Skip to main content

High-Rate VIP Checking

Your checking balance can earn more than you might imagine. 

Open Now

Platinum Tier: Earn 4.50% APY1

Gold Tier: Earn 2.01% APY1

Earn attractive dividends by taking a few simple steps

Our High-Rate VIP Checking is packed with great features and no monthly fees, making it a smart choice even if you’re not earning one of the highest dividend rates around. Want to make this account even better? Unlock an amazing rate by completing a few simple steps. Here's how to cash in: 1) Enroll in eStatements. 2) Arrange for direct deposit of at least $500 a month. 3) Make 12 (Gold tier) or 15 (Platinum tier) Visa debit card purchases per month. And if you don't meet those standards? It's OK. Try again next month - and in the meantime enjoy a wealth of first-rate money management tools.

  • No minimum to open
  • No monthly maintenance fees or minimum balance requirements
  • Earn higher dividends on deposits up to $15,000
  • Access to 30,000+ surcharge-free ATMs and 5,000+ Shared Branches
  • Link your Debit Card to your smartphone's Mobile Wallet for convenient one-tap and contactless purchases
  • Debit card controls provide extra security by allowing you to turn your card "off and on"
  • With Mobile Check Deposit2, you can deposit checks from anywhere using your mobile device
  • Use Online and Mobile Bill Pay to make payments without postage or envelopes
  • eStatements put important account information at your fingertips
  • Alerts notify you of important account activity

Direct Deposit Benefits

Enjoy additional advantages with a direct deposit of at least $500 into your checking account:

  • Eight free monthly transactions at CO-OP, Alliance One, PLUS®, and Star® ATMs (ATM surcharges may apply at PLUS® and Star® ATMs). Members under the age of 25 are also eligible, regardless of direct deposit.
  • Initial check order free (signature style only)
  • 0.35% premium on certificates (with direct deposit and eStatements)
  • 0.50% Relationship Rewards* discount on auto and personal loans (with direct deposit and eStatements). Get an additional 0.25% discount with auto pay.

Take Control of Your Finances with Our Digital Banking Tools

Our FREE digital banking tools are designed to help you save, track, and manage your money, and your credit, with ease. Stay in control with features that provide valuable insights, automation, and security—anytime, anywhere, including:

  • Credit Report Monitoring and Insights – Stay informed with full access to your credit score and report, detailed insights into what impacts your score, and tips to improve your score—all without affecting your credit.
  • Spending Analysis – Gain a clear picture of where your money is going and where you can save. Easily find recurring expenses to spot unused subscriptions.
  • Savings Goal Tracker – Set personalized savings goals, track your progress in real time, and stay motivated with visual insights—all within digital banking.
  • Recurring Transfers – Set up recurring transfers to automate your savings, pay loans on time, or move money between accounts—saving you time and ensuring your finances stay on track effortlessly.
  • Card Management – Manage your debit card with enhanced security features. Turn your card on or off, set up alerts, establish transaction limits, and more.

Whether you're managing your day-to-day spending, setting savings goals, or keeping a close eye on your credit, our digital banking tools are here to support you every step of the way. Make the smart choice for your financial future and start benefiting from these powerful features now.

Enroll Today

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

Rates effective as of 3/27/2025.

*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

1 Requirements to Earn APY:

1. Enrollment in eStatements;

2. Monthly Direct Deposit of at least $500 (VIP); direct deposit from a single source cannot be used to meet the requirement for multiple accounts;

3. 15 Visa Debit Card purchases per month for Platinum tier; 12 Visa Debit Card purchases per month for Gold tier; minimum purchase $5.00; purchases must be posted to the account by close of business on the last business day of the month; purchases made at the end of the month may not post until the following month, depending on the merchant, and will not count towards the previous month's qualifications; 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.

2 For Mobile Check Deposit availability, 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 14 years of age. Additional restrictions apply. See Mobile Deposit Terms & Conditions for details.

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.

View All

During the month in which the account qualifies, the VIP Account pays a higher Annual Percentage Yield on a portion of your account balance.

View all requirements on our VIP Checking page.

The requirements remain the same regardless of when you open your account.

No, as long as you meet the stated requirements during the month, you will receive rewards for that month.

If you do not meet the stated requirements then your VIP Checking account will not earn dividends for that particular month.

You can log into Online Banking at any time to check your status by selecting VIP Rewards from the Tools menu, or in the Mobile App by tapping More, Tools, then VIP Rewards.

If you have balances over $15,000, those funds will earn a lower APY which will make your actual APY lower than the stated premium APY for the VIP checking account.

This can be easily done by contacting our Call Center or visiting one of our branches. During the conversion process, your ATM/Debit card access, along with any electronic debits/credits will be automatically transferred to your new account. You will also be able to use your existing supply of checks.

Yes, your checking account number will be converted and you can continue using your checks.

Log into Digital Banking and choose "Check Services" from the Tools menu or click here to visit the Harland Clarke website. Select Personal Products to browse the product catalog. You will need a check from your previous order to complete this process. If you are placing an order for the first time, please contact Member Services at 301-586-3400.

  • Digital Banking

    Easily transfer funds through Online Banking or our Mobile App.

    Learn More

  • Overdraft Protection

    Have peace of mind knowing your transactions are covered.

    Learn More

  • Round-Up and Save

    Grow your savings, one purchase at a time.

    Learn More

  • Ways to Make Deposits

    Save time with easy and convenient options.

    Learn More