High-Rate VIP Checking

Platinum Tier: Earn 3.01% APY*

Gold Tier: Earn 2.01% APY*

Enjoy all the benefits of our free Regular Checking account, PLUS, earn more with our High-Rate VIP Checking account! Simply meet the easy requirements to earn a higher dividend rate on your balance up to $15,000. All of our checking accounts offer a Mobile App with Mobile Check Deposit1 and Bill Pay, Online Banking with transfer of funds in and out of Market USA, and a Visa Check Card with Cash Back - All for Free! Plus, all of our checking accounts have NO minimum balance fees and NO per check charges. You can also enjoy access to 30,000 surcharge-free ATMs, a network of 5,000 Shared Branches nationwide plus our three branches, overdraft protection options and our Member Service Center (you can text, call, email or secure message us inside our Mobile App or on our website).

High-Rate VIP Free Checking Rates
VIP APY Balance APY Dividends Compounded/Credited
Platinum Tier $0.01 3.01% Monthly/Monthly
Gold Tier $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. One account per member/SSN.
Rate Disclosures   View All Rates

Eight(8) free monthly transactions
if you have direct deposit of $500+ or for all members under the age of 25 (ATM surcharges may apply; $1 ATM transaction fee after the 8 free)

No monthly maintenance fees or per-check charges

Access to nearly 30,000 surcharge-free CO-OP and Alliance One Network ATMs nationwide

+ Requirements to Earn APY:

  1. Enrollment in e-Statements;
  2. Monthly Direct Deposit of at least $500 (VIP); direct deposit from a single source can not be used to meet the requirement for multiple accounts;
  3. 12 Visa Debit Card Purchases per month; minimum purchase $5.00; purchases must be posted to the account by close of business on the last business day of the month; 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
  4. Platinum Tier only: 3 bill payments per month using Market USA's Bill Pay service; bill payments must be posted to the account by close of business on the last business day of the month, must be at least $20 each, and may NOT be made payable to Market USA FCU or to any non-business payee. Splitting a single bill into three payments does not qualify. Bill payments must be sent electronically to count towards the qualification requirement.


  1. Membership must be established for at least 90 days; checking account must be opened for at least 30 days; account must be in good standing; primary account holder must be at least 13 years of age. Additional restrictions apply. See Mobile Deposit Terms & Conditions for details.