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Regular & IRA Certificate Rates

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 10/22/2025. $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

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.