Credit union · NCUA insured
Metro Credit Union CD Rates
Metro Credit Union’s best CD rate is 4.30% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Metro Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Metro Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Metro Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
Certificate of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Metro Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.30%
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.
Certificate of Deposit
Up to 4.30%APY · 15 terms
Rates shown are for new accounts opened and are subject to change after account opening. Credit Union membership is required (membership account with minimum $5.00). Substantial penalty on funds withdrawn prior to maturity. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.25% | $161 |
| 9 months | 4.00% | $299 |
| 12 months | 4.00% | $400 |
| 13 months | 4.00% | $434 |
| 14 months | 4.00% | $468 |
| 15 months | 4.30% | $540 |
| 17 months | 4.30% | $615 |
| 18 months | 4.30% | $652 |
| 21 months | 3.50% | $621 |
| 24 months | 3.50% | $712 |
| 30 months | 3.25% | $832 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Who can join Metro Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, go to school, or have a place of business in Essex, Middlesex, Norfolk, Suffolk, Worcester, Plymouth, Barnstable, Bristol, Franklin, Hampshire, or Hampden County, Massachusetts.
- Membership is open to individuals who live, work, go to school, or have a place of business in Hillsborough, Rockingham, Cheshire, Merrimack, or Strafford County, New Hampshire.
Employers and groups
- Membership is open to employees of the 1,800 participating workplaces in Massachusetts that offer Metro@work.
Family and household
- Membership is open to family members (including spouses, domestic partners, children, grandchildren, step-children, siblings, step-brothers/sisters, brothers/sisters-in-law, parents, grandparents, step-parents, mother/fathers-in-law, aunts, uncles, nieces, nephews, and cousins) of current Metro members regardless of where they live.
Cost to join
- Joining requires opening a Metro Membership Savings Account with an initial deposit of $5.00.
Membership information collected October 5, 2026.