Credit union · NCUA insured
Metrum Community Credit Union CD Rates
Top CarrotMetrum Community Credit Union’s best CD rate is 4.35% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Metrum Community Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Metrum Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Metrum Community Credit Union
4.25%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $868
Certificate of Deposit
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Metrum Community Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.25%
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 Metrum Community 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.
Special-purpose accounts
Certificate of Deposit
Up to 4.25%APY · 8 terms
Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.
| Term | APY · Up to $100,000 | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 4.00% | — | 4.00% | $198 |
| 10 monthsLimited-time promotional CD rate special. Available on new deposits only. $100K cap per primary membership, per promotional term. Membership required with $25 deposit to Base Share Savings. Unless instructed otherwise, renews to 6-month term at maturity | 4.10% | — | — | 4.10% | $341 |
| 12 months | — | 4.00% | 4.10% | 4.00%4.10% from $100k | $400 |
| 17 monthsLimited-time promotional CD rate special. Available on new deposits only. $100K cap per primary membership, per promotional term. Membership required with $25 deposit to Base Share Savings. Unless instructed otherwise, renews to 12-month term at maturity | 4.00% | — | — | 4.00% | $571 |
| 24 months | — | 4.25% | 4.35% | 4.25%4.35% from $100k | $868 |
| 36 months | — | 3.75% | 3.85% | 3.75%3.85% from $100k | $1,168 |
| 48 months | — | 3.75% | 3.85% | 3.75%3.85% from $100k | $1,587 |
| 60 months | — | 3.50% | 3.60% | 3.50%3.60% from $100k | $1,877 |
Sources (5)
- metrumcu.org/certificate-of-deposit
- metrumcu.org/knowledge-base/certificate-of-deposit
- metrumcu.org/rates
- metrumcu.org
- metrumcu.org/special-offers
All captured Oct 22, 2026
IRA Certificate
Up to 4.25%APY · 5 terms
IRA Certificate terms are 12, 24, 36, 48, and 60 months (1 to 5 years). Minimum initial deposit / balance of $500. Interest is paid quarterly and calculated on average daily balance. Jumbo rates may be available. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 4.00% | 4.10% | 4.00%4.10% from $100k | $400 |
| 24 months | 4.25% | 4.35% | 4.25%4.35% from $100k | $868 |
| 36 months | 3.75% | 3.85% | 3.75%3.85% from $100k | $1,168 |
| 48 months | 3.75% | 3.85% | 3.75%3.85% from $100k | $1,587 |
| 60 months | 3.50% | 3.60% | 3.50%3.60% from $100k | $1,877 |
Who can join Metrum Community Credit Union
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