n\n[Become a member](https://connect.segmint.net/trackclick/en1pp5pxz8Uk8k/?click=en1bzgoCjzBHRxay&destination=aHR0cHM6Ly9tZW1iZXJzaGlwLm1ldHJvZmN1Lm9yZy8%3D&)\n\n![Metro Credit Union online banking](https://cdn.segmint.net/930db8b5db964c2092253971c4d1a6e0.png?cb=413770137)\n\nBANK WITH METRO ANYWHERE, ANYTIME\n\nExperience convenient and secure online banking!\n\n[Learn more](https://connect.segmint.net/trackclick/en1Er9rnGBSR7n/?click=en1EEdLHd8kI78zM&destination=aHR0cHM6Ly93d3cubWV0cm9mY3Uub3JnL3NlcnZpY2VzL29ubGluZS1iYW5raW5n&)\n\n![](https://clients.lk-cs.com/id/62132/images/621328079162010-compressed.png)\n\nCOMMITMENT BEYOND BANKING\n\nExplore how we support the community we all call home.\n\n[Learn More](https://www.metrofcu.org/about-us/community-involvement)\n\n[](#)\n\n[](#)\n\n [](#) [](#)[](#)\n\nFeatured Rates\n--------------\n\n[![auto icon](/images/default-source/quicklinks/auto-icon.png?sfvrsn=b5ac13c6_0&MaxWidth=120&MaxHeight=100&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=37DFCB468C9A37E92AB329151532453808EDB9EE \"auto icon\")](/loans/auto-loans)\n\n\\*Auto Loans\n\nas low as\n\n3.99\n\n%\n\nAPR\n\n[![](/images/default-source/quicklinks/ql-mortgage-blue.svg?sfvrsn=31d91e11_1&MaxWidth=100&MaxHeight=100&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=D4EFD66336EDB2EA0518F46966E07649B5EAE126)](/loans/heloc)\n\n\\*HELOCs\n\nas low as\n\n3.99\n\n%\n\nAPR\n\n[![](/images/default-source/quicklinks/ql-savings-blue.svg?sfvrsn=8fe4ee13_1&MaxWidth=100&MaxHeight=100&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=621523F12803244D27B13019AAAAE91FB76917A4)](/accounts/certificates)\n\n\\*Certificates\n\nup to\n\n4.15\n\n%\n\nAPY\n\n* [View All Rates](/resources/all-rates)\n\nTop of the Line Digital banking Services\n----------------------------------------\n\nBanking when and where you need it!\n\nPrevious\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-onlinebanking-white.svg?sfvrsn=96b1532c_1)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/hero-slider1.jpg?sfvrsn=b541d92f_1)Online](/services/online-banking)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-mobile-white.svg?sfvrsn=823c8736_0)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/mobile-hero-slider.jpg?sfvrsn=7666ff14_0)Mobile](/services/online-banking)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-mobile-white.svg?sfvrsn=823c8736_0)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/mobile-hero-slider-4.jpg?sfvrsn=86bf2816_2)Mobile Wallet](/services/mobile-wallet)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-onlinebanking-white.svg?sfvrsn=96b1532c_1)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/itm-hero-slider.jpg?sfvrsn=23dde940_0)ITMs](/services/itms)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-onlinebanking-white.svg?sfvrsn=96b1532c_1)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/hero-slider1.jpg?sfvrsn=b541d92f_1)Online](/services/online-banking)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-mobile-white.svg?sfvrsn=823c8736_0)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/mobile-hero-slider.jpg?sfvrsn=7666ff14_0)Mobile](/services/online-banking)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-mobile-white.svg?sfvrsn=823c8736_0)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/mobile-hero-slider-4.jpg?sfvrsn=86bf2816_2)Mobile Wallet](/services/mobile-wallet)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-onlinebanking-white.svg?sfvrsn=96b1532c_1)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/itm-hero-slider.jpg?sfvrsn=23dde940_0)ITMs](/services/itms)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-onlinebanking-white.svg?sfvrsn=96b1532c_1)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/hero-slider1.jpg?sfvrsn=b541d92f_1)Online](/services/online-banking)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-mobile-white.svg?sfvrsn=823c8736_0)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/mobile-hero-slider.jpg?sfvrsn=7666ff14_0)Mobile](/services/online-banking)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-mobile-white.svg?sfvrsn=823c8736_0)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/mobile-hero-slider-4.jpg?sfvrsn=86bf2816_2)Mobile Wallet](/services/mobile-wallet)\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-onlinebanking-white.svg?sfvrsn=96b1532c_1)[ ![](https://www.metrofcu.org/images/default-source/hero-slider-images/itm-hero-slider.jpg?sfvrsn=23dde940_0)ITMs](/services/itms)\n\nNext\n\n* [![](https://www.metrofcu.org/images/default-source/quicklinks/ql-savings-blue.svg?sfvrsn=8fe4ee13_1)Who We Are Helping you reach your financial goals!](/about-us/who-we-are)\n* [![](https://www.metrofcu.org/images/default-source/quicklinks/ql-location-blue.svg?sfvrsn=b0841c98_1)Locations & Hours Five full-service branches across the Omaha metro.](/about-us/locations-hours)\n* [![](https://www.metrofcu.org/images/default-source/quicklinks/ql-calc-blue.svg?sfvrsn=ef7c0c50_1)Online Calculators Navigate your financial journey.](/resources/financial-calculators)\n* [![](https://www.metrofcu.org/images/default-source/quicklinks/ql-onlinebanking-blue.svg?sfvrsn=10751003_1)Online Banking Bank safely and securely from home and on the go!](/services/online-banking)\n\n![](/images/default-source/layered-ctas/layered-cta2.jpg?sfvrsn=a62c97ed_3)\n\nFRAUD Protection\n----------------\n\nWe believe the more informed you are, the easier you will recognize scams and know how to stop fraudsters in their tracks.\n\n[Learn More](/services/fraud-protection)\n\n![](/images/default-source/layered-ctas/check-metro-layered-cta1.jpg?sfvrsn=f6531c4b_2)\n\nCHECK WITH METRO FIRST\n----------------------\n\nWe offer great savings and loan rates!\n\n[Learn More](/check-with-metro-first)\n\nPrevious\n\n* > I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!\n \n Mohammed H.\n \n\n* > I've had a great experience that's allowed me to establish credit with my first auto loan. Thank you Metro for giving me this opportunity.\n \n Jessica A.\n \n\n* > I joined in 1990 & always receive great service. Technology has evolved for increased convenience & loan rates are great!\n \n Ann T.\n \n\n* > I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.\n \n Tammy F.\n \n\n* > They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.\n \n Katherine V.\n \n\n* > I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with them\n \n Duane T.\n \n\n* > I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!\n \n Louise G.\n \n\n* > I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.\n \n Brian G.\n \n\n* > I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)\n \n K.W.\n \n\n* > It’s always a great experience at Metro Credit Union!\n \n Randy J.\n \n\n* > Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.\n \n Wendylyn M.\n \n\n* > I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!\n \n Mohammed H.\n \n\n* > I've had a great experience that's allowed me to establish credit with my first auto loan. Thank you Metro for giving me this opportunity.\n \n Jessica A.\n \n\n* > I joined in 1990 & always receive great service. Technology has evolved for increased convenience & loan rates are great!\n \n Ann T.\n \n\n* > I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.\n \n Tammy F.\n \n\n* > They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.\n \n Katherine V.\n \n\n* > I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with them\n \n Duane T.\n \n\n* > I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!\n \n Louise G.\n \n\n* > I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.\n \n Brian G.\n \n\n* > I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)\n \n K.W.\n \n\n* > It’s always a great experience at Metro Credit Union!\n \n Randy J.\n \n\n* > Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.\n \n Wendylyn M.\n \n\n* > I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!\n \n Mohammed H.\n \n\nNext\n\n* [Submit Testimonial](/about-us/submit-a-testimonial)\n* [View More View More Testimonials](/about-us/testimonials)\n\nOur Recent Blogs\n----------------\n\n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-education-white.svg?sfvrsn=7859571c_1)\n \n ![](https://www.metrofcu.org/images/default-source/news-images/budgeting-101-preview.png?sfvrsn=d8177cd9_1)\n \n Aug 12, 2025\n \n [BUDGETING 101: CREATING A MONTHLY PLAN THAT WORKS](https://www.metrofcu.org/resources/blog/metro-blog/2025/08/12/budgeting-101-creating-a-monthly-plan-that-works)\n -------------------------------------------------------------------------------------------------------------------------------------------------------------------\n \n 4 min read\n \n

Managing your money doesn’t have to feel overwhelming or complicated. A monthly budget is a simple way to control your finances, reduce stress, and work towards your goals.

$\"\"$

Saving for a new car? Planning a wedding? Looking to stay on top of everyday expenses? A monthly budget tracks your income and outlines where it goes, so you can manage your money effectively and make steady progress. When you have a clear understanding of your finances, you can make smarter, more informed decisions, adapt to life’s changes, and build toward the kind of future you want.

Here are a few simple steps to help you create and maintain a monthly budget that fits your lifestyle and supports your goals.

STEP 1: CALCULATE YOUR MONTHLY INCOME

Start by writing down how much money you bring in each month. This includes your paycheck, side jobs, or any other consistent source of money. If your income varies, average the last few months to get a realistic number. Everything else in your budget builds from that amount, so take a few minutes to make sure it's accurate.

STEP 2: TRACK YOUR EXPENSES

It’s important to understand how you spend your money. Review your bank and credit card statements to find regular expenses like:

Rent or mortgage
Utilities (gas, electricity, water, Internet)
Groceries
Transportation (gas, rideshares, public transit)
Insurance
Subscriptions (streaming, apps, memberships)
Dining out or entertainment
Loan payments
Childcare or pet expenses

Also, include irregular expenses like birthdays, holiday gifts, or car maintenance. These often surprise people but a good budget helps you prepare for them ahead of time.

STEP 3: WRITE DOWN YOUR FINANCIAL GOALS

What are you trying to do with your money? Maybe it’s building a $10,000 emergency fund, paying off a credit card, or saving for a vacation.

Be specific, “Save $300 a month for my emergency fund” is much more effective than “Save more money.” Clear goals help you stay focused and make choices that align with them.

Download the Metro Credit Union mobile app to simplify money management. Explore features like automatic transfers that make saving convenient and consistent.

STEP 4: CHOOSE YOUR BUDGETING METHOD

You have options when it comes to budgeting. Here are a few popular methods:

50/30/20 Rule:

Allocate 50% of your income for needs, 30% for wants and 20% for savings or debt payments.

Zero-Based Budget:

Assign every dollar a purpose so your income minus expenses equals zero.

Envelope Method:

Use cash envelopes for different categories to limit overspending.

Sub-Savings Accounts Method:

Create separate savings accounts for specific goals and set aside funds each month.

The 80/20 Budget:

Save 20% of your income first, then use the remaining 80% for everything else.

STEP 5: MAKE YOUR MONEY WORK HARDER

A strong budget always includes saving, even small amounts add up over time. Treat savings like a fixed expense. Consider opening a high-yield account like a Money Market or Certificate for competitive rates and faster growth.

STEP 6: USE TOOLS THAT MAKE IT EASIER

No need to track your finances in the old-school way (unless that’s your style!). Metro members can access helpful tools right in online banking. Track spending, set savings goals and keep an eye on your progress in one place.

STEP 7: MONITOR AND ADJUST YOUR BUDGET

Check in weekly to review your spending and adjust as needed. Some months will look different than others, and that’s part of the process. Regular check-ins help you avoid surprises and stay on track.

STEP 8: CELEBRATE YOUR WINS

Any time you follow through on your plan, reach a goal, or just feel more on top of your money, take a moment to celebrate! Recognizing your progress helps you stay motivated and confident in your ability to reach even bigger goals.

Visit Save and Succeed, Metro’s free personal finance program. It can help you understand your habits, set goals, and build a plan you can stick with.

$\"\"$

MAKE YOUR BUDGET WORK FOR YOU

Creating a monthly budget gives you a clear view of your money helps you make smarter money choices and stay on top of your finances. Start with your income and expenses, then build a plan that works for your lifestyle. It doesn’t have to be perfect or restrictive, just intentional.

Use Metro’s state-of-the-art online banking and mobile app tools to make it easier and keep adjusting until your budget works for your financial situation.

\n \n Learn how to create a budget that works for you, with practical tips, flexible methods, and tools to help you save and succeed.\n \n [Read Article about BUDGETING 101: CREATING A MONTHLY PLAN THAT WORKS](https://www.metrofcu.org/resources/blog/metro-blog/2025/08/12/budgeting-101-creating-a-monthly-plan-that-works)\n \n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-education-white.svg?sfvrsn=7859571c_1)\n \n ![](https://www.metrofcu.org/images/default-source/news-images/securitytipstraveling-blog-preview.png?sfvrsn=4253fd45_1)\n \n Aug 5, 2025\n \n [Security Tips for Online Banking While Traveling](https://www.metrofcu.org/resources/blog/metro-blog/2025/08/05/security-tips-for-online-banking-while-traveling)\n ------------------------------------------------------------------------------------------------------------------------------------------------------------------\n \n 4 min read\n \n $\"\"$

Travel should be an enjoyable and stress-free experience. However, when it comes to your finances, staying aware helps you avoid issues before they arise. Although online banking provides the ease of managing your money from anywhere, it’s important to take a few extra precautions to help protect your accounts and keep your information safe online.

Here’s how to bank safely and protect your personal and financial information while traveling:

UPDATE YOUR DEVICES

Before you head out, update all your devices with the latest software, security patches, and antivirus tools. This protects you from hackers who target outdated systems. Back up your data, encrypt your hard drive, and enable a strong password or biometric lock on each device.

Turn on Multi-Factor Authentication (MFA) in online banking to add an extra step like a one-time code after your password. If your device is ever lost or stolen, these simple steps help prevent unauthorized access to your account.

USE SECURE WIFI CONNECTIONS

Avoid public Wi-Fi networks at airports, cafes, and hotels when accessing your bank account. These networks are often unsecured and easy for hackers to exploit. Instead, use your mobile data or a personal hotspot whenever possible.

If public Wi-Fi is your only option, avoid logging into sensitive accounts and use a trusted VPN to encrypt your connection. Also, turn off auto-connect features to prevent your device from joining unknown networks without your permission.

USE TRUSTED WEBSITES AND APPS

Access your account through Metro’s website or mobile app. Look for “https” in the URL and a padlock icon to confirm the site is secure. Hover over links before clicking to make sure they lead to the correct site. Phishing attempts often use subtle changes in the sender’s address or website URL to trick you.

Avoid clicking on links or downloading attachments from emails, texts or social media messages that claim to be from Metro especially if they ask for personal or financial information.

TURN ON ACCOUNT ALERTS

Set up transaction alerts through online banking. You’ll receive real-time updates about purchases, transfers or sign-ins, helping you spot and respond to suspicious activity quickly.

Alerts can help stop fraud before it escalates, and they’re especially helpful when in a different time zone than home.

WATCH WHERE YOU CHARGE YOUR DEVICES

Be cautious when using public USB charging stations. Scammers can install malicious software to steal your data, a tactic known as juice jacking. Carry your own charger and USB cord and use a wall outlet instead of a public port.

$\"\"$

BE CAREFUL WITH ATMS AND CARD READERS

Use ATMs and payment terminals that are in secure, well-lit areas, ideally inside banks or trusted businesses. Fraudsters sometimes install skimmers or hidden cameras to capture card info and PINs.

Always cover the keypad when entering your PIN and inspect the machine for any loose or suspicious parts before using it.

CARRY MULTIPLE PAYMENT OPTIONS

Keep a mix of cash, debit cards, credit cards, and mobile payment options available. Theft and pickpocketing can happen anywhere, so having backups helps ensure you’re never stuck.

Metro accounts work with Apple Pay, Google Pay and Samsung Pay, making it easy to pay with your phone while keeping your card info secure. Learn more how to add convenience and keep your payment information protected.

MONITOR YOUR ACCOUNTS DURING AND AFTER YOUR TRIP

Even while you're on vacation, it’s important to check your bank account every few days. Review recent activity and be sure there’s nothing unusual. If you notice anything suspicious, report it right away through Metro’s online banking platform. For more information on staying safe, visit our Fraud Protection page to stay updated on current scams and get tips to protect your identity.

Once you’re home, review your account again. Confirm any pending transactions and ensure everything is accurate. It’s also a good idea to update your passwords and security questions and run malware scan on your devices to ensure nothing is compromised.

DOWNLOAD METRO CREDIT UNION’s MOBILE APP

Travel is about relaxing and making memories, not worrying about your finances. Enjoy the advantages of online banking and bank securely wherever you go with Metro’s mobile app. You can check balances, transfer funds or lock your debit card if needed.

Register for online banking and download the Metro Mobile App from the Apple App Store or Google Play Store. Already registered? Sign in with your username and password to access your account and manage your money on the go.

$\"\"$ $\"\"$

\n \n Travel should be a stress-free experience. However, when it comes to your finances, staying aware helps you avoid issues before they arise. Here’s how to bank safely and protect your personal and financial information while traveling.\n \n [Read Article about Security Tips for Online Banking While Traveling](https://www.metrofcu.org/resources/blog/metro-blog/2025/08/05/security-tips-for-online-banking-while-traveling)\n \n* ![](https://www.metrofcu.org/images/default-source/quicklinks/ql-education-white.svg?sfvrsn=7859571c_1)\n \n ![](https://www.metrofcu.org/images/default-source/news-images/6-2025-early-auto-payoff-blog-preview.png?sfvrsn=6034ad87_1)\n \n Jun 23, 2025\n \n [EARLY AUTO LOAN PAYOFF: PROS, CONS, AND STRATEGIES](https://www.metrofcu.org/resources/blog/metro-blog/2025/06/23/early-auto-loan-payoff-pros-cons-and-strategies)\n -------------------------------------------------------------------------------------------------------------------------------------------------------------------\n \n 4 min read\n \n

If you have extra money in your budget, you might be wondering if it’s a good idea to pay off your auto loan early. While doing so can reduce the amount of interest you pay and free up room in your monthly budget, it’s important to carefully weigh the potential benefits and downsides before deciding.

If you’re considering it, here are the pros, cons, and smart strategies to help you decide whether an early payoff aligns with your financial goals.

$\"\"$

THE PROS: WHY EARLY PAYOFF MIGHT BE A GOOD CHOICE

Save on interest:

The longer you take to pay off your car, the more you’ll pay in interest. Paying it off early can reduce the total cost of the loan, especially if you got a higher interest rate when you bought the car.

Free up your monthly budget:

Once the loan is paid off, so is that monthly car payment. You can redirect that extra money toward other financial goals, like building an emergency fund or paying down other debts.

Gain full ownership sooner:

Until your auto loan is fully paid off, the lender technically owns the vehicle and holds the title. By paying off your loan early, you gain full ownership sooner and receive the title in your name.

Avoid owing more than your car is worth:

Another important factor to consider is the risk of becoming upside down on your car loan—owing more than the vehicle is worth. This happens when a car depreciates faster than the loan balance decreases, often due to long loan terms, low down payments, or inflated prices. For example, if your car is worth $17,000 but you owe $20,000, you're upside down. Paying off your loan early helps build equity faster and reduces this risk.

THE CONS: WHY EARLY PAYOFF ISN’T ALWAYS THE BEST OPTION

Prepayment penalties:

Some lenders may charge a fee if you pay off a loan early. Check your loan terms and conditions. If there's a prepayment penalty it could cancel out the savings on interest. At Metro, we don’t charge prepayment penalties, so you can pay off your loan whenever you're ready, without worrying about additional fees.

Temporarily lower your credit score:

Paying off your auto loan early can slightly lower your credit score, but the impact is usually minor and temporary. This happens because it ends a positive payment history and reduces your credit mix. Additionally, paying off early can limit the full credit building potential of the loan, as it will only report for the months the loan is active, rather than the full term. However, if you manage other credit accounts well and keep your overall debt low, your score should recover and may even improve over time.

To help you stay informed about your credit, we update your FICO® Score quarterly in online banking under the Tools section. If you want to understand how credit scores work and learn strategies to improve yours, check out our recent blog.

STRATEGIES FOR PAYING OFF YOUR AUTO LOAN EARLY

If you’ve weighed the pros and cons of paying off a car loan early and decided it’s the best choice for you, here are some strategies to consider:

Round up your payments:

If your payment is $285 a month, try rounding it up to $300 or $315. That small extra amount adds up over time.

Make biweekly payments:

Instead of paying monthly, split your monthly auto payment in half and pay that amount every two weeks. Since there are 52 weeks in a year, this method results in 26 half-payments which equals 13 full payments instead of 12. This one extra payment each year can reduce the total interest paid and shorten your loan term, often by several years.

Make a lump sum payment:

If you can afford it, paying off your auto loan in full or making a substantial partial payment reduces your interest over time. Always confirm the accurate payoff amount with your lender, including the balance, interest, and fees. When making a partial payment, specify that the extra amount goes toward the principal.

Refinance your current loan:

Refinancing your auto loan can be a smart strategy if your credit has improved, or interest rates have dropped since you took out your original loan. You might also consider refinancing to a shorter loan term, which can help you become debt-free sooner and pay less overall. Just be sure to review any fees or terms associated with refinancing to ensure the total cost still benefits you.

IS PAYING OFF YOUR AUTO LOAN EARLY THE BEST OPTION FOR YOU?

Paying off a car loan early is appealing for many reasons, but it’s not always the best financial move for everyone. Consider your overall financial goals, loan terms, and weigh the pros and cons. Think about how else you might use that money, and determine which payoff option works best for you. Contact us today or visit your nearest branch, and we’ll help you explore your options.

\n \n Paying off your auto loan early can reduce the amount of interest you pay and free up room in your budget. This blog weighs the pros and cons of doing so and provides strategies to help you decide whether an early payoff aligns with your financial goals.\n \n [Read Article about EARLY AUTO LOAN PAYOFF: PROS, CONS, AND STRATEGIES](https://www.metrofcu.org/resources/blog/metro-blog/2025/06/23/early-auto-loan-payoff-pros-cons-and-strategies)\n \n\n* [View More View More Blog Articles](/resources/blog)\n\n![Metro Federal Credit Union](/images/default-source/default-album/logo.svg?sfvrsn=d41f2cca_3)\n\n[![Apple App](/images/default-source/default-album/apple.svg?sfvrsn=c7150412_1)](https://apps.apple.com/us/app/metro-credit-union-omaha/id931656579) [![Google Play App](/images/default-source/default-album/google.svg?sfvrsn=4c771c71_1)](https://play.google.com/store/apps/details?id=com.metrohealthcu.mfm&hl=en_US)\n\n[800-301-8549](tel:18003018549)\n\nP.O. Box 390696 \nOmaha, NE 68139\n\nRouting Number: 304083396\n\n![](/images/default-source/default-album/cover.png?sfvrsn=c9f36129_1)\n\n[![Facebook](/images/default-source/default-album/social-facebook.svg?sfvrsn=5a163752_3)](https://www.facebook.com/metrocreditunion/) [![Twitter](/images/default-source/default-album/social-twitter.svg?sfvrsn=844e8b81_4)](https://twitter.com/MyMetroCU) [![YouTube](/images/default-source/default-album/social-youtube.svg?sfvrsn=12c268d3_3)](https://www.youtube.com/channel/UCoBmurF56naz-quHWyF_7pQ) [![Instagram](/images/default-source/default-album/social-insta.svg?sfvrsn=bfa9850_3)](https://www.instagram.com/metrocreditunion/) [![LinkedIn](/images/default-source/default-album/social-linkedin.svg?sfvrsn=672330_3)](https://www.linkedin.com/company/metro-credit-union-omaha)\n\n[Privacy Policy](/privacy-policy) [Disclosures](/disclosures) [Sitemap](/sitemap) Get CoBrowsing Code\n\n![](/images/default-source/default-album/ncua.svg?sfvrsn=de58aa5c_2)![](/images/default-source/default-album/ehl.svg?sfvrsn=a6714559_2)\n\n©2025 Metro Credit Union Website Design by [LKCS](https://www.lk-cs.com/)\n\n[A](#) [A](#) [A](#)\n\nWhat can we find for you? Search: Go! When autocomplete results are available use up and down arrows to review and enter to select.\n\n \n\n[![facebook](/images/default-source/default-album/social-facebook.svg?sfvrsn=5a163752_3)](https://www.facebook.com/metrocreditunion/) [![twitter](/images/default-source/default-album/social-twitter.svg?sfvrsn=844e8b81_4)](https://twitter.com/MyMetroCU) [![youtube](/images/default-source/default-album/social-youtube.svg?sfvrsn=12c268d3_3)](https://www.youtube.com/channel/UCoBmurF56naz-quHWyF_7pQ) [![instagram](/images/default-source/default-album/social-insta.svg?sfvrsn=bfa9850_3)](https://www.instagram.com/metrocreditunion/) [![linkedin](/images/default-source/default-album/social-linkedin.svg?sfvrsn=672330_3)](https://www.linkedin.com/company/metro-credit-union-omaha)\n\nRouting: 304083396 | [800-301-8549](tel:18003018549)\n\n \n\nYou are leaving www.metrofcu.org\n================================\n\nMetro Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. Metro Credit Union neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site.\n\nOur privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information.\n\nThank you for visiting our website.\n\n![](https://fonts.gstatic.com/s/i/productlogos/translate/v14/24px.svg)\n\nOriginal text\n\nRate this translation\n\nYour feedback will be used to help improve Google Translate\n\n![dot image pixel](https://sp.analytics.yahoo.com/sp.pl?a=10000&d=Thu%2C%2013%20Nov%202025%2016%3A43%3A36%20GMT&n=0&b=Metro%20Credit%20Union%20Omaha%2C%20Nebraska&.yp=10197598&f=https%3A%2F%2Fwww.metrofcu.org%2F&enc=UTF-8&yv=1.16.6&tagmgr=gtm)","summary","Metro Credit Union provides banking services including account management, loans, and online banking for its members in Omaha, Nebraska.","notes","requests","dataTransferred","brands",[34],{"_16":35,"_36":37,"_38":39,"_40":41,"_42":-5},"cmhxjf9dx00hol202cje3dtsw","name","Metro Federal Credit Union","description","A member-owned financial cooperative providing banking services to its members.","toCheck",true,"parentId","iabCategories",[45,49],{"_46":47,"_36":48,"_38":48},"code","IAB3","Business",{"_46":50,"_36":51,"_38":51},"IAB13","Personal Finance","iabProducts",[54,63],{"_36":55,"_56":57,"_58":55,"_59":-5,"_16":60,"_61":62},"Banking","tier1","Finance and Insurance","tier2","tier3",1337,"parent_id",1335,{"_36":64,"_56":57,"_58":64,"_59":-5,"_16":65,"_61":62},"Credit and Debt Repair/Credit Reporting",1338,"tags",[],"creatives",[],"cdnUrl","https://d3a7qprliuujyh.cloudfront.net","actionData","errors"]

www.metrofcu.org

Summary

Associated Brands

IAB Categories

IAB Ad Products

Tags

Creatives