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Source: https://www.metrocu.org/savings-rates
Read: 2026-10-22T16:23:33.000Z

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CDS | APY * | INTEREST RATE | MINIMUM BALANCE TO EARN INTEREST | MIN BALANCE TO OPEN
3 Months | 3.25 % | 3.25 % | $0.01 | $500.00
6 Months | 3.25 % | 3.25 % | $0.01 | $500.00
9 Months | 4.00 % | 4.00 % | $0.01 | $500.00
12 Months | 4.00 % | 3.92 % | $0.01 | $500.00
13 Months | 4.00 % | 3.92 % | $0.01 | $500.00
14 Months | 4.00 % | 3.92 % | $0.01 | $500.00
15 Months | 4.30 % | 4.21 % | $0.01 | $500.00
17 Months | 4.30 % | 4.21 % | $0.01 | $500.00
18 Months | 4.30 % | 4.21 % | $0.01 | $500.00
21 Months | 3.50 % | 3.44 % | $0.01 | $500.00
24 Months | 3.50 % | 3.44 % | $0.01 | $500.00
30 Months | 3.25 % | 3.20 % | $0.01 | $500.00
36 Months | 3.25 % | 3.20 % | $0.01 | $500.00
48 Months | 3.00 % | 2.96 % | $0.01 | $500.00
60 Months | 3.00 % | 2.96 % | $0.01 | $500.00
*Annual Percentage Yield (APY) is accurate as of 09/24/2026.
CDS | APY * | INTEREST RATE | MINIMUM BALANCE TO EARN INTEREST | MIN BALANCE TO OPEN
12 Months | 4.10 % | 4.02 % | $0.01 | $500.00
15 Months | 4.40 % | 4.31 % | $0.01 | $500.00
18 Months | 4.40 % | 4.31 % | $0.01 | $500.00
24 Months | 3.60 % | 3.54 % | $0.01 | $500.00
36 Months | 3.35 % | 3.30 % | $0.01 | $500.00
48 Months | 3.10 % | 3.05 % | $0.01 | $500.00
60 Months | 3.10 % | 3.05 % | $0.01 | $500.00
*Annual Percentage Yield (APY) is accurate as of 09/24/2026.
ACCOUNT | APY * | DIVIDEND RATE | MIN BALANCE TO EARN DIVIDEND | MIN BALANCE TO OPEN
IRA Savings | 0.50 % | 0.50 % | $25.00 | $10.00
*Annual Percentage Yield (APY) is accurate as of 07/28/2026.
ACCOUNT | APY * | DIVIDEND RATE | MIN BALANCE TO EARN DIVIDEND | MIN BALANCE TO OPEN
Membership Savings 1 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 Checking 2 | 0.50 % | 0.50 % | $10,000.00 or more | $25.00
Membership Savings 1 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 Savings 3 | 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 Savings5 | 0.50 % | 0.50 % | $0.01 - $5,000.00 | $5.00
0.10 % | 0.10 % | $5,000.01 or more | -
*Annual Percentage Yield (APY) is accurate as of 07/15/2025.
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.
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.