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Deposit Services

Checking Accounts
Metro Credit Union offers checking account services that suit just about every age group and life style. Structured and priced to provide real value to members, Metro’s checking services are enhanced by a full range of automated services including direct deposit of recurring payments, automatic payments and transfers, 24 hour telephone access for inquiries and transactions, ATM/Debit cards and much more.

Savings Accounts
A variety of savings account options are available with affordable minimums and competitive dividend rates including Youth Savings, Special Purpose Savings, Christmas Club Savings and Metro’s Silver Lining Savings that allows members to earn higher dividend rates on higher balances. Please visit our “Deposit Rates’ page for details and requirements.

Term Share Accounts
Term Share Accounts are offered with maturities ranging from 6 months to 5 years with affordable minimums and very competitive rates. The rate schedule is structured to allow members to earn higher dividend rates for their term investment. Please visit our "Rates" page for details and requirements.

IRA Accounts
Savings accounts as well as Term Share Accounts with maturities ranging from 6 months to 5 years are available for Traditional, Roth and Coverdell Education IRAs with no administrative fees. Please visit our "Deposit Rates" page for details and requirements.

* Dividends are calculated by the daily balance method that applies a daily periodic rate to the principal balance in your account each day and dividends will begin to accrue on your deposit on the day that you make the deposit.

Dividends are compounded (added to the balance of your account) quarterly on Term Share Accounts with maturities of one year or longer beginning on the day that the account is opened and ending on the maturity date unless the term is renewed if applicable.

Dividends are not compounded on 6 month term share accounts and are added to the balance at maturity. The dividend period is semi-annual and begins on the date that you make your deposit and ends on the maturity date unless the Term Share Account is renewed.

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.