Savings Account Comparison

The right savings account is right here

Whether you're starting your child's savings journey, putting away money for specific purchases or creating an emergency fund, Market USA offers multiple savings accounts tailored to any purpose. And you can use Online Banking or our Mobile App to track all your growth.

Choose the Savings Account to Reach Your Goals
	Membership Savings Learn More	High-Rate VIP Savings Learn More	Dollar Dog Learn More	Elements of Money Learn More	Holiday Club Learn More	Vacation Club Learn More	Money Market Learn More	Share Certificates Learn More
Overview	Required for Market USA membership	The perfect pairing with High-Rate VIP Checking	For children ages 12 and under	For young adults ages 13-17	Save all year long for memorable holiday moments	Start planning and saving for a special trip	Earn higher dividends and keep your money accessible	Earn a competitive and guaranteed rate of return on your savings
Minimum Balance	$5.00 to open	No minimum balance requirement	$5.00 to open	$5.00 to open	No minimum balance requirement	No minimum balance requirement	$2,000 opening balance	$500 opening balance; $100 opening balance for Accumulator Certificate
Monthly Maintenance Fee	No	No	No	No	No	No	No	No
Dividends	Compounded monthly and paid monthly	Compounded monthly and paid monthly	Compounded monthly and paid monthly	Compounded monthly and paid monthly	Compounded monthly and paid monthly	Compounded monthly and paid monthly	Compounded monthly and paid monthly	Compounded daily and paid monthly
Requirements	N/A	Must have a High-Rate VIP Checking Account	Parent/Guardian must be on account	Parent/Guardian must be on account	N/A	N/A	N/A	N/A
Exclusive Options	N/A	N/A	Child receives a birthday mailer from Dollar Dog $1.00 will be deposited during birthday month Coloring Sheets and activities located on website	Quarterly online newsletter Social media contests and prizes Annual scholarship contest	Save via automatic transfers or payroll deduction Option to automatically transfer to account of choice	Save via automatic transfers or payroll deduction	Competitive dividend rates	•Choice of where you want dividends to go – toward your certificate principal or another account

Account Withdrawals – Savings Accounts: There is a $2 Excess Withdrawal fee for each teller-processed withdrawal in excess of six (6) per month. Club Accounts: There is a $5 Excess Withdrawal fee for Holiday Club withdrawals in excess of one per year and Vacation Club in excess of three per year.

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.