Bank · FDIC insured
Metropolitan Bank CD Rates
Metropolitan Bank’s best CD rate is 0.50% APY on a 4-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Metropolitan Bank’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Metropolitan Bank has the most branches. $10,000, best rate first.
This bank’s best
Metropolitan Bank
0.50%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $202
Personal Certificates of Deposit
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Metropolitan Bank CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.50%
- 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 Metropolitan Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Certificates of Deposit
Up to 0.50%APY · 7 terms
Tailored to investment periods from 7 days to 10 years. Substantial penalty for early withdrawal. Rates for terms of 2 years or longer are negotiable. Posted rates are for guidance only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounded daily, payable monthly, or at maturity, actual/actual day basis | 0.10% | $2 |
| 6 monthsInterest compounded daily, payable monthly, or at maturity, actual/actual day basis | 0.20% | $10 |
| 12 monthsInterest compounded daily, payable monthly, or at maturity, actual/actual day basis | 0.30% | $30 |
| 24 monthsCDs with terms of 2 years or longer are negotiable. Interest compounded daily, payable monthly, or at maturity, actual/actual day basis | 0.30% | $60 |
| 36 monthsCDs with terms of 2 years or longer are negotiable. Interest compounded daily, payable monthly, or at maturity, actual/actual day basis | 0.40% | $120 |
| 48 monthsCDs with terms of 2 years or longer are negotiable. Interest compounded daily, payable monthly, or at maturity, actual/actual day basis | 0.50% | $202 |
| 60 monthsCDs with terms of 2 years or longer are negotiable. Interest compounded daily, payable monthly, or at maturity, actual/actual day basis | 0.50% | $253 |
Jumbo Certificates of Deposit
Up to 0.35%APY · 3 terms
Rates negotiable. Simple interest, payable monthly, or at maturity, actual/actual day basis. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSimple interest, payable monthly, or at maturity, actual/actual day basis. Rates negotiable | 0.15% | — |
| 6 monthsSimple interest, payable monthly, or at maturity, actual/actual day basis. Rates negotiable | 0.25% | — |
| 12 monthsSimple interest, payable monthly, or at maturity, actual/actual day basis. Rates negotiable | 0.35% | — |
Sources (1)
- met.bank/rates · captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Account (IRAs) CDs
0.50%APY · 5 terms
Interest is tax-deferred until withdrawn. Substantial penalty for early withdrawal on fixed term accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.50% | $50 |
| 24 months | 0.50% | $100 |
| 36 months | 0.50% | $151 |
| 48 months | 0.50% | $202 |
| 60 months | 0.50% | $253 |
Sources (2)
All captured Sep 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.