Credit union · NCUA insured
Market USA Federal Credit Union CD Rates
Market USA Federal Credit Union’s best CD rate is 3.90% APY on a 10-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Market USA Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Market USA Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Market USA Federal Credit Union
3.90%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $324
Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Market USA Federal Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Market USA Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 3.90%APY · 9 terms
Minimum deposit for most certificates is $500 ($100 for 12 Month Accumulator). Preferred rates require eStatements (and direct deposit of net pay / at least $500/month for standard terms). Dividends are compounded daily and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase APY | 2.25% | $56 |
| 3 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 2.60% | $64 |
| 6 monthsBase APY | 2.90% | $144 |
| 6 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.25% | $161 |
| 10 monthsBase APY | 3.80% | $316 |
| 10 monthsPreferred APY includes a 0.10% premium. Enrollment/activation of eStatements is required to receive this premium. APY will decrease if eStatements are discontinued | 3.90% | $324 |
| 12 months12 Month Accumulator Base APY. Add $25 or more as often as you'd like | 2.25% | $225 |
| 12 months12 Month Accumulator Preferred APY. Includes a 0.35% premium. Direct deposit and eStatements required. Add $25 or more as often as you'd like | 2.60% | $260 |
| 12 monthsBase APY | 3.40% | $340 |
| 12 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.75% | $375 |
| 18 monthsBase APY | 3.15% | $476 |
| 18 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.50% | $530 |
| 24 monthsBase APY | 3.20% | $650 |
| 24 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.55% | $723 |
| 36 monthsBase APY | 2.90% | $895 |
| 36 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.25% | $1,007 |
| 48 monthsBase APY | 3.00% | $1,255 |
| 48 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.35% | $1,409 |
| 60 monthsBase APY | 3.10% | $1,649 |
| 60 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.45% | $1,848 |
Sources (3)
- marketusafcu.com/Accounts/Certificates
- marketusafcu.com/Rates/Rate-Disclosures
- marketusafcu.com/Accounts/IRAs
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 3.90%APY · 9 terms
Minimum deposit for most certificates is $500 ($100 for 12 Month Accumulator). Preferred rates require eStatements (and direct deposit of net pay / at least $500/month for standard terms). Dividends are compounded daily and credited monthly. Traditional, Roth, and ESA certificates share this rate schedule.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase APY | 2.25% | $56 |
| 3 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 2.60% | $64 |
| 6 monthsBase APY | 2.90% | $144 |
| 6 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.25% | $161 |
| 10 monthsBase APY | 3.80% | $316 |
| 10 monthsPreferred APY includes a 0.10% premium. Enrollment/activation of eStatements is required to receive this premium. APY will decrease if eStatements are discontinued | 3.90% | $324 |
| 12 months12 Month Accumulator Base APY. Add $25 or more as often as you'd like | 2.25% | $225 |
| 12 months12 Month Accumulator Preferred APY. Includes a 0.35% premium. Direct deposit and eStatements required. Add $25 or more as often as you'd like | 2.60% | $260 |
| 12 monthsBase APY | 3.40% | $340 |
| 12 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.75% | $375 |
| 18 monthsBase APY | 3.15% | $476 |
| 18 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.50% | $530 |
| 24 monthsBase APY | 3.20% | $650 |
| 24 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.55% | $723 |
| 36 monthsBase APY | 2.90% | $895 |
| 36 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.25% | $1,007 |
| 48 monthsBase APY | 3.00% | $1,255 |
| 48 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.35% | $1,409 |
| 60 monthsBase APY | 3.10% | $1,649 |
| 60 monthsPreferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services | 3.45% | $1,848 |
Sources (3)
- marketusafcu.com/Accounts/IRAs
- marketusafcu.com/Rates/Savings-Rates/Certificate-Rates
- marketusafcu.com/Rates/Rate-Disclosures
All captured Oct 4, 2026
Who can join Market USA Federal Credit Union
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