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High-Rate VIP Savings

A money-making companion for our VIP Checking Account.

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In this case, VIP could stand for Very Impressive Proceeds

With Market USA's High-Rate VIP Checking Account, you can generate higher dividends by signing up for eStatements and direct deposit of $500 per month and making at least 12 debit card purchases each month. With VIP Savings, you can double down on this strategy with a second account that also increases your earning power.


VIP Savings requirements

  • Maintain an active VIP Checking Account
  • Meet eStatement, direct deposit and debit card transaction qualifications for VIP Checking Gold or Platinum tiers
  • Highest APY applies to balances up to $25,000 - balances above $25,000 will earn the top tier main Share Savings rate.
  • If VIP Checking criteria are not met in any one month, you'll earn the bottom tier main Share Savings rate
  • Use automatic transfers to move funds between your two VIP accounts

Open a VIP Savings account by logging into Online Banking or our Mobile App and clicking on "New Account," calling 301-586-3400 or stopping by a branch.

Features & Benefits


High-Rate VIP Savings Rate
Balance APY Dividends Compounded/Credited
$0.01 2.50% Monthly/Monthly

Rates effective as of 12/21/2024.

Requirements to earn VIP Savings APY: (1) an active VIP Checking account; (2) qualifications met for the VIP Checking Gold or Platinum tier. APY applies to balances up to $25,000; balances above $25,000 will earn the top-tier main share savings rate. If VIP Checking criteria is not met, rate earned will be the bottom tier main share savings rate.

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.