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Deposit Rates

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 12/21/2024.

*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

Regular Checking Account Rates
Balance APY Dividends Compounded/Credited
$1,000.00 0.01% Monthly/Monthly

Rates effective as of 12/21/2024.

Rate Disclosures

Regular & IRA Certificate Rates
Account Term Base APY Preferred APY* Min. to Open & Earn APY Dividends Compounded / Credited
10 Month Special 4.00% 4.10%** $500 Daily / Monthly
12 Month Accumulator 2.35% 2.70% $100 Daily / Monthly
3 Months 2.35% 2.70% $500 Daily / Monthly
6 Months 3.40% 3.75% $500 Daily / Monthly
12 Months 3.45% 3.80% $500 Daily / Monthly
18 Months 3.15% 3.50% $500 Daily / Monthly
24 Months 3.35% 3.70% $500 Daily / Monthly
36 Months 3.10% 3.45% $500 Daily / Monthly
48 Months 3.10% 3.45% $500 Daily / Monthly
60 Months 3.15% 3.50% $500 Daily / Monthly

Rates effective as of 12/21/2024.

*PREFERRED APY: The Preferred APY includes a 0.35% premium. Direct Deposit and eStatements are required to receive this premium. Your APY will decrease if you discontinue these services.

**PREFERRED APY: 10 Month Special - APY includes a 0.10% premium. eStatements are required to receive this premium. Your APY will decrease if you discontinue eStatements.

If applicant is under 18 years old, a parent or guardian who is 18 or older must be a joint owner.

Rate Disclosures

Money Market Rates
Balance APY Dividends Compounded/Credited
$100,000 1.25% Daily/Monthly
$50,000 1.15% Daily/Monthly
$20,000 1.10% Daily/Monthly
$10,000 1.00% Daily/Monthly
$2,000 0.75% Daily/Monthly
$0.01 0.05% Daily/Monthly

Rates effective as of 12/21/2024.

If applicant is under 18 years old, a parent or guardian who is 18 or older must be a joint owner.

Rate Disclosures

Membership Savings Rates
Balance APY Min. to Open Dividends Compounded/Credited
$25,000 0.07%   Monthly/Monthly
$5,000 0.06%   Monthly/Monthly
$2,000 0.05%   Monthly/Monthly
$0.01 0.05% $5.00 Monthly/Monthly

Rates effective as of 12/21/2024.

$5.00 minimum balance required to maintain membership.

Rate Disclosures

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

Name Your Savings Rates
Balance APY Dividends Compounded/Credited
$25,000 0.07% Monthly/Monthly
$5,000 0.06% Monthly/Monthly
$2,000 0.05% Monthly/Monthly
$0.01 0.05% Monthly/Monthly

Rates effective as of 12/21/2024.

Rate Disclosures

Holiday Club Rates
Balance APY Dividends Compounded/Credited
$0.01 0.10% Monthly/Monthly

Rates effective as of 12/21/2024.

Rate Disclosures

Vacation Club Rates
Balance APY Dividends Compounded/Credited
$0.01 0.10% Monthly/Monthly

Rates effective as of 12/21/2024.

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.