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Savings Rates

High-Rate VIP Savings Rates
APY Balance APY Dividends Compounded/Credited
$0.01 2.50% Monthly/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

Membership Savings Rates
APY Balance APY Dividends Compounded/Credited
$25,000 0.07% Monthly/Monthly
$5,000 0.06% Monthly/Monthly
$2,000 0.05% Monthly/Monthly
$0.01 0.05% Monthly/Monthly

Rate Disclosures

Name Your Savings Rates
APY Balance APY Dividends Compounded/Credited
$25,000 0.07% Monthly/Monthly
$5,000 0.06% Monthly/Monthly
$2,000 0.05% Monthly/Monthly
$0.01 0.05% Monthly/Monthly

Rate Disclosures

High-Rate VIP Checking Rates
Tier APY Balance APY* Dividends Compounded/Credited
Platinum $0.01 4.50% Monthly/Monthly
Gold $0.01 2.01% Monthly/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.

Rate Disclosures

Regular Checking Account Rates
APY Balance APY Dividends Compounded/Credited
$1,000.00 0.01% Monthly/Monthly

Rate Disclosures

Young Adult Checking Account Rates
APY Balance APY Dividends Compounded/Credited
$1,000.00 0.10% Monthly/Monthly

Rate Disclosures

Regular & IRA Certificate Rates
Account Term Base APY Preferred APY* APY Balance Dividends Compounded / Credited
10 Month Special 4.40% 4.50%** $500 Daily / Monthly
12 Month Accumulator 2.15% 2.51% $100 Daily / Monthly
3 Months 2.15% 2.51% $500 Daily / Monthly
6 Months 2.65% 3.01% $500 Daily / Monthly
12 Months 3.65% 4.01% $500 Daily / Monthly
18 Months 3.85% 4.22% $500 Daily / Monthly
24 Months 3.80% 4.16% $500 Daily / Monthly
36 Months 3.55% 3.91% $500 Daily / Monthly
48 Months 3.55% 3.91% $500 Daily / Monthly
60 Months 3.55% 3.91% $500 Daily / Monthly

*PREFERRED APY: The Preferred APY includes a 0.35% premium. Direct Deposits and e-Statements are required to receive this premium.

**PREFERRED APY: 10 Month Special - APY includes a 0.10% premium. E-Statements are required to receive this premium.

Rate Disclosures

Holiday Club Rates
APY Balance APY Dividends Compounded/Credited
$0.01 0.10% Monthly/Monthly

Rate Disclosures

Vacation Club Rates
APY Balance APY Dividends Compounded/Credited
$0.01 0.10% Monthly/Monthly

Rate Disclosures

Money Market Rates
APY Balance APY Dividends Compounded/Credited
$100,000 1.50% Daily/Monthly
$50,000 1.25% Daily/Monthly
$20,000 1.20% Daily/Monthly
$10,000 1.00% Daily/Monthly
$2,000 0.75% Daily/Monthly
$0.01 0.05% Daily/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.