Investments

At Metco Credit Union, we believe building your financial future shouldn’t be stressful. That’s why we offer a range of savings and investment tools that give you the confidence to grow your money—without the risks of the stock market. Whether you’re saving for retirement, education, or a rainy day, our member-focused solutions are here to help.

Mega Saver Money Market Account

Put your money to work—without locking it away. Our Mega Saver Money Market gives you the benefits of both flexibility and competitive returns.

Earn tiered dividends that increase as your average balance grows
Maintain accessibility with up to six withdrawals per month
Reach your goals faster with a higher minimum balance that earns more

Ideal for savers who want both growth and access

Open an account today!

Certificates of Deposit (CDs)

Looking for a safe, reliable way to grow your savings? Our CDs offer guaranteed returns over your selected term.

Competitive rates that maximize your earning potential
Flexible terms at several investment levels
Low minimum deposits make it easy to get started
Quarterly compounding dividends help your money grow faster
Auto-renewal ensures your investment keeps working

👉 View Current CD Rates »

Individual Retirement Accounts (IRAs)

Whether you’re years away from retirement, or it’s right around the corner, an Individual Retirement Account (IRA) can be a powerful tool to help you save. Metco offers two types of IRAs: a Traditional IRA and the Roth IRA.

Traditional IRA

Contributions may be tax-deductible
Pay taxes later—withdrawals are taxed at retirement

Roth IRA

Contributions are made with after-tax dollars
Withdraw earnings tax-free after age 59½ (account must be open at least 5 years)

Metco can help you choose the right path—based on your goals, income, and timeline.

Coverdell Education Savings Account (ESA)

Coverdell ESAs were created to help you pay for your child’s education expenses, such as tuition, fees, books, supplies, equipment, and, in some cases, room and board, as well as computers. Highlights of these accounts:

Tax-Free Growth: Earnings grow tax-free when used for qualified education expenses
Qualified Expenses: Use funds for K-12 or college costs like tuition, books, supplies, and even computers
Annual Contribution Limit: Contribute up to $2,000 per child, per year
Income Eligibility: Full contributions allowed for single filers with MAGI up to $95,000
Joint filers eligible with MAGI up to $190,000
Flexible Withdrawals: Withdraw funds anytime; to avoid taxes or penalties, use before the beneficiary turns 30 and only for qualified expenses

Why Choose Metco for Your Investments?

No market speculation—just stable, trustworthy savings tools
Member-first focus means we’re here to help you succeed
Safe growth strategies for every stage of life
Support when you need it, from real people who care

Let’s Build a Brighter Financial Future – Together

With smart, secure investment options like CDs, Money Market Accounts, Roth IRAs, and ESAs, Metco Credit Union can help you build a well-rounded financial strategy. Read our latest blog to learn more, or schedule a free session with our Financial Empowerment program to get personalized guidance.

Ready to take the next step? Become a member or open an account today.