By The Numbers
Deposit Rates
Accurate as of August 13, 2024.
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Certificates of Deposit Accounts
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| CDS | APY * | INTEREST RATE | MINIMUM BALANCE TO EARN INTEREST | MIN BALANCE TO OPEN |
|---|---|---|---|---|
3 Months | 4.75% | 4.75% | $0.01 | $500.00 |
6 Months | 4.50% | 4.50% | $0.01 | $500.00 |
9 Months | 4.25% | 4.25% | $0.01 | $500.00 |
12 Months | 4.00% | 3.92% | $0.01 | $500.00 |
13 Months | 3.50% | 3.44% | $0.01 | $500.00 |
14 Months | 3.50% | 3.44% | $0.01 | $500.00 |
15 Months | 3.50% | 3.44% | $0.01 | $500.00 |
17 Months | 3.50% | 3.44% | $0.01 | $500.00 |
18 Months | 3.50% | 3.44% | $0.01 | $500.00 |
21 Months | 3.50% | 3.44% | $0.01 | $500.00 |
24 Months | 3.50% | 3.44% | $0.01 | $500.00 |
30 Months | 3.50% | 3.44% | $0.01 | $500.00 |
36 Months | 3.50% | 3.44% | $0.01 | $500.00 |
48 Months | 3.50% | 3.44% | $0.01 | $500.00 |
60 Months | 3.50% | 3.44% | $0.01 | $500.00 |
Today's Date: 09/02/2024
*Annual Percentage Yield (APY) is accurate as of the last interest declaration date of August 13, 2024.
Rates shown are for new accounts opened and are subject to change after account opening. Fees may reduce earnings. After account opening, the current rate can be found within Metro iBanking and on the account statement.
Certificate of Deposit: Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts. Fees and penalties may reduce earnings. All CDs that roll over upon maturity will earn the interest rate in effect at that time. At maturity New Money CDs roll into a Regular CD at a comparable term. Please see Metro's Truth-in-Savings Disclosure for Certificates of Deposit; ask a Metro Representative for further information about these accounts.
IRA/Roth Certificates of Deposit Accounts
Learn about our IRAs
Please visit any Metro location to open.
| CDS | APY * | INTEREST RATE | MINIMUM BALANCE TO EARN INTEREST | MIN BALANCE TO OPEN |
|---|---|---|---|---|
12 Months | 4.10% | 4.02% | $0.01 | $500.00 |
15 Months | 3.60% | 3.54% | $0.01 | $500.00 |
18 Months | 3.60% | 3.54% | $0.01 | $500.00 |
24 Months | 3.60% | 3.54% | $0.01 | $500.00 |
36 Months | 3.60% | 3.54% | $0.01 | $500.00 |
48 Months | 3.60% | 3.54% | $0.01 | $500.00 |
60 Months | 3.60% | 3.54% | $0.01 | $500.00 |
Today's Date: 09/02/2024
*Annual Percentage Yield (APY) is accurate as of the last interest declaration date of August 13, 2024.
Rates shown are for new accounts opened and are subject to change after account opening. Fees may reduce earnings. After account opening, the current rate can be found within Metro iBanking and on the account statement.
Certificate of Deposit: Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts. Fees and penalties may reduce earnings. All CDs that roll over upon maturity will earn the interest rate in effect at that time. At maturity New Money CDs roll into a Regular CD at a comparable term. Please see Metro's Truth-in-Savings Disclosure for Certificates of Deposit; ask a Metro Representative for further information about these accounts.
IRA Savings Account
Savings Accounts
| ACCOUNT | APY * | DIVIDEND RATE | MIN BALANCE TO EARN DIVIDEND | MIN BALANCE TO OPEN |
|---|---|---|---|---|
IRA Savings | 0.50% | 0.50% | $25.00 | $10.00 |
Today's Date: 09/02/2024
*Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of August 13, 2024.
Rates shown are for new accounts opened and are subject to change after account opening. Fees may reduce earnings. After account opening, the current rate can be found within Metro iBanking and on the account statement.
Checking, Savings, and Money Market Accounts
| ACCOUNT | APY * | DIVIDEND RATE | MIN BALANCE TO EARN DIVIDEND | MIN BALANCE TO OPEN |
|---|---|---|---|---|
Membership Savings1 | 3.00% | 2.96% | $0.01 - $3,000.00 | $5.00 |
Metro Checking2 | 0.50% | 0.50% | $10,000.00 or more | $25.00 |
Membership Savings1 | 0.10% | 0.10% | $0.01 or more | $5.00 |
Christmas Club | 0.10% | 0.10% | $25.00 | $10.00 |
Vacation Club | 0.10% | 0.10% | $25.00 | $10.00 |
Online Money Market3 | 0.50% | 0.50% | $0.01 - $1,999.99 | $2,000.00 |
| 1.00% | 1.00% | $2,000.00 - $9,999.99 | - | |
| 4.35% | 4.27% | $10,000.00 or more | - | |
High Yield Savings4 | 0.50% | 0.50% | $0.01 - $9,999.99 | $10,000.00 |
| 5.00% | 4.89% | $10,000.00 or more | - | |
Prosperity Builder Savings5 | 0.50% | 0.50% | $0.01 - $5,000.00 | $5.00 |
| 0.10% | 0.10% | $5,000.01 or more | - |
Today's Date: 09/02/2024
*Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of August 13, 2024.
Rates shown are for new accounts opened and are subject to change after account opening. Fees may reduce earnings. After account opening, the current rate can be found within Metro iBanking and on the account statement.
1 Membership Savings: $5.00 minimum deposit to open. One Membership Savings per person. With a qualifying Metro Checking account, 3.00% Annual Percentage Yield (APY) will be paid on the balance in your savings account up to $3,000.00. A dividend rate of 0.10% will be paid on the remaining balance in your account that exceeds $3,000.00. For example a $3,000.00 balance in your account will earn 3.00% APY and a $4,000.00 balance in your account will earn a blended 2.28% APY. Membership Savings accounts without a qualifying Metro Checking earn 0.10% APY on all balances. A qualifying Metro Checking account meets at least three of the following criteria each month: direct deposit of at least $500.00, 5 debit card purchases of at least $1.00 each, enrollment in eCommunications, maintaining an active Metro loan or credit card, maintaining an average Metro Checking balance of at least $5,000.00. All loans subject to approval. The rate may change after account opening, is subject to change without notice and is based on daily balances. Rates may change throughout the month and will affect the monthly dividend payment. Funds earn dividends from the first business day of deposit and are compounded and paid monthly. Fees may reduce earnings.
2 Metro Checking Account: Rate is available to all Metro Checking members. The rate may vary after account opening, and is subject to change without further notice and is based on daily balances. Rates may change throughout the month and will affect the monthly dividend payment. Funds earn dividends from the first business day of deposit and are compounded and paid monthly.
3 Online Money Market: Rate shown is for new accounts opened. The rate may vary after account opening, is subject to change without notice and is based on daily balances. Rates may change throughout the month and will affect the monthly dividend payment. Funds earn dividends from the first business day of deposit and are compounded and paid monthly.
4 High Yield Savings Account (SVHA): Rate shown is for new accounts which require a minimum opening deposit of $10,000.00 in new money. To satisfy this requirement an additional $10,000.00 in external funds must be added to transfers from existing Metro Credit Union accounts. The account cannot be accessed using an ATM or Debit Card. The rate may vary after account opening, is subject to change without notice and is based on daily balances. Rates may change throughout the month and will affect the monthly dividend payment. Funds earn dividends from the first business day of deposit and are compounded and paid monthly.
5 Prosperity Builder Savings: One Prosperity Builder Savings account per person. 0.50% APY will be paid on the balance in your account up to $5,000.00. A dividend rate of 0.10% APY will be paid on the remaining balance in your account that exceeds $5,000.00. For example, a $5,000.00 balance in your account will earn 0.50% APY and a $6,000.00 balance will earn a blended rate of 0.43% APY. Funds earn dividends from the first business day of deposit and are compounded and paid monthly.
Related Content
Become a Member- Community Products
- Mortgages
- Savings Accounts
- Vehicle Loan Rates
- Gap Insurance
- Youth Accounts
Fees may apply. See the Membership Account Agreement for details. Programs, rates, terms and conditions subject to change without notice. All loans are subject to credit approval. Credit Union membership is required; members must maintain a membership account with a minimum of $5.00.
