CDs & IRAs

We can make it easier for you to start saving for tomorrow, today. Certificate and IRAs are flexible and offer higher interest rates. Whether your goal is to save money for a future expense, boost your retirement savings, or move money from an investment elsewhere, Metro CDs and IRAs are the perfect way to save and earn more.

Certificates of Deposit (CDs)

  • Lock in a guaranteed rate over a fixed period of time.
  • Terms from 3 months to 5 years.
  • Low $500 minimum to open.
Open an Account

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Individual Retirement Accounts (IRAs)

Whether you're saving weekly or have a lump sum annual contribution, Metro offers a wide range of IRA options to meet your needs.

IRA Accumulator

Metro's IRA Accumulator makes saving easy with weekly, bi-weekly, or monthly contributions to your IRA. This convenient method spreads your IRA contribution over the entire year, helping you to save regularly. Only $10 to open a Traditional or Roth IRA.

IRA Certificate of Deposit

Lock in a lump sum contribution at a higher rate of interest with an IRA Certificate of Deposit. Choose Traditional or Roth; terms from one to five years. Open with as little as $500.

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Traditional IRA

Traditional IRAs are powerful tools in creating a balanced, long-term savings plan that will help provide safety and security for you and your family for years to come. Contributions may be deducted from your taxable income, reducing the income taxes you pay now.

Choose a Traditional IRA if you want the tax deduction* right now. It also makes sense if you anticipate paying taxes at a significantly lower rate in retirement.

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Roth IRA

A Roth IRA offers members an easy and safe way to plan for the future. Your contributions are not tax-deductible, but the earnings within a Roth IRA are tax-free as long as your funds have been in the account for at least five years and you are either over age 59½, disabled, or buying your first home.

Choose a Roth IRA if you don't need the tax break right now. It's a more flexible investment because you can withdraw regular contributions at any time, tax-free and penalty-free. Plus, there's no mandatory distribution at age 70½.

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*Consult a tax professional.