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By The Numbers

Deposit Rates

Accurate as of November 5, 2025.

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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

3.75%3.75%$0.01$500.00

6 Months

3.75%3.75%$0.01$500.00

9 Months

3.75%3.75%$0.01$500.00

12 Months

4.15%4.07%$0.01$500.00

13 Months

3.75%3.68%$0.01$500.00

14 Months

3.75%3.68%$0.01$500.00

15 Months

3.75%3.68%$0.01$500.00

17 Months

3.65%3.59%$0.01$500.00

18 Months

3.65%3.59%$0.01$500.00

21 Months

3.65%3.59%$0.01$500.00

24 Months

3.65%3.59%$0.01$500.00

30 Months

3.65%3.59%$0.01$500.00

36 Months

3.65%3.59%$0.01$500.00

48 Months

3.65%3.59%$0.01$500.00

60 Months

3.65%3.59%$0.01$500.00

Today's Date: 11/22/2025

*Annual Percentage Yield (APY) is accurate as of the last interest declaration date of November 5, 2025.

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Certificate of Deposit: Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts.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

4.25%4.16%$0.01$500.00

15 Months

3.85%3.78%$0.01$500.00

18 Months

3.75%3.68%$0.01$500.00

24 Months

3.75%3.68%$0.01$500.00

36 Months

3.75%3.68%$0.01$500.00

48 Months

3.75%3.68%$0.01$500.00

60 Months

3.75%3.68%$0.01$500.00

Today's Date: 11/22/2025

*Annual Percentage Yield (APY) is accurate as of the last interest declaration date of November 5, 2025.

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: 11/22/2025

*Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of September 9, 2025.

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 and High Yield Savings

ACCOUNT APY *DIVIDEND RATE MIN BALANCE TO EARN DIVIDEND MIN BALANCE TO OPEN

Membership Savings1
with qualifying Metro Checking

3.00%2.96%$0.01 - $3,000.00$5.00
0.10%0.10%$3,000.01 or more-

Metro Checking2

0.50%0.50%$10,000.00 or more$25.00

Membership Savings1
without qualifying Metro Checking

0.10%0.10%$0.01 or more$5.00

Secondary Savings

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

High Yield Savings3

0.75%0.75%$0.01 - $9,999.99$10,000.00
3.25%3.20%$10,000.00 - $1,000,000.00-
3.15%3.11%$1,000,000.01 or more-

Prosperity Builder Savings4

0.50%0.50%$0.01 - $5,000.00$5.00
0.10%0.10%$5,000.01 or more-

Today's Date: 11/22/2025

*Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of July 15, 2025.

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 Account with qualifying Metro Checking Account: Each member is allowed one Membership Savings. Additional Membership Savings accounts opened will be converted to a Secondary Savings. $5.00 minimum deposit to open. One Membership Savings per person. With a qualifying Metro Checking account, 3.00% APY will be paid on the balances 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 balance in your account will earn a blended rate of 2.28% APY. Membership Savings accounts without a qualifying Metro Checking earn a dividend rate of 0.10% on all balances. A qualifying Metro Checking account meets at least three of the following criteria each month: (1) direct deposit of at least $500.00; (2) 5 debit card purchases of at least $1.00 each; (3) enrollment in eCommunications; (4) maintaining an active Metro loan or credit card; (5) 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 High Yield Savings Account (SVHA): The account cannot be accessed using and 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.

4 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

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.