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Membership Savings

Take the first step in your new financial journey.

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What do you get when you open a Market USA Membership Savings account? First, you get a great place to build up your cash reserves and prepare yourself for almost anything the future might bring. Plus, this account establishes your Market USA membership, giving you access to the credit union's high-performance deposit accounts, low-cost loans, time-saving technology and other first-class financial services.

  • Low minimum opening deposit of $5
  • Competitive dividend earnings
  • Monitor your progress and manage money with Online Banking or our Mobile App
  • Build up your balance by scheduling automatic transfers from your Market USA checking account or by dividing your direct deposit funds between checking and savings

Features & Benefits

  • Establishes Membership

    Once you become a member, you can enjoy all the benefits of membership

  • Tiered Dividends

    The more you save, the more you earn

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 6/13/2026. Dividends are compounded and credited monthly.

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

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.

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You can still join Market USA through making a $5 donation to the Market USA Cares Foundation.

A $5 minimum balance is required to maintain your membership savings account.

You can set up any savings account as Overdraft Protection. Just let us know and we’ll take care of the rest.

Yes, you can add a joint owner through Digital Banking. Log in, select Accounts & Services, then choose Add Joint Owner and follow the on-screen instructions.

Adding a joint owner will automatically extend joint ownership to all current and future deposit accounts, and all joint owners will have equal ownership rights and shared access to the account(s) and funds.

  • Digital Banking

    Easily transfer funds through Online Banking or our Mobile App.

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  • High-Yield VIP Checking

    Earn one of the highest rates nationwide with no monthly maintenance fees.

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  • Visa Platinum Card

    No annual fee, balance transfer fee or cash advance fee.

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  • Ways to Make Deposits

    Save time with easy and convenient options.

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