Market USA FCU offers one of the most competitive high-yield checking rates. See current rates below.
Update 5/28/23: Platinum Tier APY incrased from 4.00% to 4.50%
Update 2/15/23: APY rates updated
- Market USA FCU is headquartered in Laurel, Maryland.
- They have locations in Maryland and South Carolina and was established in 1953.
- Available nationwide via memberships, regardless of residency status.
READ MORE: GET TOP BONUSES FROM CHASE, AXOS, AND BMO.
Market USA FCU High Rate VIP Checking Platinum
- Rate offer*
| Platinum Tier | 4.50% |
| Gold Tier | 2.01% |
*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.
- Availability: Nationwide via membership
- Minimum for APY: $0
- Monthly service fee: None
- To earn the preferred APY
- Enrollment in e-Statements;
- Monthly Direct Deposit of at least $250 (VIP); direct deposit from a single source can not be used to meet the requirement for multiple accounts;
- 12 Visa Debit Card Purchases per month; minimum purchase $5.00; purchases must be posted to the account by close of business on the last business day of the month; purchase returns will reduce your number of transactions; multiple transactions of the same amount, on the same day, may cause your transactions to post manually, which will not count towards the qualification limits
- Platinum Tier only: 3 bill payments per month using Market USA’s Bill Pay service; bill payments must be posted to the account by close of business on the last business day of the month, must be at least $20 each, and may NOT be made payable to Market USA FCU or to any non-business payee. Splitting a single bill into three payments does not qualify. Bill payments must be sent electronically to count towards the qualification requirement.
Account Features
- All checking accounts have no minimum balance fees.
- Refunds on ATM fees, nationwide (up to 8 monthly)
- Direct deposit is required
- No minimum deposit to open
Read more: Compare all the best Reward Checking rates here.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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