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Savings Accounts

There's more than one way to save.

We have options to get you where you want to be, whether you're just starting out, a seasoned saver, or working towards a specific goal.

Membership Savings

  • The key to unlocking your membership benefits with Metro
  • Only $5.00 required as your member share amount
Open Now

My Reward Savings

  • Pays a higher rate of interest on balances up to $3,000.00
  • Account must be linked to My Reward Checking
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High Yield Savings

  • The more you save, the more you earn
  • Premium rates on balances of $10,000.00 or more
Open Now

Club Accounts

  • Put money away for Christmas or a vacation...or both
  • With automated deposits, you'll never miss the money you save
  • Funds are distributed on October 1 for the Christmas Club and May 1 for the Vacation Club
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Money Market Account

  • Enjoy a higher rate on your savings
  • Easy access to your funds by check or ATM
Open Now

Savings Builder

  • Build your investment foundation
  • Start with as little as $10.00
  • When your balance reaches $500.00, it automatically converts to a 12 month CD
  • For every $500.00 you save, another 12 month CD is opened
Open Now

Certificate of Deposit

  • Lock in a guaranteed rate over a fixed period of time
  • Low minimum investment of $500.00
  • Terms from 3 months to 5 years
  • Interest is compounded daily and paid monthly for terms 1 year or greater
  • Terms less than 1 year earn simple interest
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Questions? We have answers.

By the Numbers

Effective 1.4.2021

ProductAPY1Interest RateMin Balance to Earn InterestMin Balance to Open

Membership Savings Account

0.10%0.10%$25.00$5.00

Christmas Club

0.10%0.10%$25.00$10.00

Vacation Club

0.10%0.10%$25.00$10.00

IRA Accumulator

0.50%0.50%$25.00$10.00

Roth IRA

0.50%0.50%$25.00$10.00
1

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 $2.00 if the average daily balance falls below $150.00, and there is no associated loan product.

Certificates of Deposit

Effective 1.4.2021

ProductAPY1Interest RateMin Balance to Earn InterestMin Balance to Open

3 Months

0.25%0.25%$0.01$500.00

6 Months

0.50%0.35%$0.01$500.00

9 Months

0.35%0.35%$0.01$500.00

12 Months

0.35%0.35%$0.10$500.00

18 Months

0.50%0.50%$0.01$500.00

24 Months

0.75%0.75%$0.01$500.00

36 Months

0.95%0.95%$0.01$500.00

60 Months

1.05%1.04%$0.01$500.00

12 Month CD Special*

0.50%0.50%$0.10$500.00

18 Month Special*

0.60%0.60%$0.01$500.00

24 Month CD Special*

0.85%0.85%$0.01$500.00

12 Months Traditional/Roth IRA CD

0.45%0.45%$0.01$500.00

18 Months Traditional/Roth IRA CD

0.60%0.60%$0.01$500.00

20 Months Traditional/Roth IRA CD

0.85%0.85%$0.01$500.00

24 Months Traditional/Roth IRA CD

0.85%0.85%$0.01$500.00

36 Months Traditional/Roth IRA CD

1.05%1.04%$0.01$500.00

60 Months Traditional/Roth IRA CD

1.15%1.14%$0.01$500.00

12 Months Traditional/Roth Special IRA CD

0.60%0.60%$0.01$500.00

18 Months Traditional/Roth Special IRA CD

0.70%0.70%$0.01$500.00

24 Months Traditional/Roth Special IRA CD

0.95%0.95%$0.01$500.00
1

Annual Percentage Yield. 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.

*Cannot be opened online.

Fees may apply. See the Consumer Account Fee Schedule and the Membership Account Agreement for details.