Metro Credit Union | Our Rates | Deposit Rates | Metro Credit Union

By The Numbers

Deposit Rates

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Savings & Money Market

Savings Accounts

Effective 1.6.2023

ACCOUNTAPY*INTEREST RATEMIN BALANCE TO EARN INTERESTMIN BALANCE TO OPEN

Membership 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 Savings1

0.25%0.25%$0.01 - $9,999.99$10,000.00
0.25%0.25%$10,000.00 - $24,999.99-
0.30%0.30%$25,000.00 - $49,999.99-
0.40%0.40%$50,000.00 or more-

My Reward Savings2

2.00%1.98%$0.01 - $3,000.00$5.00
0.10%0.10%$3000.01 or more-

Money Market3

0.10%0.10%$0.01 - $1,999.99$2,000.00
0.15%0.15%$2,000.00 - $9,999.99-
0.20%0.20%$10,000.00 - $24,999.99-
0.25%0.25%$25,000.00 - $49,999.99-
0.25%0.25%$50,000.00 - $74,999.99-
0.30%0.30%$75,000.99 - $99,999.99-
0.30%0.30%$100,000.00 or more-

Online Money Market4

0.50%0.50%$0.01 - $1,999.99$2,000.00

New Money ONLY

1.00%1.00%$2,000.00 - $9,999.99-
3.75%3.69%$10,000.00 or more-

*Annual Percentage Yield (APY) effective 12.21.2022.

1 Annual Percentage Yield (APY) as of 10.18.2021, 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 $25.00, if the average daily balance falls below $10,000.

2 2.00% APY will be paid on the balance in your account up to $3,000. An interest rate of 0.10% will be paid on the remaining balance in your account that exceeds $3,000. For example a $3,000.01 balance in your account will earn 2.00% APY and a $4,000 balance in your account will earn 1.53% APY. $5.00 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. 3Online Money Market is New Money ONLY available for new members at MetroCU.org. Minimum opening deposit $2,000.00; minimum balance of $2,000.00 to avoid $5.00 monthly service fee.

3 Money Market: Account: Minimum opening deposit $2,000.00; minimum balance of $2,000.00 to avoid $5.00 monthly fee.

4 Online Money Market: New Money ONLY available for new members at MetroCU.org. Minimum opening deposit $2,000.00; minimum balance of $2,000.00 to avoid $5.00 monthly service fee.

Certificates of Deposit (CD)

Open a Certificate of Deposit Account

Effective 12.15.2022

ACCOUNTAPY*INTEREST RATEMIN BALANCE TO EARN INTERESTMIN BALANCE TO OPEN

3 Month Special

4.25%4.25%$0.01$500.00

6 Month Special

4.25%4.25%$0.01$500.00

9 Month Special

4.25%4.25%$0.01$500.00

12 Month Special

4.60%4.50%$0.01$500.00

13 Month Special

4.65%4.55%$0.01$500.00

15 Month Special

4.75%4.64%$0.01$500.00

18 Month Special

4.25%4.16%$0.01$500.00

24 Month Special

4.00%3.92%$0.01$500.00

3 Month

0.25%0.25%$0.01$500.00

6 Month

0.35%0.35%$0.01$500.00

9 Month

0.35%0.35%$0.01$500.00

12 Month

0.35%0.35%$0.01$500.00

18 Month

0.50%0.50%$0.01$500.00

24 Month

0.75%0.75%$0.01$500.00

30 Month

2.00%1.98%$.01$500.00

36 Month

2.00%1.98%$0.01$500.00

48 Month

2.00%1.98%$.01$500.00

60 Month

2.00%1.98%$0.01$500.00

*Annual Percentage Yield (APY) effective 12.15.2022. Rates subject to change after account opening. Fees may reduce earnings.

CD: Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts. Fees could reduce earnings on the account. Please see Metro’s Truth in Savings for Certificates of Deposit. 3, 6, 9, 12, 13, 15, 18, and 24 Month CD Specials cannot be combined with any other offer and require New Money ONLY. To satisfy this requirement, an additional $5,000 in external funds must be added to transfers from existing Metro Credit Union accounts. All CDs that roll over upon maturity will earn the base rate of interest in effect at that time. CD Specials roll into a standard CD product with a comparable term.

Individual Retirement Account (IRA)

Learn about our IRAs

Effective 1.10.2023

ACCOUNTAPY*INTEREST RATEMIN BALANCE TO EARN INTERESTMIN BALANCE TO OPEN

IRA Accumulator

0.50%0.50%$25.00$10.00

12 Months Traditional/Roth IRA CD Special

4.75%4.64%$0.01$500.00

15 Months Traditional/Roth IRA CD Special

5.00%4.88%$0.01$500.00

18 Months Traditional/Roth IRA CD Special

4.85%4.74%$0.01$500.00

24 Months Traditional/Roth IRA CD Special

4.25%4.16%$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

24 Months Traditional/Roth IRA CD

0.85%0.85%$0.01$500.00

36 Months IRA CD Traditional/Roth IRA CD

2.25%2.23%$0.01$500.00

48 Months IRA CD Traditional/Roth IRA CD

2.25%2.23%$0.01$500.00

60 Months IRA CD Traditional/Roth IRA CD

2.25%2.23%$0.01$500.00

Rates subject to change after account opening. Fees may reduce earnings.

*Annual Percentage Yield (APY).

Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts. Fees could reduce earnings on the account. Please see Metro’s Truth in Savings for Certificates of Deposit. 12, 15, 18, and 24 Month CD Specials cannot be combined with any other offer and require New Money ONLY. To satisfy this requirement an additional $5000.00 in external funds must be added to transfers from existing Metro Credit Union accounts. All CDs that roll over upon maturity will earn the base rate of interest in effect at that time. CD Specials will roll into a standard CD with a comparable term.

Related Content

Fees may apply. See the Consumer Account Fee Schedule and 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.