Credit union · NCUA insured
Market USA Federal Credit Union Savings Rates
Market USA Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Market USA Federal Credit Union’s savings 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
3.75%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $375
High-Yield VIP Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
Market USA Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.25%
- QualifiedQualified3.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield VIP Savings
3.75%APY
Must pair with an active High-Yield VIP Checking Account and meet qualifications for VIP Checking Gold or Platinum tier. APY applies to balances up to $25,000; balances above $25,000 earn top-tier main share savings rate. If criteria are not met, rate earned is bottom tier main share savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Requires active VIP Checking account and meeting Gold or Platinum tier qualifications. Balances above $25,000 earn top-tier main share savings rate. If criteria not met, earns bottom tier main share savings rate.Up to $25,000 | 3.75% | $375 | Requires active VIP Checking account and meeting Gold or Platinum tier qualifications. Balances above $25,000 earn top-tier main share savings rate. If criteria not met, earns bottom tier main share savings rate. |
Membership Savings
Up to 0.06%APY
Required for Market USA membership. $5.00 minimum deposit required to open and maintain membership. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and credited monthly. | 0.05% | $5 | Dividends compounded and credited monthly. |
| $2,000 and upDividends compounded and credited monthly. | 0.05% | $5 | Dividends compounded and credited monthly. |
| $5,000 and upDividends compounded and credited monthly. | 0.06% | $6 | Dividends compounded and credited monthly. |
| $25,000 and upDividends compounded and credited monthly. | 0.07% | — | Dividends compounded and credited monthly. |
Name Your Savings
Up to 0.06%APY
No minimum balance requirement. Allows creating personalized savings sub-accounts for specific goals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends are compounded and credited monthly. | 0.05% | $5 | Dividends are compounded and credited monthly. |
| $2,000 and upDividends are compounded and credited monthly. | 0.05% | $5 | Dividends are compounded and credited monthly. |
| $5,000 and upDividends are compounded and credited monthly. | 0.06% | $6 | Dividends are compounded and credited monthly. |
| $25,000 and upDividends are compounded and credited monthly. | 0.07% | — | Dividends are compounded and credited monthly. |
Sources (3)
- marketusafcu.com/Accounts/Savings/Name-Your-Savings
- marketusafcu.com/Accounts/Savings
- marketusafcu.com/Rates/Savings-Rates
All captured Oct 4, 2026
Special-purpose accounts
Money Market
1.00%APY
Dividends compounded daily and credited monthly. Average daily balance method used. If applicant is under 18 years old, a parent or guardian who is 18 or older must be a joint owner. Deposits insured up to $250,000 by NCUA. No maturity date or term requirements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.05% | — |
| $2,000 – $10,000 | 0.75% | — |
| $10,000 – $20,000 | 1.00% | $100 |
| $20,000 – $50,000 | 1.10% | — |
| $50,000 – $100,000 | 1.15% | — |
| $100,000 and up | 1.25% | — |
Sources (2)
All captured Oct 4, 2026
Coverdell ESA Savings
0.10%APY
Coverdell Education Savings Account for qualified educational expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and credited monthly.Over $0 | 0.10% | $10 | Dividends compounded and credited monthly. |
Sources (2)
All captured Oct 4, 2026
Holiday Club
0.10%APY
No minimum balance requirement. No limits on withdrawals. Funds can be transferred to another account each fall or kept in account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and credited monthly.Over $0 | 0.10% | $10 | Dividends compounded and credited monthly. |
Sources (3)
- marketusafcu.com/Accounts/Club-Accounts
- marketusafcu.com/Accounts/Savings-Account-Comparison
- marketusafcu.com/Rates/Savings-Rates
All captured Oct 4, 2026
IRA Savings
0.10%APY
Available as Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and credited monthly.Over $0 | 0.10% | $10 | Dividends compounded and credited monthly. |
Sources (3)
- marketusafcu.com/Accounts/IRAs
- marketusafcu.com/Rates/Savings-Rates
- marketusafcu.com/Rates/Rate-Disclosures
All captured Oct 4, 2026
Vacation Club
0.10%APY
No minimum balance requirement. No limits on withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and credited monthly.Over $0 | 0.10% | $10 | Dividends compounded and credited monthly. |
Sources (3)
- marketusafcu.com/Accounts/Club-Accounts
- marketusafcu.com/Accounts/Savings-Account-Comparison
- marketusafcu.com/Rates/Savings-Rates
All captured Oct 4, 2026
Who can join Market USA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.