FDIC-Insured - Backed by the full faith and credit of the U.S. Government

 

Rates

  • Cash Management Accounts

    Interest Bearing Checking (IBC)*

    ACCOUNT BALANCEINTEREST RATEAPY1
    $0 - $999.990.09995%0.10%
    $1,000 - $4,999.990.09995%0.10%
    $5,000 - $24,999.990.09995%0.10%
    $25,000 - $49,999.990.24971%0.25%
    $50,000 - $99,999.990.24971%0.25%
    $100,000 - $999,999.990.39927%0.40%
    $1,000,000+0.49886%0.50%

    Money Market Account (MMA)*

    ACCOUNT BALANCEINTEREST RATEAPY1
    $0 - $9,999.990.49886%0.50%
    $10,000 - $24,999.990.49886%0.50%
    $25,000 - $49,999.990.74743%0.75%
    $50,000 - $99,999.990.99545%1.00%
    $100,000 - $499,999.991.24290%1.25%
    $500,000 - $999,999.991.48979%1.50%
    $1,000,000+1.73612%1.75%

    *Minimum balance to open an Interest Bearing Checking Account is $100. Minimum balance to open a Money Market Account is $5,000. Minimum to obtain APY is $0.01.

    1The Annual Percentage Yields (APY) shown on this product information sheet are subject to change without notice. The APY for these accounts are variable and may change after the account opens. Fees may reduce earnings.

  • Fixed Interest Rate Certificates of Deposit

    TERMINTEREST RATE <$100,000APY* <$100,000INTEREST RATE $100,000+APY* $100,000+
    1 MONTH0.49886%0.50%0.49886%0.50%
    3 MONTHS0.99545%1.00%1.48979%1.50%
    6 MONTHS1.73612%1.75%1.9819%2.00%
    12 MONTHS2.4718%2.50%2.71594%2.75%
    24 MONTHS2.4718%2.50%2.71594%2.75%
    36 MONTHS2.4718%2.50%2.71594%2.75%
    60 MONTHS2.4718%2.50%2.71594%2.75%

    *The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. Minimum opening deposit is $5,000.

  • Home Equity Lines of Credit

    As of 1/1/2026: Prime was 6.75%LTV: Up to 70%LTV: 70.01% - 80%LTV: 80.01% - 85%LTV: 85.01% - 90%
    Line of CreditAPR3,4Min APRAPR3,4Min APRAPR3,4Min APRAPR3,4Min APR
    $0-$99,999.99Prime + 0.50%6.75%Prime + 1.25%6.75%Prime + 2.00%6.75%Prime +3.00%6.75%
    $100,000 - $500,000Prime6.75%Prime + 0.75%6.75%Prime + 1.50%6.75%Prime + 2.50%6.75%

    30.2500% interest rate reduction for direct debit of monthly payment from a qualifying MetCap account is included in the APRs.

    4The Annual Percentage Rates (APRs) on MetCap Bank's Home Equity Lines of Credit are tied to Prime. Prime is the highest Prime Rate as published in the "Money Rates" section of The Wall Street Journal. The margin tied to Prime varies and depends on the approved credit line amount and combined loan-to-value. On 1/1/2026, Prime was 6.75% and the APR on MetCap Bank's Home Equity Line of Credit products varied between 6.75% and 10.00%. Prime is a variable rate; as it changes, the APR on your account will change. The maximum APR is 25%. A balloon payment will result at the end of the 5-year draw period. The Home Equity Lines are limited to owner-occupied, 1-4 family primary residences and are subject to either a first or second lien position on your property. You must carry insurance on the property that secures this loan. Flood insurance is required if necessary. Consult your tax advisor concerning the deductibility of interest. Closing costs paid by MetCap Bank are limited to appraisal, title insurance, flood certification and recording fees. Any additional fees or conditions imposed by the city, state, county or other private entities (i.e.-associations, etc.) that the subject property is located in will be the borrower's responsibility. The APRs are subject to change without notice. The HELOC finance charge is calculated using Average Balance. An annual fee of $50.00 will be assessed. Interest rates accurate as of: 1/1/2026.

  • First Mortgage Loans

    Mortgage interest rates change daily and will be quoted upon request.

Interest rates accurate as of: 1/1/2026.