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Market USA Federal Credit Union

More than a great checking account.

Looking for an account that has it all? Our High-Rate VIP Checking is one of the best checking accounts nationwide! You’ll enjoy no monthly maintenance fees and no minimum balance requirements, regardless of whether you qualify for our exclusive high rates. Meanwhile, you can easily manage your money through a variety of digital banking tools.

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No minimum to open

No monthly fees or minimum balance requirements

Expense tracking to monitor spending

Set & track goals

Credit Score Tools

Get instant access to your daily credit score, credit report monitoring, credit score simulator and personalized tips to improve your score.

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Convenient resources at your fingertips.

 

Access to 30,000+ surcharge-free ATMs and 5,000+ Shared Branches.

 

Link your debit card to your smartphone's digital wallet for convenient one-tap and contactless purchases.

 

Debit card controls provide extra security by allowing you to turn your card "off and on".

 

Deposit checks from anywhere using your mobile device with Mobile Check Deposit.

 

Send and receive money from friends and family with Zelle.

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Money management made easy.

  

Track all your expenses and find hidden costs - all in one place!

 

Boost your savings - set & track savings goals, schedule recurring transfers, round up purchases to save, name your savings accounts, and more!

 

Simplify your finances with account aggregation - link accounts you have elsewhere for a complete view.

 

Stay in control with alerts.

Pair this with our High-Rate VIP Savings to grow your money even faster with 2.50% APY1.

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High-rate qualification.

Earn our highest rate by meeting simple monthly requirements - no fees, no fuss.

  • Enroll in eStatements
  • Arrange for direct deposit of at least $500 a month
  • Make at least 15 Visa debit card purchases of $5 or more per month (or 12 purchases for our 2.01% APY2 gold tier rate)
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    0.35% premium on certificates with at least $500 monthly direct deposit and eStatements

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    Each depositor is insured to at least $250,000

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    U.S.-based Member Service Center

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Not a member yet?

Becoming a member is easy and opens the door to all our products, including our free High-Rate VIP Checking Account. If you're connected to one of our Select Employee Groups (SEGs), or related to an existing member, you can join simply by opening a $5 Membership Savings account at the same time you open your VIP Checking Account. Not part of a SEG? No problem! You can still become a member by making a $5 donation to the Market USA Cares Foundation during the new account opening process. Joining us means you’re part of a community that’s here to help you achieve your financial goals.

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About Market USA

Market USA Federal Credit Union is a full-service financial institution that has been dedicated to serving its members since 1953. Originally founded to support the employees and families of Giant Food, we’ve since expanded our charter to offer membership to a wider community. With branches in Maryland and South Carolina, and nationwide access through the Shared Branch Network, we are committed to helping our members achieve their financial goals. Enjoy competitive rates, fewer fees, free digital financial management tools, and valuable financial education when you join. Let us help you make the most of your financial journey.

Disclosures: 1Annual Percentage Yield (APY) 6/1/25 and subject to change. APY applies to balances thru $15,000; balances above $15,000 earn the APY paid on regular checking accounts. Qualifications must be met by the end of the month to earn dividends. One account per member/SSN. Requirements to Earn APY: Enrollment in eStatements; Monthly Direct Deposit of at least $500 (VIP); direct deposit from a single source cannot be used to meet the requirement for multiple accounts; 15 Visa Debit Card purchases per month for Platinum tier; 12 Visa Debit Card purchases per month for Gold tier; minimum purchase $5.00; purchases must be posted to the account by close of business on the last business day of the month; purchases made at the end of the month may not post until the following month, depending on the merchant, and will not count towards the previous month's qualifications; purchase returns will reduce your number of transactions; multiple transactions of the same amount, on the same day, may cause your transactions to post manually, which will not count towards the qualification limits. 2APY effective 6/1/25 and subject to change. 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 membership savings rate. If VIP Checking criteria is not met, rate earned will be the bottom tier main share savings rate.