Credit union · NCUA insured
Metro Federal Credit Union Savings Rates
Metro Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its VIP Money Market. Rates checked October 16, 2026.
How Metro Federal Credit Union’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $50
VIP Money Market
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
Metro Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.50%
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 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.
VIP Money Market
0.50%APY
No monthly service fee. No minimum balance. Compounded monthly. Minimum cash or check withdrawal amount is $500.00 to avoid processing fee. Maximum total number of three checks paid per month; additional checks cleared or cash withdrawals subject to processing fee. Debit card and mobile deposit not eligible for money market accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $4,999Compounded monthly; paid monthly on the last day of the month. | 0.25% | — | Compounded monthly; paid monthly on the last day of the month. |
| $5,000 – $9,999Compounded monthly; paid monthly on the last day of the month. | 0.35% | — | Compounded monthly; paid monthly on the last day of the month. |
| $10,000 – $24,999Compounded monthly; paid monthly on the last day of the month. | 0.50% | $50 | Compounded monthly; paid monthly on the last day of the month. |
| $25,000 – $49,999Compounded monthly; paid monthly on the last day of the month. | 0.65% | — | Compounded monthly; paid monthly on the last day of the month. |
| $50,000 and upCompounded monthly; paid monthly on the last day of the month. | 0.95% | — | Compounded monthly; paid monthly on the last day of the month. |
Special-purpose accounts
Kids Club Account
0.50%APY
For children ages 0-12. Requires a Youth Savings Account in child's name. No minimum opening deposit and no monthly service fee. Automatic closure at age 13 with balance transferred to primary savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 1 premium dividend rate for balances up to $500. Dividends compounded and paid monthly. | 2.53% | — | Tier 1 premium dividend rate for balances up to $500. Dividends compounded and paid monthly. |
| Over $500Tier 2 regular listed rate for balances over $500. Dividends compounded and paid monthly. | 0.50% | $50 | Tier 2 regular listed rate for balances over $500. Dividends compounded and paid monthly. |
Christmas Club Account
1.00%APY
No monthly fee or minimum balance. Funds accumulated are disbursed annually on the first business day in November via direct deposit to METRO checking account or check by mail. Automatically renews each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and paid monthly. Funds disbursed annually in November.Over $0 | 1.00% | $100 | Dividends compounded and paid monthly. Funds disbursed annually in November. |
Traditional & Roth IRA Savings
1.00%APY
Preparation for retirement with Traditional or Roth tax wrapper options. Annual contribution limits apply based on age and earned income.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and paid monthly on the last day of the month. Must maintain stated minimum balance to obtain APY.Over $0 | 1.00% | $100 | Dividends compounded and paid monthly on the last day of the month. Must maintain stated minimum balance to obtain APY. |
Vacation Club Account
1.00%APY
No monthly fee or minimum balance. Withdrawals allowed twice per calendar year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and paid monthly. Up to two withdrawals allowed per calendar year.Over $0 | 1.00% | $100 | Dividends compounded and paid monthly. Up to two withdrawals allowed per calendar year. |
Primary Savings
0.25%APY
Must be a member of Metro Federal Credit Union. Initial deposit of $10 required. A balance of $250 is required after 3 months to avoid a $5.00 monthly minimum balance fee (members under 18 and over 60 are exempt).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $4,999Dividends compounded and paid monthly. $5 monthly fee applies after 3 months if balance is below $250 (waived for members under 18 or over 60). | 0.10% | — | Dividends compounded and paid monthly. $5 monthly fee applies after 3 months if balance is below $250 (waived for members under 18 or over 60). |
| $5,000 – $9,999Dividends compounded and paid monthly. $5 monthly fee applies after 3 months if balance is below $250 (waived for members under 18 or over 60). | 0.15% | — | Dividends compounded and paid monthly. $5 monthly fee applies after 3 months if balance is below $250 (waived for members under 18 or over 60). |
| $10,000 – $24,999Dividends compounded and paid monthly. $5 monthly fee applies after 3 months if balance is below $250 (waived for members under 18 or over 60). | 0.25% | $25 | Dividends compounded and paid monthly. $5 monthly fee applies after 3 months if balance is below $250 (waived for members under 18 or over 60). |
| $25,000 and upDividends compounded and paid monthly. $5 monthly fee applies after 3 months if balance is below $250 (waived for members under 18 or over 60). | 0.50% | — | Dividends compounded and paid monthly. $5 monthly fee applies after 3 months if balance is below $250 (waived for members under 18 or over 60). |
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.