Metro Checking offers 3.00% APY on your membership savings account with no minimum balance requirement or monthly fee. The account includes unlimited ATM fee refunds, no insufficient funds fees, and flexible overdraft options. The APY is variable and may change after account opening.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Metro Credit Union Metro Checking rate
- Opt in to e-communications.
- Receive direct deposit of at least $500 per month.
- Make at least 5 debit card purchases per month of $1 or more each.
- Maintain an active Metro loan (including credit card or student loan).
- Maintain an average monthly balance greater than $5,000 in Metro Checking.
The fine print that matters
- APY is a variable rate and may change after the account is opened.
- Rates shown are for new accounts opened and are subject to change after account opening.
- Fees may reduce earnings.
- After account opening, the current rate can be found within metro ibanking and on the account statement.
Verification and reports
Confirmed against metrocu.org on Aug 1, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
Reviewed by a human before it publishes. We do not ask for your name or contact, and a published report never carries one.
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Sources: metrocu.org rate page (checked Aug 1, 2026)
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