A Certificate of Deposit (CD) is one of the safest, most reliable ways to grow your savings. You deposit a set amount for a fixed term — anywhere from 3 months to 5 years — and earn a guaranteed interest rate that is typically higher than a standard savings account.
Unlike the stock market, your principal is never at risk. At Metro X Financials, every CD is backed by FDIC insurance up to $250,000, giving you the perfect combination of growth potential and total security.
Opening a CD is one of the easiest financial decisions you will ever make. Here is exactly what happens from start to finish.
Visit any Metro X Financials branch or call us to select your term and lock in your rate. The process takes just minutes.
Deposit a minimum of $500. Your rate is guaranteed from the moment you fund your account — no fluctuations, no surprises.
Sit back and watch your balance grow. Interest compounds and is credited to your account automatically throughout the term.
At maturity, take your principal plus interest, or roll it into a new CD. A grace period lets you decide without penalty.
Whether you are saving for a short-term goal or building long-term wealth, Metro X Financials has a CD term that matches your timeline and maximizes your return.
3 to 12 Months
Perfect for money you want to put to work without tying it up too long. Ideal for emergency fund supplementation, saving for a vacation, or parking cash while you plan your next financial move.
1 to 3 Years
The sweet spot for savers who want meaningfully higher rates in exchange for a moderate commitment. Great for saving toward a home down payment, wedding, or major purchase.
3 to 5 Years
Maximize your guaranteed return with our highest-yielding CD tier. Best for customers who have a lump sum they won't need in the near term and want the strongest risk-free growth available.
Unlike savings accounts where rates can change without notice, your CD rate is locked in for the entire term. What you see is exactly what you get — guaranteed.
Your deposit is completely safe. Combined with FDIC insurance up to $250,000, a Metro X Financials CD is among the safest financial instruments available anywhere.
Spread your savings across multiple CDs with staggered maturity dates. This CD ladder strategy gives you regular access to funds while keeping most of your money earning the higher long-term rate.
When your CD matures, it automatically renews at the current rate — so your money never sits idle. Change terms or withdraw during the grace period with no hassle.
In a world of market volatility, CDs offer something rare: certainty. Your rate is locked in, your principal is protected, and your interest earnings are predictable from day one. There is no investing skill required — just a smart decision to save.
Metro X Financials CDs are particularly well-suited for retirees seeking predictable income, savers building a down payment on a fixed timeline, and anyone who wants to earn more than a standard savings account without taking on any market risk.
Contact a branch associate for current rates. Rates change periodically based on market conditions.
Certificates of Deposit are time deposits and are subject to early withdrawal penalties if funds are accessed before the maturity date. Penalties vary depending on the term of the CD and will reduce your earned interest. A minimum deposit of $500 is required to open any Metro X Financials CD. Annual Percentage Yields (APYs) are accurate as of the date of publication and are subject to change without notice. Fees may reduce earnings.
All Metro X Financials deposit accounts, including Certificates of Deposit, are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Member FDIC. Equal Housing Lender.
Open a Metro X Financials CD today with as little as $500. Choose the term that fits your goals and let your money work hard for you — with a guaranteed, FDIC-insured return.