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Metro Bank


Metro Bank is not a typical bank – and we think that’s a good thing. By design, we don’t offer many of the standard bank products such as checking, money market, or traditional savings accounts. We believe this approach allows Metro Bank to focus more clearly on our mission of providing financial and developmental resources that create real opportunities in our community.

Socially conscious investment – While you earn a market rate of interest, we invest your fully insured deposit in underserved markets to create jobs and expand economic activity.

Certificates of Deposit

Metro Bank offers a variety of Certificate of Deposit (CD) accounts to fit your needs. Our CDs are available for investment by individuals and businesses, earn competitive interest rates, and are FDIC insured up to $250,000. For more information, contact our Deposit Account Rep at 502-778-7000.

We can also insure your deposits over $250,000. Ask us about our CDARS program!

Market-Rate CD

The Market Rate CD gives you a competitive interest rate and the most flexibility on your investment. You determine the duration of your investment and the amount you want to save.

  • Terms from 3 Months to 60 Months
  • Competitive market rate
  • $200 minimum deposit

Savings CD

The Savings CD offers you the convenience of a savings account while you earn a competitive CD rate. This account is ideal for the investor that wants to begin a savings program while helping Metro Bank meet its mission.

  • 24-Month Term
  • $100 minimum deposit
  • Unlimited number of additional deposits allowed
  • Up to 4 withdrawals allowed per year without any penalty

Easy Access CD

With the Easy Access CD, your investment is easily accessible after just one week. This CD is ideal for the investor who wants a competitive rate of return and easy access to their funds.

  • Minimum 6-month term
  • $1,000 minimum deposit
  • Redeemable without penalty after 7 days

Community CD™

This socially responsible investment lets you become a stakeholder in your community. The depositor sets a below-market rate of return, and Metro Bank uses the foregone interest to support community development programs.

  • A socially responsible investment
  • $200 minimum deposit

Individual Retirement Accounts

Metro Bank offers a variety of Individual Retirement Accounts (IRAs) to fit your needs. Our IRAs earn competitive interest rates and are FDIC insured up to $250,000. For more information, contact our Deposit Account Rep at 502-778-7000.

Traditional IRA

An individual retirement account established for the benefit of one person.

Roth IRA

A retirement account established for the benefit of an individual. The earnings on the contributions accumulate tax-free as long as the five-year waiting period has been satisfied and qualifying distribution rules have been met.

SEP-IRA (Simplified Employee Pension Plan)

A retirement account designed for small businesses, or for a self-employed person to set up a retirement plan for themselves and his or her employees who meet the qualifications. The employer makes tax-deductible contributions directly into the IRA of all eligible employees.

Metro Bank

You’re building your dream. Let us help you.

You’re starting your business and need the financial support to make it happen. Our Small Business Loans can make your dream a reality. Metro Bank is approved to offer SBA loan products under SBA’s Preferred Lender/Express programs. Let’s talk.