Your future self’s best friend.
Let’s face it: spending happens naturally. Saving? That takes thought. We make saving simple with our automated options. Imagine your world without financial stress. That’s where consistent saving can take you. Because life loves surprises, both good and bad. Build a safety net of 3-6 months’ worth of living expenses. Start your saving journey today!
Here’s the rundown.
Metro Savings
Saver, meet Metro, where smaller balances are rewarded with a higher rate of return. No sum is too small to grow into something great.
Wealth Builder
When you need the discipline to make savings a habit, Wealth Builder helps with mandatory monthly deposits and limited withdrawal access.
Christmas Club
Be the merry master of saving. Automate it to magically build a holiday stash. In November, your funds are ready, just in time for shopping.
Montana Medical Savings
Save for out-of-pocket current and future medical expenses. Funds are free from Montana state taxes.
Earn high rates with any amount
Metro Savings
Say goodbye to locked-in deposits and hello to high-yield savings! With our Metro Savings Account, you can finally earn a competitive rate of return, even if you don’t have a ton of cash stashed away.
- Start Saving Right Now: No minimum deposit required, start with any amount less than $10,000.
- High Rates: Earn a return that counts toward your financial goals.
- Flexible Access: Your money is yours. There are no restrictions on deposits or withdrawals. *eStatements are required.
Savings Calculators
How can I save a million dollars?
Calculate how much you need to save each month to accumulate a million dollars.
How much could I save over time?
Use this calculator to get the total amount you would be able to save with monthly deposits.
What rate would I need to earn on my savings?
Compute the rate of return you would need to reach your savings goal.
What savings amount should I start with?
Calculate how much money you would need to start with to reach a savings goal.
How much should I save each month?
Compute the monthly deposit amount needed to reach a savings goal.
Home Financing
- Should I refinance?
- How much will my fixed rate mortgage payment be?
- How much will my adjustable rate mortgage payments be?
- How much will my payments be for a balloon mortgage?
- Should I rent or buy?
- Which mortgage is better for me?
- How much will I save by increasing my mortgage payment?
- How much mortgage might I qualify for?
- How much home can I afford?
- Should I consolidate my loans?
Personal Financing
- How much car can I afford?
- How long will it take to pay off my credit card?
- How much do I need to save for college?
- How much will I need to save for a major purchase?
- How much can I afford to borrow?
- What is my loan rate?
- How long will it take to pay off my loan?
- How much will my loan payments be?
- Should I consolidate my loans?
- Is an Auto Loan or Home Equity Loan best for purchasing a car?
- How soon can I eliminate my debts?
Investment
- What is the yield on my portfolio?
- How can I save a million dollars?
- What is my investment yield?
- What is my future value worth today?
- What will my investment be worth in the future?
- How much could I save over time?
- What rate would I need to earn on my savings?
- What savings amount should I start with?
- How much should I save each month?
Retirement
- Which is better for me, a Traditional IRA or a Roth IRA?
- How much will my Traditional IRA be worth at retirement?
- How much will my Roth IRA be worth at retirement?
- How long will my retirement savings last?
- What rate do I need to support my retirement?
- How much do I need to fund my retirement?
- How much can I spend each month in retirement?
The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
Presented by TimeValue Software ©2025
Savings FAQs
Is there a minimum deposit required to open a savings account?
A minimum deposit and balance of $25 ($5 if you are ages 0-11) is required to open and maintain a member savings account.
How do I earn interest on my savings account?
Interest is typically calculated on your average daily balance and credited to your account monthly. The interest rate you earn depends on the type of savings account you have.
Is my money safe in a savings account?
Yes, your money is safe. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).
Is a certificate of deposit a good savings strategy?
A certificate of deposit (CD) is a smart savings strategy because it typically offers higher interest rates than regular savings accounts, allowing your money to grow faster. With a CD, you agree to leave your funds in the account for a specified term, ranging from a few months to years. In return, you earn a guaranteed, fixed interest rate over that period. CDs are low-risk and insured by the National Credit Union Administration (NCUA) up to $250,000, providing a safe and predictable way to save. They are ideal for reaching long-term financial goals, as they discourage impulsive withdrawals and promote disciplined saving. Learn more about our certificate options
Do you have more questions? Let’s talk about your savings goal.