# Metro Credit Union (Massachusetts) CD and share certificate rates

As of October 22, 2026, Metro Credit Union (Massachusetts)'s highest tracked CD (share certificate) rate is 4.40% APY on a 15-month special CD ($500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.00% to 4.30% APY.

Canonical page: https://apyledger.com/cd-rates/metro-credit-union-massachusetts
Institution: Metro Credit Union (NCUA 66364)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:33.000Z (October 22, 2026)
Official source: https://www.metrocu.org/savings-rates
Coverage: Membership required. Published certificate rates in two rate sets, with a $500 minimum to open; see the source for which set applies to your relationship. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular CD | standard | 3 months | $500 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 6 months | $500 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 9 months | $500 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| New Money CD | special | 12 months | $500 | 4.10% | Not ZIP-priced | −0.47% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 13 months | $500 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 14 months | $500 | 4.00% | Not ZIP-priced | −0.62% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| New Money CD | special | 15 months | $500 | 4.40% | Not ZIP-priced | −0.25% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 15 months | $500 | 4.30% | Not ZIP-priced | −0.35% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 17 months | $500 | 4.30% | Not ZIP-priced | −0.39% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| New Money CD | special | 18 months | $500 | 4.40% | Not ZIP-priced | −0.32% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 18 months | $500 | 4.30% | Not ZIP-priced | −0.42% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 21 months | $500 | 3.50% | Not ZIP-priced | −1.29% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| New Money CD | special | 24 months | $500 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 30 months | $500 | 3.25% | Not ZIP-priced | −1.66% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| New Money CD | special | 36 months | $500 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 36 months | $500 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| New Money CD | special | 48 months | $500 | 3.10% | Not ZIP-priced | −1.88% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 48 months | $500 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| New Money CD | special | 60 months | $500 | 3.10% | Not ZIP-priced | −1.91% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |
| Regular CD | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:23:33.000Z | [Snapshot 384](https://apyledger.com/snapshots/384) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.