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Savings Accounts

About Savings Accounts

Metro is here to be your trusted provider of financial services and enhance the value of your life with financial well-being. No matter your savings goal, we’re here to help! Choose from an array of savings products and watch your nest egg grow.

Regular Savings (Share Account)

Become a member of Metro when you open your Savings Account.

Account Benefits:

  • Gain membership to Metro – a regular share account is required & gives you access to all our products and services!
  • Low initial deposit – only $10 gets you started
  • Direct deposit friendly – You can make deposits to this account anytime!
  • Competitive Dividends – earned and paid monthly on balances of $100 or more, dividend rates increase as your balance reaches each higher savings tier.
  • Safe & Secure – All METRO FCU accounts are Federally Insured by the National Credit Union Administration (NCUA).
  • Online Access – 24/7 banking convenience

* A balance of $250 is required after 3 months to avoid a monthly minimum balance fee of $5.00. Members under the age of 18 and over 60 are exempt from this fee.

Youth Savings

For Kids & Teens ages 0-17*

METRO's Youth Savings Account is a fantastic way to teach your children about saving for the future.

Account Benefits

  • No Minimum Balance Fees - No minimum balance is required for Youth Accounts except for the initial membership deposit of $10
  • FREE online banking Access - Parents or guardians can keep an eye on account funds to make transfers for allowance and other needs
  • Special Savings Incentives - Pair the Youth Savings with our kids club account and earn a premium rate on balances up to $500 for children under 13

Account Features:

  • Designed for ages 17 & under
  • No monthly service fee
  • Balances over $100 earns dividends

*Automatic transfer to Regular Savings Account at age 18 or up to age 26 when individual is no longer enrolled at least as a part-time student.

Club Accounts

Christmas Club Account

A great way to systematically save for Christmas or any other expense! Deposit throughout the year and then receive your money in a lump sum just in time for holiday shopping.

Account Benefits:

  • Earn a competitive dividend rate on your deposits
  • Deposit as you see fit – make deposits yourself, transfer from other METRO accounts, or deposit directly to your account through payroll deduction. Your club account always earns a competitive rate!
  • Get your funds the first business day in November - the funds you’ve accumulated throughout the year are paid to you by either direct deposit to your METRO checking account or we’ll mail you a check.
  • Automatically renews each year

Account Features:

  • No monthly fee or minimum balance
  • Variable interest rate
  • Funds disbursed annually in November
  • Deposits accepted continuously

Vacation Club Account

Occasionally during the year we all have a need for some extra cash, especially around the holidays and before a vacation!

Account Benefits:

  • Earn a competitive dividend rate on your deposits
  • Make deposits anytime – add funds when you have extra cash on hand or set up automatic deposits from your paycheck each payday.
  • Withdrawals allowed twice per calendar year

Account Features:

  • No Monthly fee or minimum balance
  • Variable interest rate
  • Two withdrawals allowed annually
  • Deposits accepted continuously

Kids Club Account

Now you can put your child’s money in a safe and secure spot AND earn interest. Get the coins out of their piggy bank and into a METRO Kids Club Account!

Account Benefits:

  • Specifically for kids 12 and under
  • Balances up to $500 earn a premium rate
  • Free coin counting for kiddos with a club account

Account Features:

  • Competitive dividend rate
  • Balances over $500 earn the regular listed Kids Club Account Rate
  • Can be added to a student savings account to maximize savings growth

Certificates

Our Share Certificates offer many options with tiered rates and terms. Choose the certificate that works best for you and start earning the interest you deserve.

All METRO Share Certificates offer:

  • Competitive rates
  • Multiple term options & tiered interest rates
  • 7-day grace period on maturity
  • Minimum opening deposit

Choose from:

Regular Certificate

A low-risk, high-yield account that makes your money work for you.

Payroll Certificate

Now you can make regular Payroll Deduction Deposits directly into a new SHARE CERTIFICATE. Start your own investment account today! Set up Direct Deposit and get started today.

IRA Certificate

Take your retirement savings to another level with an IRA certificate. Save more, earn more!

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Money Market

Earn more than a traditional savings account without losing access to your funds. If you're looking for a higher yield account with the flexibility to withdraw your funds in case of unexpected expenses, METRO's VIP Money Market is a great option!

Account Benefits:

  • Competitive dividends with tiered rates
  • Funds are accessible for withdrawal*
  • Limited check writing privilege*

Account Features:

  • No monthly service fee
  • No minimum balance

*Minimum cash or check withdrawal amount is $500.00 to avoid processing fee. Maximum total number of three checks paid per month. Additional checks cleared or cash withdrawals will be subject to a processing fee. Debit card and mobile deposit not eligible for money market accounts.

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