By The Numbers

Deposit Rates

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New Money Certificate of Deposit

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These CDs are for NEW MONEY ONLY and accurate as of November 4, 2023.

NEW MONEY CDS APY *INTEREST RATE MIN BALANCE TO EARN INTEREST MIN BALANCE TO OPEN

3 Month CD

4.50%4.50%$0.01$500.00

6 Month CD

4.50%4.50%$0.01$500.00

9 Month CD

4.25%4.25%$0.01$500.00

12 Month CD

4.50%4.40%$0.01$500.00

13 Month CD

4.50%4.40%$0.01$500.00

15 Month CD

4.55%4.45%$0.01$500.00

17 Month CD

4.55%4.45%$0.01$500.00

18 Month CD

5.65%5.50%$0.01$500.00

24 Month CD

5.35%5.22%$0.01$500.00

Today's Date: 12/01/2023

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.

*Annual Percentage Yield (APY) is accurate as of November 4, 2023.

Certificate of Deposit: Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts.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. New Money CDs cannot be combined with any other offer and require New Money Only. To satisfy this requirement, an additional $5,000.00 in external funds must be added to transfers from existing Metro Credit Union accounts. All CDs that roll over upon maturity will earn the rate of interest in effect at that time. 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.

New Money Traditional/Roth IRA Certificate of Deposit

Learn about our IRAs

These IRA CDs are for NEW MONEY ONLY and accurate as of November 4, 2023. Please visit any Metro location to open.

NEW MONEY CDS APY *INTEREST RATE MIN BALANCE TO EARN INTEREST MIN BALANCE TO OPEN

12 Months Traditional / Roth IRA CD

4.60%4.50%$0.01$500.00

15 Months Traditional / Roth IRA CD

4.65%4.55%$0.01$500.00

18 Months Traditional / Roth IRA CD

5.75%5.59%$0.01$500.00

24 Months Traditional / Roth IRA CD

5.45%5.31%$0.01$500.00

Today's Date: 12/01/2023

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.

*Annual Percentage Yield (APY) is accurate as of November 4, 2023.

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. New Money CDs cannot be combined with any other offer and require New Money Only. To satisfy this requirement, an additional $5,000.00 in external funds must be added to transfers from existing Metro Credit Union accounts. All CDs that roll over upon maturity will earn the rate of interest in effect at that time. 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.

Certificates of Deposit

Open a Certificate of Deposit Account

Accurate as of November 4, 2023.

REGULAR CDS APY *INTEREST RATE MIN BALANCE TO EARN INTEREST MIN BALANCE TO OPEN

3 Month CD

0.25%0.25%$0.01$500.00

6 Month CD

0.35%0.35%$0.01$500.00

9 Month CD

0.35%0.35%$0.01$500.00

12 Month CD

0.35%0.35%$0.01$500.00

14 Month CD

0.45%0.45%$0.01$500.00

18 Month CD

0.50%0.50%$0.01$500.00

21 Month CD

0.75%0.75%$0.01$500.00

24 Month CD

0.75%0.75%$0.01$500.00

30 Month CD

3.25%3.20%$0.01$500.00

36 Month CD

3.00%2.96%$0.01$500.00

48 Month CD

3.00%2.96%$0.01$500.00

60 Month CD

3.00%2.96%$0.01$500.00

Today's Date: 12/01/2023

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.

*Annual Percentage Yield (APY) is accurate as of November 4, 2023.

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. New Money CDs cannot be combined with any other offer and require New Money Only. To satisfy this requirement, an additional $5,000.00 in external funds must be added to transfers from existing Metro Credit Union accounts. All CDs that roll over upon maturity will earn the rate of interest in effect at that time. 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.

Traditional/Roth IRA Certificates of Deposit

Learn about our IRAs

Accurate as of November 4, 2023. Please visit any Metro location to open.

REGULAR CDS APY *INTEREST RATE MIN BALANCE TO EARN INTEREST MIN BALANCE TO OPEN

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

3.10%3.05%$0.01$500.00

48 Months IRA CD Traditional/Roth IRA CD

3.10%3.05%$0.01$500.00

60 Months IRA CD Traditional/Roth IRA CD

3.10%3.05%$0.01$500.00

Today's Date: 12/01/2023

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.

*Annual Percentage Yield (APY) is accurate as of November 4, 2023.

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. New Money CDs cannot be combined with any other offer and require New Money Only. To satisfy this requirement, an additional $5,000.00 in external funds must be added to transfers from existing Metro Credit Union accounts. All CDs that roll over upon maturity will earn the rate of interest in effect at that time. 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.

Money Market Accounts

Accurate as of November 4, 2023.

PRODUCT APY *INTEREST RATE MIN BALANCE TO EARN INTEREST MIN BALANCE TO OPEN

Online Money Market

0.50%0.50%$0.01 - $1,999.99$2,000.00
1.00%1.00%$2,000.00 - $9,999.99-
4.35%4.27%$10,000.00 or more-

Today's Date: 12/01/2023

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.

*Annual Percentage Yield (APY) is accurate as of November 4, 2023.

Online Money Market Account: Rate shown is for new accounts opened. Minimum opening deposit $2,000.00; minimum balance of $2,000.00 to avoid $5.00 monthly service fee. 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 interest payment. Funds earn dividends from the first business day of deposit and are compounded and paid monthly.

Savings Accounts

Savings Accounts

Accurate as of November 4, 2023.

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

Membership Savings

0.10%0.10%$25.00$5.00

IRA Savings

0.50%0.50%$25.00$10.00

Christmas Club

0.10%0.10%$25.00$10.00

Vacation Club

0.10%0.10%$25.00$10.00

My Reward Savings1

2.00%1.98%$0.01 - $3,000.00$5.00
0.10%0.10%$3,000.01 or more-

High Yield Savings

0.50%0.50%$0.01 - $9,999.99$10,000.00

New Money to Open

5.00%4.89%$10,000.00 or more-

Today's Date: 12/01/2023

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.

*Annual Percentage Yield (APY) is accurate as of November 4, 2023.

1 My Reward Savings Account: $5.00 minimum deposit to open. One My Reward Savings per person and must be linked to My Reward Checking. 2.00% APY will be paid on the balance in your account up to $3,000.00. An interest rate of 0.10% will be paid on the remaining balance in your account that exceeds $3,000.00. For example a $3,000.01 balance in your account will earn 2.00% APY and a $4,000.00 balance in your account will earn 1.53% APY. 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 interest payment. Funds earn dividends from the first business day of deposit and are compounded and paid monthly.

2 High Yield Savings Account: Rate shown is for new accounts which require a minimum opening deposit of $10,000.00 in New Money. To satisfy the requirement an additional $10,000.00 in external funds must be added to transfers from existing Metro Credit Union accounts. The account cannot be accessed using an 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 interest payment. 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.