Credit union · NCUA insured
Metro Credit Union CD Rates
Metro Credit Union’s best CD rate is 3.45% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Metro Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MO, where Metro Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Metro Credit Union
3.45%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,848
Share Certificates (CD)
Top rate
OMB Bank
4.65%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $828
2nd-highest rate
Guaranty Bank
4.49%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $373
Metro Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo1.61%
- 9–15 months9–15 mo3.09%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.45%
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 Metro 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 Certificates (CD)
Up to 3.45%APY · 6 terms
Federally insured up to $250,000 by the NCUA. Penalty may apply for early withdrawal. Features automatic renewal at maturity.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsMinimum amount for deposit is $1,000. Early withdrawal penalty may apply | — | 1.21% | 1.21% | $30 |
| 6 monthsMinimum amount for deposit is $1,000. Early withdrawal penalty may apply | — | 1.61% | 1.61% | $80 |
| 12 monthsMinimum deposit is $500. Early withdrawal penalty may apply | 3.09% | — | 3.09% | $309 |
| 24 monthsMinimum deposit is $500. Early withdrawal penalty may apply | 3.30% | — | 3.30% | $671 |
| 36 monthsMinimum deposit is $500. Early withdrawal penalty may apply | 3.40% | — | 3.40% | $1,055 |
| 60 monthsMinimum deposit is $500. Early withdrawal penalty may apply | 3.45% | — | 3.45% | $1,848 |
Sources (3)
- open.metro.coop/products
- metro.coop/interest-rates
- metro.coop/banking-services/sa…ounts/share-certificates
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificates (IRA CD)
Up to 3.45%APY · 4 terms
Federally Insured by NCUA. Penalty may apply for early withdrawal. Minimum amount for deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum amount for deposit is $500. A penalty may apply for early withdrawal | 3.09% | $309 |
| 24 monthsMinimum amount for deposit is $500. A penalty may apply for early withdrawal | 3.30% | $671 |
| 36 monthsMinimum amount for deposit is $500. A penalty may apply for early withdrawal | 3.40% | $1,055 |
| 60 monthsMinimum amount for deposit is $500. A penalty may apply for early withdrawal | 3.45% | $1,848 |
Sources (1)
- metro.coop/interest-rates · captured Sep 17, 2026
Who can join Metro Credit Union
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