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Advertiser Disclosure
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 Metropolitan Bank and Trust Company Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Metropolitan Bank and Trust Company's 1 Year One Year CD rates are at 3.50%, 6-Month Six Month CD rates are at 3.28%, 3-Month Three Month CD rates are at 2.63%, 1-Month One Month CD rates are at 2.02%. Metropolitan Bank and Trust Company's savings rates are at 0.10%. Metropolitan Bank and Trust Company's top CD rate of 3.50% APY on a 12 month CD is 15% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Metropolitan Bank and Trust Company with a 5.0 Star Rating and an A+ Overall Health Grade. Rates last updated and verified on 11/06/2026. Metropolitan Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Metropolitan Bank and Trust Company? Share your experience about Metropolitan Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Metropolitan Bank and Trust Company. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Metropolitan Bank and Trust Company CD Rates
Metropolitan Bank and Trust Company Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Metropolitan Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Metropolitan Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Metropolitan Bank and Trust Company's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Metropolitan Bank and Trust Company
Website
https://www.metrobankny.com/
Address
10 E 53rd St,
New York, NY 10022 · New York
FDIC Certificate #
33656
Regulator
OCC
Established
September 5, 1962
FDIC Insurance Date
June 1, 1983
Domestic Offices
1
Total Branches
1
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.0000%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
$31,987,000
Total Deposits
$8,675,000
Equity Capital
$0
Net Income
$0
Headquarters
New York
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
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Frequently Asked Questions About Metropolitan Bank and Trust CompanyDoes Metropolitan Bank and Trust Company offer CDs?Yes. Metropolitan Bank and Trust Company current CD rates include its 1 Year One Year CD at 3.50% APY, its 6-Month Six Month CD at 3.28% APY and its 3-Month Three Month CD at 2.63% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Metropolitan Bank and Trust Company FDIC insured?Yes. Metropolitan Bank and Trust Company is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Metropolitan Bank and Trust Company?The highest Metropolitan Bank and Trust Company CD rate is its 1 Year One Year CD at 3.50% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Metropolitan Bank and Trust Company offer?Metropolitan Bank and Trust Company CD rates are 2.02% APY for a 1 month CD, 2.63% APY for a 3 month CD, 3.28% APY for a 6 month CD and 3.50% APY for a 12 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Metropolitan Bank and Trust Company for its full lineup. What is the highest savings rate at Metropolitan Bank and Trust Company?The highest Metropolitan Bank and Trust Company savings rate is its Savings Account at 0.10% APY, verified by MonitorBankRates as of November 6, 2026. How many branches does Metropolitan Bank and Trust Company operate?Metropolitan Bank and Trust Company currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Metropolitan Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Metropolitan Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history. Does Metropolitan Bank and Trust Company offer online and mobile banking?Most modern institutions like Metropolitan Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.metrobankny.com/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Metropolitan Bank and Trust Company rates compare?Metropolitan Bank and Trust Company's top CD rate of 3.50% APY on a 12 month CD is 15% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Metropolitan Bank and Trust Company's top rates are its 1 Year One Year CD at 3.50% APY and its Savings Account at 0.10% APY, verified by MonitorBankRates on November 6, 2026. Current Metropolitan Bank and Trust Company Rates
Retrieved from our database of financial products. Rates subject to change.
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