Credit union · NCUA insured
Toledo Metro Federal Credit Union CD Rates
Toledo Metro Federal Credit Union’s best CD rate is 3.60% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Toledo Metro Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where Toledo Metro Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Toledo Metro Federal Credit Union
3.60%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $733
Share Certificate
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
Toledo Metro Federal Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.60%
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 Toledo 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
Up to 3.60%APY · 7 terms
Tiered rates. Quarterly dividends. Automatically renewable at then-current market rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsQuarterly compounding | 3.25% | $161 |
| 12 monthsQuarterly compounding | 3.50% | $350 |
| 18 months18 Month Flexible Choice Certificate. Quarterly compounding | 3.50% | $530 |
| 24 monthsQuarterly compounding | 3.60% | $733 |
| 36 monthsQuarterly compounding | 2.50% | $769 |
| 48 months48 Month Add-On Certificate lets you make unlimited deposits to your CD. Quarterly compounding | 2.50% | $1,038 |
| 60 monthsQuarterly compounding | 2.50% | $1,314 |
Special-purpose accounts
IRA Certificate
Up to 3.60%APY · 6 terms
Traditional, Roth, and Coverdell IRAs available. Check with a qualified tax advisor when opening an IRA. Penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsQuarterly compounding | 3.50% | $350 |
| 18 monthsQuarterly compounding | 3.50% | $530 |
| 24 monthsQuarterly compounding | 3.60% | $733 |
| 36 monthsQuarterly compounding | 2.50% | $769 |
| 48 monthsQuarterly compounding | 2.50% | $1,038 |
| 60 monthsQuarterly compounding | 2.50% | $1,314 |
Who can join Toledo Metro Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.