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A money-making companion for our VIP Checking Account.
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While our High-Rate VIP Checking Account rewards you for using eStatements, direct deposits of $500 per month, and at least 12 debit card purchases, the VIP Savings Account lets you take your earning power even further. By pairing VIP Savings with VIP Checking (required for a VIP Savings account), you can double down on your dividends and maximize your earning power. It’s our way of saying thank you for actively using your financial cooperative.
Open a VIP Savings account by logging into Online Banking or our Mobile App and selecting "Account & Services → Open Account," calling 301-586-3400 or stopping by a branch.
You must first have opened your VIP Checking account before you can open a VIP Savings account.
Account access through digital banking, shared branches and surcharge-free ATMs.
On balances up to $25,000
Rates effective as of 2/19/2026. Dividends are compounded and credited monthly.
Requirements to earn VIP Savings APY: (1) an active VIP Checking account; (2) qualifications met for the VIP Checking Gold or Platinum tier. APY applies to balances up to $25,000; balances above $25,000 will earn the top-tier main share savings rate. If VIP Checking criteria is not met, rate earned will be the bottom tier main share savings rate.
Rate Disclosures
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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There is no minimum balance to open or maintain the account.
There are no maintenance fees. The VIP Savings account is free.
Maximize your savings potential with a short or longer-term commitment.
Easily transfer funds through Online Banking or our Mobile App.
Earn one of the highest rates nationwide with no monthly maintenance fees.
Save time with easy and convenient options.