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Certificates

Put time to work for you and your money.

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No Risk, High-Reward Investment Options

What's in your financial future? Maybe a car or a boat. Wedding bells, college costs or vacation dreams. Whatever you're saving for, you can earn more with a Market USA Certificate. Choose a savings period that syncs up with your life plans, lock in an attractive earning rate, and watch your money grow worry-free right up until you need it.

  • Certificates range from three months to five years
  • Preferred rates available for members who have a monthly direct deposit of at least $500 and enroll in eStatements (Preferred rates are 0.35% higher than regular rates)
  • Minimum deposit for most certificates is $500
  • Lower opening deposit of $100 for our Accumulator Certificate. Add $25 or more as often as you'd like.
  • Dividends compounded daily and posted monthly

Early withdrawal of funds may mean a loss of dividend earnings. However, your initial deposit is never at risk.

Features & Benefits

  • Competitive Rates

  • Low Minimum Deposit

  • Secure Investment

Regular, IRA, & ESA Certificate Rates
Account Term Base APY Preferred APY*
10 Month Special 3.80% 3.90%**
12 Month Accumulator 2.25% 2.60%
3 Months 2.25% 2.60%
6 Months 2.90% 3.25%
12 Months 3.40% 3.75%
18 Months 3.15% 3.50%
24 Months 3.20% 3.55%
36 Months 2.90% 3.25%
48 Months 3.00% 3.35%
60 Months 3.10% 3.45%

Rates effective as of 11/1/2025. $500 minimum to open. $100 minimum to open on the 12 Month Accumulator. Dividends are compounded daily and credited monthly.

*PREFERRED APY: The Preferred APY includes a 0.35% premium. Direct Deposit and eStatements are required to receive this premium. Your APY will decrease if you discontinue these services.

**PREFERRED APY: 10 Month Special - APY includes a 0.10% premium. eStatements are required to receive this premium. Your APY will decrease if you discontinue eStatements.

If applicant is under 18 years old, a parent or guardian who is 18 or older must be a joint owner.

Rate Disclosures

Calculators

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.

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You can stop by a branch or call 301-586-3400. The option to open a certificate through Digital Banking is coming soon.

You can send us a secure message through Digital Banking, email memberservices@marketusafcu.com, or call 301-586-3400.

In Digital Banking, select your certificate, then Certificate Details and change your maturity preference. You can also email memberservices@marketusafcu.com or call 301-586-3400.

Yes, deposits are insured up to $250,00 through NCUA, a government agency.

The penalty depends on the term of your certificate. Please see our disclosure for details.

You don’t have to do anything. The certificate is automatically set up to renew for the same term.

Yes, if you are enrolled in eDocuments, you will receive an email when your notification is available in Digital Banking. If you are not enrolled, you’ll receive a notification through the mail.

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