Credit union · NCUA insured
Greater Metro Federal Credit Union CD Rates
Greater Metro Federal Credit Union’s best CD rate is 4.45% APY on a 22-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Greater Metro Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Greater Metro Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Metro Federal Credit Union
4.45%APY
- Term
- 22 months
- Minimum
- $5,000
- Earns on $10,000
- $831
Share Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Greater Metro Federal Credit Union CD score
93
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo2.28%
- 9–15 months9–15 mo4.34%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo3.82%
- QualifiedQualified4.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Greater Metro Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.45%APY · 9 terms
Minimum amount required to purchase a share certificate is $500.00. Dividends are compounded daily and credited monthly. Early withdrawals are subject to penalty which may reduce principal.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty is 30 days of dividends | 1.76% | — | 1.76% | $44 |
| 6 monthsEarly withdrawal penalty is 30 days of dividends | 2.28% | — | 2.28% | $113 |
| 12 monthsEarly withdrawal penalty is 30 days of dividends | 3.56% | — | 3.56% | $356 |
| 15 monthsRequires a minimum of $5,000 in New Money not previously on deposit with Greater Metro FCU at opening or renewing | — | 4.34% | 4.34% | $545 |
| 22 monthsRequires a minimum of $5,000 in New Money not previously on deposit with Greater Metro FCU at opening or renewing | — | 4.45% | 4.45% | $831 |
| 24 monthsEarly withdrawal penalty is 60 days of dividends | 4.08% | — | 4.08% | $833 |
| 36 monthsEarly withdrawal penalty is 90 days of dividends | 3.56% | — | 3.56% | $1,106 |
| 48 monthsEarly withdrawal penalty is 120 days of dividends | 3.82% | — | 3.82% | $1,618 |
| 60 monthsEarly withdrawal penalty is 150 days of dividends | 3.05% | — | 3.05% | $1,621 |
Sources (2)
- greatermetrofcu.org/products/s…ments/share-certificates
- greatermetrofcu.org/rates/current-dividend-rates
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.45%APY · 9 terms
Share Certificates are available as IRA investments. Can be opened with a minimum investment of $500.00. Early withdrawals incur penalties.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty is 30 days of dividends | 1.76% | — | 1.76% | $44 |
| 6 monthsEarly withdrawal penalty is 30 days of dividends | 2.28% | — | 2.28% | $113 |
| 12 monthsEarly withdrawal penalty is 30 days of dividends | 3.56% | — | 3.56% | $356 |
| 15 monthsRequires a minimum of $5,000 in New Money not previously on deposit with Greater Metro FCU at opening or renewing | — | 4.34% | 4.34% | $545 |
| 22 monthsRequires a minimum of $5,000 in New Money not previously on deposit with Greater Metro FCU at opening or renewing | — | 4.45% | 4.45% | $831 |
| 24 monthsEarly withdrawal penalty is 60 days of dividends | 4.08% | — | 4.08% | $833 |
| 36 monthsEarly withdrawal penalty is 90 days of dividends | 3.56% | — | 3.56% | $1,106 |
| 48 monthsEarly withdrawal penalty is 120 days of dividends | 3.82% | — | 3.82% | $1,618 |
| 60 monthsEarly withdrawal penalty is 150 days of dividends | 3.05% | — | 3.05% | $1,621 |
Sources (2)
- greatermetrofcu.org/products/savings-investments/iras
- greatermetrofcu.org/rates/current-dividend-rates
All captured Oct 16, 2026
Who can join Greater Metro Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to employees of participating select groups and employers.
Family and household
- Immediate family members (spouse, children, parents, brothers, sisters, grandparents, and grandchildren) and household members sharing living expenses with a credit union member are eligible to join.
- Membership is open to spouses of deceased members, credit union employees and their family members, retirees/pensioners/annuitants from qualifying employment and their immediate family/household, and organizations of such persons.
Cost to join
- Joining requires depositing a minimum of $5.00 in a Share Account (via cash or payroll deduction), with no joining fee or dues.
Membership information collected October 5, 2026.