Market USA FCU Offers 10-Month CD Special and Reward Checking


UPDATE 5/23/2018: 10-month Tax Time Certificate Special is now available through May 31, 2018.

UPDATE 5/2/2018: 10-month Tax Time Certificate Special is now available through May 10, 2018.

Deal Summary: 10-month Tax Time Certificate Special, 2.50% APY, $500 min/$10k max deposit; VIP Checking Platinum Tier, 3.01% APY on qualifying balances up to $15k.

Availability: Easy membership requirement

Now through April 30, 2018, Market USA Federal Credit Union (Market USA) is featuring a 10-month Tax Time Certificate Special, earning a 2.50% Preferred APY that includes a 0.10% premium for activated e-Statements. The APY will decrease by 0.10% if the e-statements are discontinued at any time during the term of the CD. The minimum opening deposit is $500 of new money, and the maximum deposit is $10k. The $10k cap limits the amount that can be earned in this Certificate Special to about $208.

The Tax Time Certificate Special was unveiled early last week, with an initial 1.95% APY that lasted about five days before it was raised to the current 2.50% APY.

As stated in Market USA’s Terms and Conditions document, the Early Withdrawal Penalty reads as follows:

For certificates with terms of one year or less, the penalty is the loss of 90 days dividends.

VIP Checking Platinum Tier - Another Nationally-Available Reward Checking Account

Six months ago, Market USA raised the rate on its VIP Checking Platinum Tier to 3.01% APY on qualifying balances up to $15k. Qualifying balances of $15k+ earn the “APY paid on regular checking accounts,” which is currently 0.05% APY.

Last September, when I published news of this rate increase in a blog post, membership was primarily limited to residents of several eastern states. Since that time, the field of membership has expanded to allow people from any state to join, making the VIP Checking Platinum Tier a nationally-available reward checking account.

3.01*%-$15kMarket USA Federal Credit UnionVIP Checking Platinum Tier
OTHER TIERS: 0.05% $15k+
Rates as of May 28, 2020.

Monthly Qualification Requirements

  • At least $250 in direct deposits
  • At least 12 debit card purchases (minimum $5)
  • At least three bill payments
  • Be enrolled in eStatements

The VIP Checking account has no minimum balance requirement, no monthly maintenance fee, or per check charge. There is a limit of one VIP Checking account per member/Social Security number. While there is no reimbursement for foreign ATMs, Market USA is a member of the CO-OP network, giving its members access to more than 30,000 surcharge-free ATMs nationwide.


Headquartered in Laurel, Maryland, Market USA Federal Credit Union’s field of membership (FOM) provides a way for almost any U.S. citizen or resident alien to join.

Easy Membership: Membership in the Market USA Cares Foundation (minimum $10 donation) qualifies for Credit Union membership.

Residency: Residents of Georgia, North Carolina, South Carolina, and Tennessee are eligible to join Market USA through the Carolina Chapter of the American Consumer Council (ACC), and residents of Maryland, Pennsylvania, Virginia, Washington D.C., and West Virginia are eligible to join through the Maryland ACC Chapter.

If joining Market USA through ACC, please put ACC - SC or ACC-MD as the Group you are affiliated with. By doing so, when you join Market USA, you will also become a member of ACC at no cost to you.

Employment/Affiliation: Employees and retirees more than 25 Partner Organizations (mostly grocery store chains), and members of more than 80 other organizations are eligible to join.

Family Relationship: Immediate family (spouse, children, parents, grandparents, grandchildren, siblings) or household members of existing Market USA members are also welcome to apply.

Like other credit unions, Market USA subscribes to the “once a member, always a member” rule, but according to the fine print on the “Why Join Market USA?” page,

You must complete at least one transaction per year for your account to remain active.

Sometime in the last six months, Market USA added a membership online application, which can also be used to open a Tax Time Certificate Special. If you prefer a brick-and-mortar experience Market USA has three branch locations in Laurel and Landover, Maryland, and Greenville, South Carolina.

Credit Union Overview

Market USA Federal Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.51% (excellent) based on December 31, 2017 data. In the past year, the Credit Union has increased its total non-brokered deposits by $2.64 million, an excellent annual growth rate of 3.37%. Please refer to our financial overview of Market USA Federal Credit Union (NCUA Charter # 9003) for more details.

Market USA Federal Credit Union was originally established in 1953 as Giant Food Department Stores Federal Credit Union. In the past 65 years, the Credit Union has gone through three name changes, three mergers, and a FOM expansion, which has resulted in a significant presence throughout the Southeast. Market USA currently has more than 17,300 members and assets in excess of $103 million.

How the Tax Time Certificate Special Compares

When compared to the similar length-of-term CDs tracked by that require a similar minimum deposit and are nationally available, Market USA Federal Credit Union's 10-month Tax Time Certificate Special APY currently ranks first.

The above rates are accurate as of 3/29/2018.

To search for the best CD rates, both nationwide and state-specific, please refer to our CD Rates Table page.

Related Pages: Washington checking accounts, Greenville checking accounts, reward checking accounts, 1-year CD rates, nationwide deals

  |     |   Comment #1
Looked interesting until I saw the 10K max.
  |     |   Comment #2
Both these offers bomb in my view, - the CD for its miniscule deposit max (as Att notes), and the RCA for its onerous Direct Deposit & Bill Pay requirements (not to mention the annoying $5 minimum transaction rule). What's the target market here given the much better alternatives?
  |     |   Comment #3
The short term rate is great, but I agree it's a small limit on the deposit. What's a better option right now?
  |     |   Comment #4
Way too many hoops for me to be jumping through for the 3% rate with a capped max.
  |     |   Comment #5
#3 NASA CU has a 2.25% for 11 months. The mimimum is 20K. Good rate for a short term.
  |     |   Comment #6
Agreed, already have the NavyFed 15 month, which is now 11 months, 2.25%. $50k maximum there. I just think 10 months at 2.50% is a great rate even for a small amount of money. Not sure why banks haven't responded to last week's fed rate increase like that had in previous increases. No movement of Savings rates or anything.
  |     |   Comment #7
Because 95%, based on Fed Watch, of people expected the rate increase.

Google "buy the rumor sell the news"

And, the 30 year Treasury is hitting new annual lows.

Google "inverted yield curve"
  |     |   Comment #9
The NASA deal has been dead for awhile now, I think.
  |     |   Comment #8
Offer has been extended through May 10, 2018.
  |     |   Comment #10
Offer has been extended again - valid until 5/31/18.
Market USA FCU Boosts VIP Checking Platinum Rate

UPDATE 3/29/2018: All U.S. citizens and resident aliens are eligible for membership by joining the Market USA Cares Foundation.

Deal Summary: VIP Checking Platinum Tier, 3.01% APY on qualifying balances up to $15k.

Availability: Easy membership requirement; Residents of Georgia, Maryland, North Carolina, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, D.C., and West Virginia; various Partner Organizations and SEGs.

I wrote about Market USA Federal Credit Union’s (Market USA) VIP Checking Platinum Tier almost two years ago, when it earned 2.00% APY on qualifying balances up to $15k. That...

Continue Reading
Market USA FCU (Multi-State) Has Competitive 60-Month CD
Availability: Residents of District of Columbia, Georgia, Maryland, North Carolina, Pennsylvania, South Carolina, Tennessee, Virginia, and West Virginia; various Partner Organizations and SEGs.

Last week, Maryland-based Market USA Federal Credit Union (Market USA) raised the rate on its 60-month CD (2.41% Preferred APY). The minimum opening deposit is $500 and there is no balance cap.

The Preferred APY includes a 0.35% premium; eligibility for the 0.35% premium requires having Direct Deposits and receiving e-Statements. The APY will decrease by 0.35% if the direct deposits or...

Continue Reading
4.00% Reward Checking Account at Market USA Federal Credit Union in MD, MA & SC - Local Only
Market USA FCU is offering a high yield reward checking account called VIP Checking. The account offers the following rates and features if certain monthly requirements are met:
  • 4.00% APY on balances up to $50,000
  • 0.10% on all amounts above $50,000
  • No interest is earned if requirements are not met
The monthly requirements include:
  • 12 Visa check card purchases (minimum $5 each)
  • One direct deposit of at least $250 of net pay
  • Enrollment in Internet Banking and eStatements
  • 3 online bill payments (minimum $20)
Additional features of the account regardless of the monthly requirements include:
  • No minimum balance requirement
  • No monthly...

Continue Reading
5.31% 13-Month CD at a MD/SC/MA Credit Union (Market USA).
Update 2/2/08: CD special has ended. Please check the credit union's website for the latest rates.

Market USA Federal Credit Union is offering a special 5.31% APY 13-month share certificate. The minimum deposit is $500.

Membership is primarily based on select employee groups. Please see their Membership page for the full details. Membership requires a $5 deposit in your savings account.

Branches are located in Maryland, South Carolina and Massachusetts. The credit union is federally insured by the NCUA (Charter # 9003). It has $80.3 million in assets and 22,114 members.

Continue Reading

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.