Money Market Accounts

Money Market Account Rates
APY Balance APY Dividends Compounded/Credited
$50,000 0.40% Monthly/Monthly
$20,000 0.30% Monthly/Monthly
$10,000 0.25% Monthly/Monthly
$2,000 0.15% Monthy/Monthly
Balances below $2,000 earn the APY paid on regular checking accounts.
Rate Disclosures View All Rates

Our Money Market account is a great way to put your excess savings to work for you. The minimum balance is just $2,000 and tiered rates mean that as your balance grows, so will your earnings. You may make up to six withdrawals per month, including three by check.

  • Competitive rates
  • Unlimited deposits
  • Tiered rates
Internet Banking

Internet Banking allows you to access your credit union account (s) via the Internet from your home or office computer. It's free and gives you access to your accounts 24 hours a day!

  • Transfer funds between your Market USA FCU accounts
  • Open new checking, savings, certificate accounts
  • Conveniently pay bills
  • Schedule transfers and check withdrawals
  • Request withdrawals (Teller Checks will be U.S. mailed to you)
  • Request line of credit advances
  • View current account activity
    • Checks Paid
    • Deposits
    • Withdrawals
    • ATM Transactions
    • Debit Card Transactions
    • Hold Amounts
  • Print Account Statements
  • Issue stop payments on checks
  • Request copies of checks
  • Obtain balance information on any of your Market USA FCU accounts
  • Get tax information - interest paid on loans and dividends earned
Internet Bill Pay

Pay your bills quickly and securely online. Click here for more information or to view the online demo.

Telephone Banking

Telephone Banking allows you to access your credit union account(s) from any touch tone phone by calling 301-586-3450 or 800-764-4268.

  • Transfer funds between your Market USA FCU accounts
  • Request withdrawals (Teller Checks will be U.S. mailed to you)
  • Request line of credit advances
  • Hear current account activity
    • Checks Paid
    • Deposits
    • Withdrawals
    • ATM Transactions
    • Debit Card Transactions
  • Issue stop payments on checks
  • Request copies of checks
  • Obtain balance information on any of your Market USA FCU accounts
  • Get tax information - interest paid on loans and dividends earned

Signing up for Telephone Banking can be done on your initial membership application, or simply by contacting our Member Service Center at 301-586-3400 or 800-914-4268.

National Shared Branches:

Market USA FCU is part of the National Shared Branch Network with over 5,000 locations throughout the United States. You can conduct business on your Market USA accounts at these locations.

  • Make deposits
  • Request withdrawals
  • Make loan payments
  • Other services available depending on location

Need to locate a CU Service Center while on the go? Get the Mobile Branch Locator:

Shared branch locations will display the following logo:
National Shared Branches Network Map

Member Service Center

301-586-3400 800-914-4268

Hours:

  • M/W/F 8:30 a.m. to 5:00 p.m.
  • Tu 9:00 a.m. to 5:00 p.m.
  • Th 9:00 a.m. to 6:30 p.m.

Our Member Service Center is staffed by friendly member service representatives ready to assist you.

  • Existing members can open additional savings and checking accounts
  • Have your questions answered
  • Loan applications accepted
  • Changes to your membership or accounts
Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting

Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period

For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

Minimum balance requirements

The minimum balance required to open this account is $2,000.00. You must maintain a minimum daily balance of $2,000.00 in your account to avoid a monthly maintenance fee. If, during any month, your account balance falls below the required minimum daily balance, your account will be subject to a monthly maintenance fee of $2.50 for that month.

Average daily balance computation method

Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is monthly.

Accrual of dividends on noncash deposits

Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction Limitations
  • The maximum amount you may withdraw by check is $50,000.00 per withdrawal. The minimum amount you may withdraw by check is $250.00 per withdrawal.
  • During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of preauthorized, automatic, or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.
Additional Information

Open Money Market
Money Market Calculator
Money Market
       

 

 
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government