Credit union · NCUA insured
Metro Credit Union CD Rates
Top CarrotMetro Credit Union’s best CD rate is 4.55% APY on a 25-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 5, 2026.
How Metro Credit Union’s CD rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Metro Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Metro Credit Union
4.55%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $971
Share Certificates
2nd-highest rate
First Westroads Bank
4.55%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,948
3rd-highest rate
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
Metro Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.55%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.55%
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
Up to 4.55%APY · 12 terms
Requires Metro Credit Union membership ($1.00 par value share). Early withdrawal penalties apply (<=29 months: 180 days' dividends; 30-59 months: 365 days' dividends; >=60 months: 730 days' dividends). Compounded and credited monthly. Additional deposits not allowed until maturity. Certificates in excess of $1,000,000 may be refused. Federally insured by NCUA up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends | 3.50% | $86 |
| 6 months6 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends | 3.90% | $193 |
| 7 months7 Month Special. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends | 4.20% | $243 |
| 12 months12 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends | 4.00% | $400 |
| 15 months15 Month Special. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends | 4.35% | $547 |
| 18 months18 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends | 4.00% | $606 |
| 24 months24 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends | 4.00% | $816 |
| 25 months25 Month Special. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends | 4.55% | $971 |
| 30 months30 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 365 days' dividends | 3.75% | $964 |
| 36 months36 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 365 days' dividends | 3.75% | $1,168 |
| 48 months48 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 365 days' dividends | 3.50% | $1,475 |
| 60 months60 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 730 days' dividends | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate Account
Up to 4.50%APY · 12 terms
Deposit-based IRA Certificate (Traditional and Roth IRA). Subject to IRS rules and regulations (IRS Publication 590). No early withdrawal penalty for withdrawals after age 73 if part of Required Minimum Distribution (RMD). Other early withdrawals subject to standard certificate penalties. Federally insured by NCUA up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends (waived for RMD after age 73) | 3.05% | $75 |
| 6 months6 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends (waived for RMD after age 73) | 3.85% | $191 |
| 7 months7 Month Special. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends (waived for RMD after age 73) | 4.20% | $243 |
| 12 months12 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends (waived for RMD after age 73) | 3.90% | $390 |
| 13 months13 Month Special. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends (waived for RMD after age 73) | 4.25% | $461 |
| 18 months18 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends (waived for RMD after age 73) | 3.90% | $591 |
| 24 months24 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends (waived for RMD after age 73) | 3.85% | $785 |
| 25 months25 Month Special. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends (waived for RMD after age 73) | 4.50% | $960 |
| 30 months30 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 365 days' dividends (waived for RMD after age 73) | 3.75% | $964 |
| 36 months36 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 365 days' dividends (waived for RMD after age 73) | 3.75% | $1,168 |
| 48 months48 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 365 days' dividends (waived for RMD after age 73) | 3.50% | $1,475 |
| 60 months60 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 730 days' dividends (waived for RMD after age 73) | 3.50% | $1,877 |
Sources (3)
- metrofcu.org/accounts/ira
- metrofcu.org/docs/default-sour…rateandfeedisclosure.pdf
- metrofcu.org/accounts/certificates
All captured Sep 18, 2026
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.