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Lock In Your Rate and Your Returns

A Metro certificate is a smart way to grow your savings with a guaranteed rate of return. You choose the term, lock in your rate, and watch your money earn predictably from start to finish. Terms range from three months to five years, with a $500 minimum opening deposit.

Why Choose a Certificate from Metro Credit Union

Guaranteed, Predictable Returns

Lock in your rate today and know exactly what you'll earn from day one. Even if rates drop later, your certificate stays at the rate you opened with. Predictable, dependable, and easy to plan around.

Flexible Terms to Fit Your Timeline

Whether you can set aside money for three months or five years, we have a term that fits your goals. Not ready for a long commitment? Start with a shorter term and renew when it matures.

A Strategy for Bigger Goals

Certificates work especially well for money tied to a specific goal: a future home purchase, a child's education, or a planned major expense. Choose a term that lines up with your timeline, and your savings keep growing right up until you need them.

Federally Insured Deposits

Your certificate is federally insured up to $250,000 by the  National Credit Union Administration (NCUA). It's one of the safest ways to earn higher returns on your savings.

Ready to Open a Certificate?

You'll need a Metro membership to open a certificate. New to Metro?  Apply for membership online and you can open a certificate as part of the same process. Already a member? Open a certificate directly in  online banking.

Certificate Account FAQs

What happens when my certificate matures?

When your certificate reaches the end of its term, Metro will notify you ahead of time, so you have a chance to decide what's next. You can let it automatically renew for the same term at the rate available on the maturity date, transfer the funds to another Metro account, or withdraw the balance entirely. If you don't take action, your certificate will automatically renew.

Can I withdraw money before the term ends?

Yes, but early withdrawals come with a penalty. The penalty is typically a portion of the dividends you've earned, and the exact amount depends on the length of your term. Because of the penalty, certificates work best for money you're confident you won't need until the term ends. If you think you'll need access to your funds, a savings account or money market may be a better fit. For more information, see our Rate and Fee Schedule.

How are dividends paid on a certificate?

Dividends are compounded and credited monthly based on your account balance and your certificate's rate. You can choose to have dividends stay in the certificate or transfer to another Metro account on a regular schedule. You can view your earnings anytime through online or mobile banking.

Can I add money to a certificate after I open it?

Once a certificate is opened, the balance is fixed for the term. To add more savings, you can open an additional certificate or wait until your current certificate matures and roll the new total into a renewed certificate. If you want to add to your savings on an ongoing basis, a savings account or money market is the better choice.

Is there a minimum deposit to open a certificate?

Yes. Metro certificates require a $500 minimum opening deposit. There's no maximum, and your deposit is federally insured up to $250,000 by the National Credit Union Administration (NCUA).

View Our Deposit Rates

Certificate Calculator

*Calculators are for general education only, not representative of Metro Credit Union offerings. Results are estimates based on user input and are not financial advice or guarantees. Consult a Metro Credit Union advisor for personalized advice. Metro Credit Union disclaims accuracy and liability for calculator use.

  • I've been with Metro for 23 years, starting when I worked for Nebraska Med. They've always worked with me through everything. I'm set for life with my credit union.
    Robert M.
  • I've been a member for over 20 years, starting when I worked at Clarkson Hospital. We've always found Metro's rates to be among the best in the area. When my kids were young, they loved the member appreciation events. Now my son and daughter-in-law are members too.
    Rachel W.
  • I first joined Metro in 1978 and was approved to buy my first home. In 1990, when the chance came to buy my neighbor's house, I was able to sell mine and get a new loan through Metro. As a single mom working at a grocery store, I never dreamed I'd qualify for a home loan. I'm still a member today, and I'm so grateful they trusted me. Member for 48 years.
    Regina H.
  • I joined Metro in 1986 while working as a chaplain at Midlands Hospital in Papillon. At the time, our paychecks were deposited directly at Metro, which meant no more picking up checks late or driving them to another bank. It was a game changer. In the years since, I've gotten car loans, set up online banking, and gotten help with Visa cards, all without hassle or extra costs. I've moved all over the country in the past 40 years, but I've always stayed with Metro.
    NJ D.
  • I've had a great experience that's allowed me to establish credit with my first auto loan. Thank you Metro for giving me this opportunity.
    Jessica A.
  • I joined in 1990 & always receive great service. Technology has evolved for increased convenience & loan rates are great!
    Ann T.
  • I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.
    Tammy F.
  • They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.
    Katherine V.
  • I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with them
    Duane T.
  • I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!
    Louise G.

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