Metamora, Indiana CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Metamora, Indiana CD rates include Indiana University Credit UnionIndiana University Credit UnionA+5.0 ★Texas Ratio: 3.94%Real return: +1.70%APY minus CPI (February 2026) offering 6-month paid monthly at 4.50% APY, Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.84%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month IRA Certificate at 4.50% APY, Evansville Firefighters Federal Credit UnionEvansville Firefighters Federal Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.50%APY minus CPI (February 2026) offering 1-Year Jumbo at 4.30% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.35%APY minus CPI (February 2026) offering 6-Month CD Term at 4.15% APY, and Policemens Federal Credit UnionPolicemens Federal Credit UnionA+5.0 ★Texas Ratio: 0.46%Real return: +1.30%APY minus CPI (February 2026) offering 6 months at 4.10% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Metamora is a smaller community with no bank or credit union branches currently in our database. 702 institutions serving the Indiana area are available to Metamora residents, with CD rates as high as 4.50% APY from Indiana University Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
Compare Best CD Rates in Metamora, Indiana & the Surrounding Area
Metamora 3 Month CD Rates
New Money Only
Limited Time CD Special! New money only.
Paid Monthly
Quarterly compounding. IRA funds permitted. No business funds permitted.Penalty waived after the first 10 calendar days.
Fixed rate certificate, IRA, and HSA requirements.
Non-premier member APY: 0.55% | Dividend Rate: 0.55%
Early w/d Penalty: 90 days
Metamora 6 Month CD Rates
A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC
Certificates $500 to $20,000
Only available June 8-26. Requires a minimum of $50,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.
$10
No rate bump available
not eligible for Direct Deposit discount
Quarterly compounding. IRA funds permitted. No business funds permitted.
Paid Monthly
Metamora 12 Month CD Rates
Non-premier member APY: 4.25% | Dividend Rate: 4.17%
No rate bump available
not eligible for Direct Deposit discount
Certificates $500 to $20,000
NEW MONEY ONLY
up to
Non-premier member APY: 3.50% | Dividend Rate: 3.44%
Quarterly compounding. IRA funds permitted. No business funds permitted.
Certificates based on a $500 minimum balance. A penalty may be imposed for early withdrawal which could affect the annual percentage yield.
Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.
Over $50,000
Paid Monthly
Minimum balance to earn APY: $100,000
A penalty will be imposed for early withdrawal. Rates subject to change without notice.
Metamora 18 Month CD Rates
Minimum balance to earn APY: $100,000
($500 minimum balance)
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
Certificates over $20,000
Certificates $500 to $20,000
Quarterly compounding. IRA funds permitted. No business funds permitted
**
Metamora 24 Month CD Rates
Certificates based on a $500 minimum balance. A penalty may be imposed for early withdrawal which could affect the annual percentage yield.
Anniversary special.
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
See special certificate details
Minimum balance to earn APY: $100,000
Over $50,000
Fixed rate certificate, IRA, and HSA requirements.
Paid Monthly
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
Fixed rate certificate, IRA, and HSA requirements.
Certificates over $20,000
A penalty will be imposed for early withdrawal. Rates subject to change without notice.
not eligible for Direct Deposit discount
Certificates $500 to $20,000
Certificates $500 to $20,000
Metamora 36 Month CD Rates
Minimum balance to earn APY: $100,000
Certificates based on a $500 minimum balance. A penalty may be imposed for early withdrawal which could affect the annual percentage yield.
Minimum balance to earn APY: $100,000
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Fixed rate certificate, IRA, and HSA requirements.
Paid Monthly
Fixed rate certificate, IRA, and HSA requirements.
Certificates over $20,000
Certificates $500 to $20,000
Metamora 48 Month CD Rates
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Fixed rate certificate, IRA, and HSA requirements.
Fixed rate certificate, IRA, and HSA requirements.
Minimum balance to earn APY: $100,000
Paid Monthly
Certificates over $20,000
Certificates $500 to $20,000
Compound CD APY: 3.04%
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
not eligible for Direct Deposit discount
Metamora 60 Month CD Rates
As High As
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Fixed rate certificate, IRA, and HSA requirements.
Fixed rate certificate, IRA, and HSA requirements.
Minimum balance to earn APY: $100,000
Paid Monthly
$10
$10
Compounded Quarterly
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Metamora, IN CD Rate Trends
Compare local Metamora, IN CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Indiana 12-month CD rates fell 0.036 points over the past 7 days to 2.788% APY.
Indiana 6-month CD rates rose 0.037 points over the past 7 days to 2.287% APY.
IN CD Rate Forecast — Next 12 Months
Where are Indiana CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at IN CD Rates Today
Annual interest earnings at today’s Indiana average APYs. State average used where available; national average as fallback.
| CD Term | IN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.020% | $101.02 | $202.04 | $505.10 | $1,010.20 |
| 6-Month CD | 2.287% | $114.34 | $228.68 | $571.70 | $1,143.40 |
| 12-Month CD | 2.788% | $139.38 | $278.76 | $696.90 | $1,393.80 |
| 18-Month CD | 2.252% | $112.58 | $225.15 | $562.88 | $1,125.75 |
| 24-Month CD | 2.653% | $132.67 | $265.34 | $663.35 | $1,326.70 |
| 36-Month CD | 2.611% | $130.57 | $261.13 | $652.83 | $1,305.65 |
| 48-Month CD | 2.604% | $130.20 | $260.39 | $650.98 | $1,301.95 |
| 60-Month CD | 2.674% | $133.71 | $267.41 | $668.53 | $1,337.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Metamora, Indiana Savers
$25,000 split equally across 5 terms using today’s Indiana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.020% | $101.02 |
| 2 | 6-Month CD | $5,000 | 2.287% | $114.34 |
| 3 | 12-Month CD | $5,000 | 2.788% | $139.38 |
| 4 | 24-Month CD | $5,000 | 2.653% | $132.67 |
| 5 | 36-Month CD | $5,000 | 2.611% | $130.57 |
| Total ($25,000 invested) | $25,000 | 2.472% blended | $617.98/yr | |
Ladder example uses equal $5,000 rungs and Indiana average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Metamora, Indiana
About Our Metamora, Indiana CD Rate Database
MonitorBankRates tracks 654 CD rates from 41 banks and 51 credit unions with locations in Metamora, Indiana, plus national online institutions available to Indiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Indiana University Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Metamora, Indiana.
How to Find the Best CD Rates in Metamora, Indiana
What to compare when shopping for a CD in Metamora, Indiana
To find the best APYs in Metamora, Indiana, start with credit unions and online-only banks — Metamora, Indiana has 51 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Metamora, Indiana
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Metamora, Indiana — 92 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Metamora, Indiana savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Metamora, Indiana money market rates
Indiana Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
16.8% of residents are 65 or older — below the national average of 17.3%. At today’s IN 12-month CD average of 2.788%, saving 10% of the local median salary ($4,324/year) and putting it in a CD would earn an additional $121 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Metamora, Indiana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Metamora, Indiana
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Metamora, Indiana typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Metamora, Indiana as everywhere in the U.S.
Choosing a CD Term in Metamora, Indiana
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Metamora, Indiana savers easier access to their funds. For example, Indiana University Credit Union is offering its 6-month paid monthly at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Via Credit Union is offering its 60 Month Certificate at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Metamora, Indiana Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Metamora, Indiana saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Metamora, Indiana
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Metamora, Indiana CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Metamora, Indiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Metamora, Indiana depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Metamora, Indiana
Are CD rates in Metamora, Indiana FDIC insured?
Do I have to pay state taxes on CD interest in Metamora, Indiana?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Metamora, Indiana?
- Indiana University Credit Union: 4.50% APY (6-month paid monthly)
- Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate)
- Evansville Firefighters Federal Credit Union: 4.30% APY (1-Year Jumbo)
- United Fidelity Bank: 4.15% APY (6-Month CD Term)
- Policemens Federal Credit Union: 4.10% APY (6 months)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- Partners 1st Federal Credit Union: 4.07% APY (24 months)
- Advantage Plus Of Indiana Federal Credit Union: 4.01% APY (36 Month Traditional Certificate)
- Via Credit Union: 4.00% APY (60 Month Certificate)
- PrimeTrust Financial Federal Credit Union: 4.00% APY (IRA Certificates 1 Year)
CD Calculators for Metamora, Indiana
At today’s IN top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Metamora, Indiana CD LadderIN CD rates currently range from 2.020% (3-month) to 2.611% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Metamora, Indiana CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIndiana’s average 12-month CD is 2.788% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Metamora, Indiana CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Metamora, Indiana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Metamora, Indiana. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
