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All Rates
| Savings Rates |
| APY Balance |
APY |
Dividends Compounded/Credited |
| $25,000 |
0.15% |
Monthly/Monthly |
| $5,000 |
0.15% |
Monthly/Monthly |
| $2,000 |
0.10% |
Monthly/Monthly |
| $0.01 |
0.05% |
Monthly/Monthly |
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Rate Disclosures
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| Rewards Checking Account Rates |
| VIP |
APY Balance |
APY |
Dividends Compounded/Credited |
| Platinum Tier |
$0.01 |
2.00%* |
Monthly/Monthly |
| Gold Tier |
$0.01 |
1.00%* |
Monthly/Monthly |
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Requirements to Earn APY: (1) enrollment in e-Statements; (2) Monthly Direct Deposit of at least $250 (VIP); direct deposit from a single source can not be used to meet the requirement for multiple accounts; (3) 12 Visa Debit Card Purchases per month; minimum purchase $5.00; purchases must be posted to the account by close of business on the last business day of the month; purchase returns will reduce your number of transactions; and (4) Platinum Tier only: 3 bill payments per month; bill payments must be posted to the account by close of business on the last business day of the month, must be at least $20 each, and may NOT be made payable to Market USA FCU or to any non-business payee. Splitting a single bill into three payments does not qualify. *APY applies to balances thru $50,000; balances above $50,000 earn the APY paid on regular checking accounts. One account per member/SSN.
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Rate Disclosures
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| Money Market Account Rates |
| APY Balance |
APY |
Dividends Compounded/Credited |
| $50,000 |
0.40% |
Monthly/Monthly |
| $20,000 |
0.30% |
Monthly/Monthly |
| $10,000 |
0.25% |
Monthly/Monthly |
| $2,000 |
0.15% |
Monthy/Monthly |
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Balances below $2,000 earn the APY paid on regular checking accounts.
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Rate Disclosures
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| Certificates Account Rates |
| Account Term |
Preferred APY |
APY Balance |
Dividends Compounded/Credited |
| 12 Month Accumulator |
0.40% |
$100 |
Daily/Monthly |
| 3 Months |
0.40% |
$500 |
Daily/Monthly |
| 6 Months |
0.50% |
$500 |
Daily/Monthly |
| 12 Months |
0.55% |
$500 |
Daily/Monthly |
| 18 Months |
0.60% |
$500 |
Daily/Monthly |
| 24 Months |
0.65% |
$500 |
Daily/Monthly |
| 36 Months |
0.75% |
$500 |
Daily/Monthly |
| 48 Months |
0.85% |
$500 |
Daily/Monthly |
| 60 Months |
0.80% |
$500 |
Daily/Monthly |
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PREFERRED APY: The Preferred APY includes a 0.35% premium. Direct Deposits and e-Statements are required to receive this premium.
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Rate Disclosures
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| Signature Loan Rates |
| Account Type |
Term |
APR |
Comments |
| Signature |
up to 48 Months |
10.34%* |
49-60 month loan term available: minimum loan amount $5,000. |
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*Rates shown include a .25% discount for automatic payment and a .10% discount for e-Statements.
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Rate Disclosures
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| Auto Loan Rates |
| Account Type |
Term |
APR |
Loan to Value |
| New and Used Car |
Up to 36 Months |
1.49%* |
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| New and Used Car |
37 to 48 Months |
2.14%* |
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| New and Used Car |
49 to 60 Months |
2.14%* |
NEW: MSRP + Tax, Tags, MRC & GAP |
| New and Used Car |
61 to 72 Months |
2.64%* |
USED: Lesser of 100% NADA Retail or Purchase Price |
| New and Used Car |
73 to 84 Months |
3.99%* |
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*Rates shown include a .25% discount for automatic payment and a .10% discount for e-Statements.
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Rate Disclosures
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| Home Equity Line of Credit Rates |
| Account Type |
APR |
Loan to Value |
Comments |
| Home Equity Line of Credit |
3.99% |
85% |
No closing costs provided initial advance is at least $20,000 and loan remains open 36 months. Minimum loan amount: $10,000, Maximum loan amount: $200,000 |
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Rate Disclosures
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| Fixed Rate Home Equity Rates |
| Term |
APR |
Loan to Value |
Comments |
| 5 Years |
5.75% |
Up to 80% |
No closing costs provided initial loan amount is $20,000 and loan remains open for 36 months. Minimum Loan Amount: $5,000. Maximum Loan Amount $100,000. Maximum Loan to Value (LTV) for owner-occupied and non-owner-occupied properties is 80% of tax assessed or appraised value. Rate based on credit evaluation. |
| 7 Years |
6.00% |
Up to 80% |
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| 10 Years |
6.00% |
Up to 80% |
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| 15 Years |
6.25% |
Up to 80% |
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Rate Disclosures
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