Credit union · NCUA insured
Metro Federal Credit Union CD Rates
Metro Federal Credit Union’s best CD rate is 4.33% APY on a 14-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Metro Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Metro Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Metro Federal Credit Union
3.35%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,409
Regular Share Certificates
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Metro Federal Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo2.58%
- 9–15 months9–15 mo2.73%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.35%
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 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 Special
Up to 4.33%APY · 3 terms
Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends compounded and credited monthly. Fixed for certificate term. Early withdrawal penalties may apply. Member accounts federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsLimited Time Only | 4.07% | — |
| 7 monthsNEW MONEY ONLY- LIMITED TIME. New Money must come from another financial institution | 4.20% | — |
| 14 monthsLimited Time Only | 4.18% | — |
| 14 monthsNEW MONEY ONLY- LIMITED TIME. New Money must come from another financial institution | 4.33% | — |
| 30 monthsLimited Time Only | 4.18% | — |
| 30 monthsNEW MONEY ONLY- LIMITED TIME. New Money must come from another financial institution | 4.33% | — |
Sources (1)
- mcu.org/rates · captured Oct 16, 2026
Regular Share Certificates
Up to 3.35%APY · 6 terms
Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. Early withdrawals may be subject to a penalty. 7-day grace period on maturity.
| Term | APY · $1,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 2.58% | 2.94% | 3.25% | 2.58%2.94% $25k–$100k3.25% from $100k | $128 |
| 12 months | 2.73% | 3.09% | 3.40% | 2.73%3.09% $25k–$100k3.40% from $100k | $273 |
| 18 months | 2.89% | 3.25% | 3.56% | 2.89%3.25% $25k–$100k3.56% from $100k | $437 |
| 24 months | 3.04% | 3.40% | 3.71% | 3.04%3.40% $25k–$100k3.71% from $100k | $617 |
| 36 months | 3.20% | 3.56% | 3.87% | 3.20%3.56% $25k–$100k3.87% from $100k | $991 |
| 48 months | 3.35% | 3.71% | 4.02% | 3.35%3.71% $25k–$100k4.02% from $100k | $1,409 |
Payroll Share Certificate - Funded by Payroll Deposit Only
Up to 2.63%APY · 5 terms
Funded by Payroll Deposit Only. Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends compounded and credited monthly. Fixed for certificate term. Early withdrawals may be subject to penalty. 7-day grace period on maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.02% | $202 |
| 18 months | 2.17% | $327 |
| 24 months | 2.32% | $469 |
| 36 months | 2.48% | $763 |
| 48 months | 2.63% | $1,094 |
Special-purpose accounts
IRA Share Certificates
Up to 3.35%APY · 5 terms
Available for Traditional and Roth IRA accounts. Available to METRO Federal Credit Union members only. Dividends compounded and credited monthly. Fixed for certificate term. Early withdrawals may be subject to a penalty and tax consequences.
| Term | APY · $1,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 2.73% | 3.09% | 3.40% | 2.73%3.09% $25k–$100k3.40% from $100k | $273 |
| 18 months | 2.89% | 3.25% | 3.56% | 2.89%3.25% $25k–$100k3.56% from $100k | $437 |
| 24 months | 3.04% | 3.40% | 3.71% | 3.04%3.40% $25k–$100k3.71% from $100k | $617 |
| 36 months | 3.20% | 3.56% | 3.87% | 3.20%3.56% $25k–$100k3.87% from $100k | $991 |
| 48 months | 3.35% | 3.71% | 4.02% | 3.35%3.71% $25k–$100k4.02% from $100k | $1,409 |
IRA Payroll Share Certificate - Funded by Payroll Deposit Only
Up to 2.63%APY · 5 terms
Funded by Payroll Deposit Only. Available to METRO Federal Credit Union members only. Dividends compounded and credited monthly. Fixed for certificate term. Early withdrawals may be subject to penalty and IRA tax consequences.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.02% | $202 |
| 18 months | 2.17% | $327 |
| 24 months | 2.32% | $469 |
| 36 months | 2.48% | $763 |
| 48 months | 2.63% | $1,094 |
Sources (1)
- mcu.org/rates · captured Oct 16, 2026
Who can join Metro Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible to join if you have a business within the community charter and/or regularly conduct business in the community.
- You are eligible to join if you live in the boundaries of METRO's community charter.
- You are eligible to join if you volunteer within the boundaries of METRO's community charter.
- You are eligible to join if you work in the boundaries of METRO's community charter.
- You are eligible to join if you worship or attend school within the boundaries of METRO's community charter.
Employers and groups
- You are eligible to join if you are employed by one of METRO's Sponsoring Employer Groups.
1 more way to join
Family and household
- You are eligible to join if you are an immediate family or household member of an existing METRO Federal Credit Union member.
Cost to join
- Opening an account requires an initial deposit along with a valid ID and proof of eligibility.
Membership information collected October 5, 2026.