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Savings Accounts

There's more than one way to save.

We have options to get you where you want to be, whether you're just starting out, a seasoned saver, or working towards a specific goal.

Ready to open an account?

Membership Savings

  • The key to unlocking your membership benefits with Metro
  • Only $5.00 required as your member share amount
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High Yield Savings

  • The more you save, the more you earn
  • Premium rates on balances of $10,000.00 or more
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Club Accounts

  • Put money away for Christmas or a vacation...or both
  • With automated deposits, you'll never miss the money you save
  • Funds are distributed on October 1 for the Christmas Club and May 1 for the Vacation Club
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Savings Builder

  • Build your investment foundation
  • Start with as little as $10.00
  • When your balance reaches $500.00, it automatically converts to a 12 month CD
  • For every $500.00 you save, another 12 month CD is opened

To open an account, please visit any of our branch locations or call 877.MY.METRO.

Prosperity Builder Savings Account**

A simple way to save for your future.

To open an account, please visit any of our branch locations.

Certificate of Deposit

  • Lock in a guaranteed rate over a fixed period of time
  • Low minimum investment of $500.00
  • Terms from 3 months to 5 years
  • Interest is compounded daily and paid monthly for terms 1 year or greater
  • Terms less than 1 year earn simple interest
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IRAs

Please visit any Metro location to open.

IRA Accumulator

  • Make weekly, bi-weekly, or monthly contributions
  • Spread your IRA contribution over the entire year, helping you to save regularly
  • Choose from Traditional or Roth IRA

IRA CDs

  • Lock in a lump sum contribution at a higher rate of interest
  • Terms from one to five years
  • Open with as little as $500.00
  • Choose from Traditional or Roth

Traditional IRA

  • Create a balanced, long-term savings plan that will help provide safety and security.
  • Contributions may be deducted from your taxable income, reducing the income taxes you pay now.

Roth IRA

  • An easy and safe way to plan for the future.
  • Withdraw contributions any time, tax-free and penalty-free.
  • No mandatory distribution.
  • Contributions are not tax-deductible, but the earnings are tax-free as long as your funds have been in the account for at least five years and you are either over age 59½, disabled, or buying your first home.

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Fees may apply. See the Membership Account Agreement for details.

*Minimum $5 to open a Secondary Savings. Rates are subject to change after account opening. To be eligible you must establish an automatic transfer from a Metro account to the Secondary Savings. Once the balance in the Secondary Savings reaches the minimum opening deposit as stated in the Truth in Savings Disclosure for a 12 month Certificate of Deposit (CD), Metro will transfer the balance from the Secondary Savings Account to the CD within 2 business days. After the first CD is opened, automatic transfers will a into the Secondary Savings Account and subsequent 12 month CDs will be opened when the Secondary Savings reaches the minimum opening deposit as stated in the Truth in Savings Disclosure.

**Earn 0.50% Annual Percentage Yield (APY) on balances up to $5,000.00 and 0.10% APY on balances greater than $5,000.00 as of June 1, 2019. $5,000.01 earns 0.50% APY and a $10,000.00 balance earns 0.30% APY as examples. One Prosperity Savings Account per person. Rates may change after account opening. Funds earn dividends from the business day of deposit and are compounded and paid monthly.