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Metro Credit Union Savings Account Rates
Rates effective as of 2/01/2012
Savings Account Rates
| Product Name | APY* | Interest Rate | Minimum Balance to earn interest |
| Regular Savings | 0.15% | 0.15% | $25 |
| Christmas Club | 0.15% | 0.15% | $25 |
| Vacation Club | 0.15% | 0.15% | $25 |
*Annual Percentage Yield
Savings Account rates are subject to change without notice. Dividends are compounded and paid monthly.
My Reward Savings Account Rates
| Product Name | APY* | Interest Rate | Method of Compounding | Tier Balance |
| My Reward Savings | 4.00% | 3.93% | Monthly | $0 - $3,000 |
| 0.15% | 0.15% | Monthly | Over $3,000 |
*Annual Percentage Yield as of 1/01/2012 on daily balances up to $3,000; deposits above $3,000 earn 0.15% APY. Rates are variable and subject to change after account opening. Minimum balance to open is $5. Fees may reduce earnings. Limit one savings account per person. Must be linked to My Reward Checking Account.
High Yield Savings Account Rates
| APY* | Interest Rate | Minimum Balance Requirement |
| 0.30% | 0.30% | $1.00 to under $10,000 |
| 0.40% | 0.40% | $10,000 to under $25,000 |
| 0.55% | 0.55% | $25,000 to under $50,000 |
| 0.55% | 0.55% | $50,000 or more |
*Annual Percentage Yield (APY) is a variable rate and is based on daily balances. High Yield Savings Account rates may change throughout the month and will affect the monthly interest payment. Fees may reduce earnings. High Yield Savings Accounts cannot be accessed using ATM or Debit Card. $10,000 minimum opening deposit is required. Minimum transaction of $10,000 for withdrawals. Non qualifying transaction fee of $25 each for any withdrawal under $10,000 in a statement period. APY as of 12/01/2012 but may vary after account opening and is subject to change.
Money Market Account Rates
| APY* | Interest Rate | Minimum Balance Requirement |
| 0.25% | 0.25% | $2000 to under $10,000 |
| 0.25% | 0.25% | $10,000 to under $25,000 |
| 0.35% | 0.35% | $25,000 to under $50,000 |
| 0.50% | 0.50% | $50,000 to under $75,000 |
| 0.55% | 0.55% | $75,000 or more |
*Annual Percentage Yield.
Balances below $2,000 will revert to regular savings rate. Money Market rates are subject to change without notice. Dividends are compounded and paid monthly.
Certificate of Deposit Rate Table
| Term | APY* | Rate | Minimum Balance Requirement |
| 3 Months | 0.25% | 0.25% | $500 |
| 6 Months | 0.40% | 0.40% | $500 |
| 12 Months | 0.70% | 0.70% | $500 |
| 18 Months | 0.90% | 0.90% | $500 |
| 24 Months | 1.10% | 1.09% | $500 |
| 36 Months | 1.30% | 1.29% | $500 |
| 60 Months | 1.90% | 1.88% | $500 |
*Annual Percentage Yield. Federal regulations require a penalty for early withdrawal on all time deposits.
Fees could reduce earnings. CD Rates are subject to change without notice. Terms less than 12 months earn simple interest paid at maturity. Dividends are compounded daily and paid monthly on terms greater than 12 months.
IRA Rate Table
| Product | APY* | Interest rate | Minimum Balance Requirement |
| IRA Accumulator | 1.00% | 1.00% | $10/Week |
| Roth, Education Accumulator | 1.00% | 1.00% | $10/Week |
*Annual Percentage Yield.
IRA Account rates are subject to change without notice. Dividends are compounded daily and paid monthly.
IRA Certificate of Deposit Rate Table
| Term | APY* | Rate | Minimum Balance Requirement |
| 12 Months | 1.00% | 1.00% | $500 |
| 18 Months | 1.05% | 1.04% | $500 |
| 24 Months | 1.20% | 1.19% | $500 |
| 36 Months | 1.50% | 1.49% | $500 |
| 60 Months | 2.00% | 1.98% | $500 |
*Annual Percentage Yield. Federal regulations require a penalty for early withdrawal on all time deposits.
Fees could reduce earnings. IRA CD rates are subject to change without notice. Dividends are compounded daily and paid monthly.
