Share Certificates

A low risk investment that will help you save for the future and diversify your portfolio

Like A Bank CD

Owning share certificates is very much like investing into a bank CD where you are guaranteed a rate of return.

Take control of your financial future and open a Share Certificate account with Metro Credit Union. Share Certificates provide a secure and predictable
way to earn interest on savings because you know exactly how much you’ll get back. Metro Credit Union offers Share Certificate accounts for our
members with great rates. These accounts feature convenient automatic renewal at maturity, allowing you to seamlessly continue your investment.
The interest earned can be automatically reinvested back into your share certificate or mailed to you.


5 Month CD


5.55% APY

6 Month CD


4.89% APY

17 Month CD


5.25% APY

Disclaimer: Rates are effective as of (4/1/24) and are subject to change at any time. Minimum deposit of 1000.00. No maximum deposit. An early withdrawal penalty may apply. New money only. Federally insured by the NCUA.

What’s the Difference Between a Bank CD and a Share Certificate?

A Share Certificate, not to be confused with a bank CD, is a savings account where an individual deposits a specific amount of money with a credit union for a predetermined period. This period can range from a few months to several years. Like a bank CD, in exchange for locking in the funds for that set term, you receive a fixed interest rate. However, the interest rate is generally higher than that of a standard bank CD savings account. Read more about the differences between a bank CD and a Share Certificate.

Benefits of Share Certificates with Metro Credit Union

Metro Credit Union offers these various benefits with our Shared Certificate accounts:

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safety and security

Share Certificates are considered low-risk
investments. Our Metro Credit Union Share Certificate accounts are federally insured up to $250,000 by the NCUA.

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variety of terms

Metro Credit Union Share Certificates come with flexible terms ranging from 6 months to 5 years to cater to your financial requirements.

guaranteed returns

At the end of the Share Certificate term, you are guaranteed to receive your initial investment along with the accrued interest.

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laddering strategy

Investors can implement a Share Certificate
laddering strategy, where they spread their investments across multiple Share Certificates with different maturity dates. This approach
provides regular access to funds while taking advantage of potentially higher interest rates on longer-term Share Certificates.

easily accessible

Metro Credit Union offers online services, allowing investors to monitor their Share Certificate holdings, check interest rates, and manage renewals without the need for frequent visits to a physical branch.

fixed interest rates

Share Certificates offer fixed interest rates for a predetermined period, providing predictability and stability in earnings.

Get A Share Certificate Today!

Ready to open up a Share Certificate account with Metro Credit Union? Fill
out the form below saying that you’d like to open a Share Certificate account. A Metro Credit Union representative will be in touch with you shortly.