Holiday Hours Notice:

In Observance of New Year’s Market USA FCU will close at 1pm on New Year’s Eve and will be closed on New Year’s Day. We will resume normal business hours on January 2, 2026.

 

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Deposit Rates

Compare our rates to savings accounts and see why a high-yield checking account is the smart choice for your money.

Competitive High-Yield VIP Checking Rates
Tier Balance APY*
Platinum $0.01 4.50%
Gold $0.01 2.01%

Rates effective as of 12/31/2025. Dividends are compounded and credited monthly.

*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. Dividends compounded and credited monthly.

Rate Disclosures

Regular Checking Account Rates
Balance APY
$1,000.00 0.01%

Rates effective as of 12/31/2025. Dividends are compounded and credited monthly.

Rate Disclosures

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 12/31/2025. $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

Money Market Rates
Balance APY
$100,000 1.25%
$50,000 1.15%
$20,000 1.10%
$10,000 1.00%
$2,000 0.75%
$0.01 0.05%

Rates effective as of 12/31/2025. Dividends are compounded daily and credited monthly.

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

Rate Disclosures

Membership Savings Rates
Balance APY
$25,000 0.07%
$5,000 0.06%
$2,000 0.05%
$0.01 0.05%

Rates effective as of 12/31/2025. Dividends are compounded and credited monthly.

$5.00 minimum deposit is required to open and maintain membership.

Rate Disclosures

High-Rate VIP Savings Rate
Balance APY
$0.01 2.50%

Rates effective as of 12/31/2025. 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

Name Your Savings Rates
Balance APY
$25,000 0.07%
$5,000 0.06%
$2,000 0.05%
$0.01 0.05%

Rates effective as of 12/31/2025. Dividends are compounded and credited monthly.

Rate Disclosures

IRA/ESA Savings Rate
Balance APY
$0.01 0.10%

Rates effective as of 12/31/2025. Dividends are compounded and credited monthly.

Rate Disclosures

Holiday Club Rate
Balance APY
$0.01 0.10%

Rates effective as of 12/31/2025. Dividends are compounded and credited monthly.

Rate Disclosures

Vacation Club Rate
Balance APY
$0.01 0.10%

Rates effective as of 12/31/2025. Dividends are compounded and credited monthly.

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.