Rates

Deposit Rates

Rates effective  May 1, 2013  
SAVINGS/MONEY MARKET ACCOUNTS
ACCOUNT TYPE Average Daily Balance Dividend Rate APY
Regular Share/Savings $100 - $4,999.99 .05%  .05% 
  $5000 - $9,999.99 .05%  .05% 
  $10,000 - $24,999.99 .05%  .05% 
  $25,000 - $49,999.99 .05%  .05% 
  $50,000 and above .05%  .05% 
Money Market $1,000 - $9,999.99 .05%  .05% 
  $10,000 - $24,999.99 .10%  .10% 
  $25,000 - $49,999.99 .10%  .10% 
  $50,000 - $89,999.99 .10%  .10% 
  $90,000 and above .10%  .10% 
Daily IRA/Education Savings $25 - $4,999.99 .05%  .05% 
  $5,000 - $9,999.99 .05%  .05% 
  $10,000 - $24,999.99 .05%  .05% 
  $25,000 - $49,999.99  .05%  .05% 
  $50,000 and above .05%  .05% 
APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.


SMART START PROGRAM SAVINGS
ACCOUNT TYPE Average Daily Balance Dividend Rate APY
Aspire Savings $100 - $499.99 .05%  .05% 
  $500 - $999.99 .05%  .05% 
  $1000 - $2,499.99 .05%  .05% 
  $2,500 - $4,999.99 .05%  .05% 
  $5,000 and above .05%  .05% 
APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

Available to members between the ages of 13 to 23.


CHECKING ACCOUNTS
ACCOUNT TYPE Average Daily Balance Dividend Rate APY
METRO Rewards Checking <$10,000.00 .00%  .00%
(Minimum average daily balance $10,000 to earn dividends and avoid a monthly service change)  $10,000 - $24,999.99  .05% .05%
  $25,000 - $49,999.99 .05% .05% 
  $50,000 - $89,999.99  .05%  .05% 
  $90,000 and above  .05%  .05% 
METRO Dividend Checking $2,500 and above  .05%  .05% 
APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.     
 


CERTIFICATES & IRA CERTIFICATES
  $500 - $9,999.99 $10,000 - $89,999.99 $90,000.00 and above
TERM/MONTHS Dividend Rate APY Dividend Rate APY Dividend Rate APY
60 1.00% 1.00% 1.05% 1.05% 1.10%  1.11% 
36  .45% .45% .50%  .50% .55%  .55%
24  .30% .30% .35% .35% .40% .40%
18  .15% .15% .20% .20% .25% .25%
12 .15% .15% .20% .20% .25% .25%
8 .10% .10% .15% .15% .20% .20%
6 .10% .10% .15% .15% .20% .20%
3* .05% .05% .10% .10% .15% .15%
APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Minimum daily balances must be maintained to earn dividends and avoid closure. A minimum opening deposit of $10,000 allows you to choose any term between 180 and 1855 days. See your account disclosure for full details.

*3-month/91 day term not available on IRA certificates.