Credit union · NCUA insured
Metro Plus Credit Union CD Rates
Metro Plus Credit Union’s best CD rate is 2.94% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Metro Plus Credit Union’s CD rates compare
Compared with banks and credit unions near Lexington, KY, where Metro Plus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Metro Plus Credit Union
2.94%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $908
Share Certificate
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
Metro Plus Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo2.89%
- 31–60 months31–60 mo2.94%
- QualifiedQualified2.94%
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 Plus 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
Up to 2.94%APY · 6 terms
Dividends are computed on the actual dollar amount and paid/credited monthly. Account earns dividends based on principal/average daily balance. Fixed rate for initial term. Substantial penalty for early withdrawal. $25 membership share required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly. Fixed rate. Early withdrawal penalty applies. Automatic renewal | 2.53% | $126 |
| 12 monthsDividends paid monthly. Fixed rate. Early withdrawal penalty applies. Automatic renewal | 2.78% | $278 |
| 24 monthsDividends paid monthly. Fixed rate. Early withdrawal penalty applies. Automatic renewal | 2.89% | $586 |
| 36 monthsDividends paid monthly. Fixed rate. Early withdrawal penalty applies. Automatic renewal | 2.94% | $908 |
| 48 monthsDividends paid monthly. Fixed rate. Early withdrawal penalty applies. Automatic renewal | 2.78% | $1,159 |
| 60 monthsDividends paid monthly. Fixed rate. Early withdrawal penalty applies. Automatic renewal | 2.89% | $1,531 |
Special-purpose accounts
Youth Certificate
3.40%APY · 1 term
Youth Certificate is for youth 17 and under. Dividends paid monthly. Early withdrawal penalty applies. $25 membership share required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFor youth 17 and under. Dividends paid monthly. Early withdrawal penalty applies | 3.40% | $692 |
Sources (2)
All captured Oct 5, 2026
HSA Certificate
Up to 2.94%APY · 6 terms
Dividends credited monthly. Additional deposits not allowed. Automatic renewal. Early withdrawal penalty applies. $25 membership share required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed Rate. Dividends credited monthly. Automatic renewal. Early withdrawal penalty applies | 2.53% | $126 |
| 12 monthsFixed Rate. Dividends credited monthly. Automatic renewal. Early withdrawal penalty applies | 2.78% | $278 |
| 24 monthsFixed Rate. Dividends compounded and credited monthly. Additional deposits not allowed. Automatic renewal. Early withdrawal penalty applies | 2.89% | $586 |
| 36 monthsFixed Rate. Dividends credited monthly. Automatic renewal. Early withdrawal penalty applies | 2.94% | $908 |
| 48 monthsFixed Rate. Dividends credited monthly. Automatic renewal. Early withdrawal penalty applies | 2.78% | $1,159 |
| 60 monthsFixed Rate. Dividends credited monthly. Automatic renewal. Early withdrawal penalty applies | 2.89% | $1,531 |
Sources (1)
- metropluscu.org/Documents/Disc…-Cert-TIS-Disclosure.pdf · captured Oct 5, 2026
IRA Certificate
Up to 2.94%APY · 5 terms
Traditional and Roth IRAs available. Dividends paid monthly on IRA certificates based on average daily balance. Early withdrawal penalties apply. $25 membership share required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed Rate. Early withdrawal penalty applies | 2.53% | $126 |
| 12 monthsFixed Rate. Dividends compounded and credited monthly. Additional deposits not allowed. Automatic renewal. Early withdrawal penalty applies | 2.78% | $278 |
| 24 monthsFixed Rate. Early withdrawal penalty applies | 2.89% | $586 |
| 36 monthsFixed Rate. Early withdrawal penalty applies | 2.94% | $908 |
| 48 monthsFixed Rate. Early withdrawal penalty applies | 2.78% | $1,159 |
Sources (2)
- metropluscu.org/Save-and-Spend…tirement-Accounts-(IRAs)
- metropluscu.org/Documents/Disc…-Cert-TIS-Disclosure.pdf
All captured Oct 5, 2026
Who can join Metro Plus Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.