Members earn high rates of return on their balances with Certificates (if you are not a member, it's easy to join online - see Product Links below). We have many rates and terms available, so you are sure to find a plan that fits your needs. Our preferred rates reflect a 0.35% premium added to our standard rates for members with Direct Deposit of $500 or more a month and e-Statements.

Looking for a certificate option with a lower opening balance? Open an Accumulator Certificate with as little as $100 -- and add $25 or more as often as you'd like, up to a maximum of $1,000!

Regular & IRA Certificate Rates
Account Term Base APY Preferred APY* APY Balance Dividends Compounded / Credited
10 Month Special 5.15% 5.25%** $500 Daily / Monthly
12 Month Accumulator 2.15% 2.51% $100 Daily / Monthly
3 Months 2.15% 2.51% $500 Daily / Monthly
6 Months 2.65% 3.01% $500 Daily / Monthly
12 Months 3.65% 4.01% $500 Daily / Monthly
18 Months 3.85% 4.22% $500 Daily / Monthly
24 Months 3.80% 4.16% $500 Daily / Monthly
36 Months 3.55% 3.91% $500 Daily / Monthly
48 Months 3.55% 3.91% $500 Daily / Monthly
60 Months 3.55% 3.91% $500 Daily / Monthly
*PREFERRED APY: The Preferred APY includes a 0.35% premium. Direct Deposits and e-Statements are required to receive this premium.

**PREFERRED APY: 10 Month Special - APY includes a 0.10% premium. E-Statements are required to receive this premium.
Rate Disclosures   View All Rates

Competitive dividend rates

Automatic renewal

Insured up to $250,000 by NCUA

  • Get more for your money and open a certificate today!
  • Log into our Mobile App or Online Banking and click "Open an Account." If you would like to transfer funds from another financial institution to Market USA, select Transfers & Send Money and then External Transfers to set up an account you have elsewhere (There will be a 3-day hold on Incoming funds from transfers inbound from other financial institutions). Transfers are limited to $5,000 per day and $15,000 per month.
  • Call 301-586-3400
  • Stop by a branch
  • Contact your other financial institution to wire funds into your Market USA Checking, Savings or Money Market account. See our Remote Banking / Transfers Page for wire instructions you will need to provide to the financial institution that you are wiring funds from. There is no fee to wire funds into Market USA, however, you will likely be charged by the financial institution originating the wire.