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High-Rate VIP Checking

Your checking balance can earn more than you might imagine. 

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Platinum Tier: Earn 4.50% APY1

Gold Tier: Earn 2.01% APY1

Earn attractive dividends by taking a few simple steps

High-Rate VIP Checking comes with no monthly fees and tons of money-making potential. Here's how to cash in on some of the highest dividend rates around: 1) Enroll in eStatements. 2) Arrange for direct deposit of at least a $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 Visa Debit Card to your smartphone's Mobile Wallet for 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). 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.
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

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.

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