By The Numbers

Deposit Rates

Savings & Money Market

Savings Accounts

Effective 10.18.2021

AccountAPY1Interest 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 Savings2

0.25%0.25%Up to $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 Savings3

2.00%1.98%Up to $3,000.00$5.00
0.10%0.10%Over $3,000.00-

Money Market Checking4

0.15%0.15%$2,000.00 - $9,999.99$2,000.00
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%$75,000.00 or more-
0.30%0.30%$100,000.00 or more-
1

Annual Percentage Yield (APY)

2 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, if the
average daily balance falls below $10,000. (New Money ONLY).

3 Annual Percentage Yield. 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 with a $3,000.01 balance in your account earning 2.00% APY and a $4,000 balance in your account earning 1.53% APY, as examples. $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.

4 On average daily balances below $2,000, rate will be comparable to the regular savings rate. Low balance fee of $5.00 if average daily balance is less than $2,000 and no associated loan
product.

Certificates of Deposit

Open a Certificate of Deposit Account

Effective 4.14.2022

Account*APY1Interest RateMin Balance to Earn InterestMin Balance to Open

3 Months

0.25%0.25%$0.01$500.00

6 Months

0.35%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 Special**

0.50%0.50%$0.10$500.00

15 Month Special**

1.15%1.14%$0.01$500.00

18 Month Special**

1.25%1.24%$0.01$500.00

24 Month Special**

1.35%1.34%$0.01$500.00
1

Annual Percentage Yield (APY). Rates subject to change after account opening. Fees may 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 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 opened online, and cannot be combined with any other offer. 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. Account requires new money only; an additional $5,000.00 must be added to funds transferred from existing Metro Credit Union accounts to satisfy this requirement. If the CD is rolled over upon maturity it will earn the base rate of interest in effect at that time.

Individual Retirement Account (IRA)

Learn about our IRAs

Effective 4.14.2022

Account*APY1Interest RateMin Balance to Earn InterestMin Balance to Open

Roth IRA

0.50%0.50%$25.00$10.00

IRA Accumulator

0.50%0.50%$25.00$10.00

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

36 Months Traditional/Roth IRA CD

1.10%1.09%$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**

0.75%0.75%$0.01$500.00

15 Months Traditional/Roth Special IRA CD**

1.40%1.39%$0.01$500.00

18 Months Traditional/Roth Special IRA CD**

1.50%1.49%$0.01$500.00

24 Months Traditional/Roth Special IRA CD**

1.60%1.59%$0.01$500.00
1

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

* Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all IRA 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 IRA CD Specials cannot be opened online, and cannot be combined with any other offer. NEW MONEY ONLY.

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.