Personal Banking Rates

Rates effective as of 03/18/2020
 

Savings

ProductAPY*Interest RateMinimum Balance
to Earn APY		Minimum Balance
to Open
Membership Savings Account0.10%0.10%$25.00$5.00
Christmas Club0.10%0.10%$25.00$10.00
Vacation Club0.10%0.10%$25.00$10.00
Prosperity Builder Savings**
Up to $5,000.00		0.50%0.50%$5.00
Over $5,000.00
0.10%0.10%$5.00
*Annual Percentage Yield. Rates are variable and subject to change after account opening without notice. Fees may reduce earnings. Dividends are compounded and paid monthly. Membership Savings Account/Secondary Savings accounts have a low balance fee of $2 if the month end balance is less than $150, and there is no associated loan product.
**Annual Percentage Yield (APY) Earn 0.50% APY on balances up to $5,000.00 and 0.10% APY on balances greater than $5,000.00. For example: $5,000.01 earns 0.50% APY and a $10,000.00 balance earns 0.30% APY. One Prosperity Builder Savings Account per person. Funds earn dividends from the business day of deposit and are compounded and paid monthly.

My Rewards Savings

Tier BalanceAPY*Interest Rate
Up to $3,0002.00%1.98%
Over $3,0000.10%0.10%
*Annual Percentage Yield. 2.00% APY will be paid on the balance up to the first $3,000. An interest rate of 0.10% will be paid on the remaining balance that exceeds $3000 with a $3000.01 earning a 2.00% APY and a $1000 balance in your account that exceeds $3,000. As an example, with a balance of $4000 a 1.53%APY will be paid.  
 
$5 minimum deposit to open. One My Reward Savings per person and must be linked to My Reward Checking. Rates may change after account opening. Funds earn dividends from the first business day of deposit and are compounded and paid monthly. Fees may reduce earnings. Refer to Metro’s Truth in Savings Disclosure and Fee Schedule.
  

High Yield Savings

Tier BalanceAPY*Interest Rate
Up to $9,999.990.25%0.25%
$10,000 to $24,999.990.30%0.30%
$25,000 to $49,999.990.35%0.35%
$50,000 or more0.50%0.50%
*Annual Percentage Yield (APY) as of 3.18.20, but may vary after account opening, is subject to change and is based on daily balances. Rates may change throughout the month and will affect the monthly interest payment. Fees may reduce earnings. Accounts cannot be accessed using ATM or Debit Card. $10,000 minimum opening deposit is required. Low balance fee of $25, if at any time during the month the end of day balance falls below $10,000. (New Money ONLY.)

Money Market Accounts

ProductAPY*Interest RateTier Balance to Earn APYMinimum to Open
Money Market Account**0.15%0.15%$2,000 to under $10,000$2,000
$10,000 to under $25,000
0.20%0.20%$10,000 to under $25,000
$25,000 to under $50,000
0.25%0.25%$25,000 to under $50,000
$50,000 to under $75,000
0.30%0.30%$50,000 to under $75,000
$75,000 or more
0.35%0.35%$75,000 or more
Online Money Market***
New Money ONLY		0.60%0.60%$10,000.00 and above$2,000
Under $10,000
0.15%0.15%Under $10,000.00
*Annual Percentage Yield.
**Rates are variable and subject to change after account opening without notice.  Dividends are compounded and paid monthly. Fees may reduce earnings. Balances below $2,000 will revert to Membership Savings Account rate. Minimum balance to open is $2,000. Low balance fee of $5 if month end balance is less than $2,000 and there is no associated loan product.
***Annual Percentage Yield (APY) as of 3.18.20, but may vary after account opening, and is subject to change and based on daily balances. This is a variable rate account and rates may change throughout the month and will affect the monthly interest payment. Minimum of $2,000 to open. On daily balances below $2,000, rate will be comparable to the Membership Savings Account rate. Low balance fee of $5.00 if month end balance is less than $2,000 and no associated loan product. Fees may reduce earnings. This account can only be opened online. New money only.

Certificates of Deposit

ProductAPY*Interest RateMinimum Balance to Earn APYMinimum to Open
3 months0.25%0.25%$0.01$500.00
6 months0.35%0.35%$0.01$500.00
9 months0.35%0.35%$0.01$500.00
12 months0.35%0.35%$0.01$500.00
12 months - SPECIAL** 0.75%0.75%$0.01$500.00
18 months0.50%0.50%$0.01$500.00
18 months - SPECIAL** 0.90%0.90%$0.01$500.00
24 months 0.75%0.75%$0.01$500.00
24 months - SPECIAL**1.05%1.04%$0.01$500.00
36 months1.15%1.14%$0.01$500.00
60 months1.25%1.24%$0.01$500.00
*Annual Percentage Yield.
**CANNOT BE OPENED ONLINE.
CD Rates are subject to change without notice. Fees could reduce earnings. Terms less than 12 months earn simple interest paid at maturity.  Dividends are compounded daily and paid monthly on terms greater than 12 months. Federal regulations require a penalty for early withdrawal on all time deposits.
 

IRAs

Product NameAPY*Interest RateMin. Balance to Earn APYMin. Balance to Open
IRA Accumulator0.50%0.50%$25.00$10.00
Roth & Accumulator0.50%0.50%$25.00$10.00
*Annual Percentage Yield. Rates are variable and subject to change after account opening without notice.  Minimum balance to open is $10.00. Minimum to earn interest is $25.00. Fees may reduce earnings. Dividends are compounded daily and paid monthly.

IRA CDs

TermAPY*Interest RateMin. Balance to
Earn APY		Min. Balance to Open
12 Months Traditional/Roth0.45%0.45%$0.01$500.00
12 Months Traditional/Roth Special0.85%0.85%$0.01$500.00
18 Months Traditional/Roth0.60%0.60%$0.01$500.00
18 Months Traditional/Roth Special1.00%1.00%$0.01$500.00
20 Months Traditional/Roth0.85%0.85%$0.01$500.00
24 Months Traditional/Roth0.85%0.85%$0.01$500.00
24 Months Traditional/Roth Special1.15%1.14%$0.01$500.00
36 Months Traditional/Roth1.25%1.24%$0.01$500.00
60 Months Traditional/Roth1.35%1.34%$0.01$500.00
*Annual Percentage Yield. IRA CD rates are subject to change without notice. Fees could reduce earnings. Dividends are compounded daily and paid monthly. Federal regulations require a penalty for early withdrawal on all time deposits.