Credit union · NCUA insured
Metro Credit Union Savings Rates
Metro Credit Union’s best savings rate is 5.09% APY on $10,000, with its Accidental Savings. Rates checked October 16, 2026.
How Metro Credit Union’s savings 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
5.09%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $509
Accidental Savings
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
3rd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Metro Credit Union savings score
99
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0004.06%
- $10,000 balance$10,0005.09%
- $100,000 balance$100,0005.09%
- QualifiedQualified5.09%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Accidental Savings
5.09%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier 1 rate. Dividend rates are subject to change. | 4.06% | — | Tier 1 rate. Dividend rates are subject to change. |
| Over $2,500Tier 2 rate. Dividend rates are subject to change. | 5.09% | $509 | Tier 2 rate. Dividend rates are subject to change. |
Sources (1)
- metro.coop/interest-rates · captured Sep 17, 2026
Money Market Account
0.75%APY
Interest is paid on a monthly basis. $2,500 monthly minimum balance must be maintained to earn dividends. $10 monthly fee applies if balance falls below $2,500. Limit of 6 transactions per month free of charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMust maintain a $2,500 monthly minimum balance to earn dividends; $10 monthly service fee if balance falls below $2,500. Minimum deposit amount is $2,500.$2,500 and up | 0.75% | $75 | Must maintain a $2,500 monthly minimum balance to earn dividends; $10 monthly service fee if balance falls below $2,500. Minimum deposit amount is $2,500. |
Sources (2)
All captured Sep 17, 2026
Digelopes
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum amount for deposit is $500. Dividend rates are subject to change.Any balance | 0.10% | $10 | Minimum amount for deposit is $500. Dividend rates are subject to change. |
Sources (1)
- metro.coop/interest-rates · captured Sep 17, 2026
Savings (Share)
0.10%APY
Establishes membership in Metro Credit Union by depositing and maintaining a minimum balance of $20.00. Competitive rates paid quarterly on all balances over $100. Limit of 5 withdrawals per month free of charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum amount for deposit is $500. Dividend rates are subject to change. Rates paid quarterly on balances over $100.Any balance | 0.10% | $10 | Minimum amount for deposit is $500. Dividend rates are subject to change. Rates paid quarterly on balances over $100. |
Sources (4)
- open.metro.coop/products
- metro.coop/banking-services
- metro.coop/interest-rates
- metro.coop/banking-services/savings-accounts
All captured Sep 17, 2026
Special-purpose accounts
IRA Savings
4.06%APY
Offers Traditional and Roth options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum amount for deposit is $500. Dividend rates are subject to change.Any balance | 4.06% | $406 | Minimum amount for deposit is $500. Dividend rates are subject to change. |
Sources (2)
All captured Sep 17, 2026
Christmas Club
1.00%APY
Membership required. No minimum balance required. Withdrawals restricted until October and subject to a $10 fee prior to maturity. Automatic disbursal of funds occurs each October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum amount for deposit is $500. No minimum balance required. Withdrawals subject to $10 fee prior to maturity in October.Any balance | 1.00% | $100 | Minimum amount for deposit is $500. No minimum balance required. Withdrawals subject to $10 fee prior to maturity in October. |
Sources (3)
- metro.coop/interest-rates
- metro.coop/banking-services/savings-accounts
- metro.coop/banking-services/sa…-accounts/christmas-club
All captured Sep 17, 2026
Health Savings
0.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum amount for deposit is $500. Dividend rates are subject to change.Any balance | 0.75% | $75 | Minimum amount for deposit is $500. Dividend rates are subject to change. |
Sources (1)
- metro.coop/interest-rates · captured Sep 17, 2026
Youth Accounts
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum amount for deposit is $500. Dividend rates are subject to change.Any balance | 0.10% | $10 | Minimum amount for deposit is $500. Dividend rates are subject to change. |
Who can join Metro Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.