What are the current interest rates at Market USA Federal Credit Union?

Current rates for Market USA Federal Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 3.15%, 24-Month CD: 3.20%, 60-Month CD: 3.10%, Savings: 3.75%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Market USA Federal Credit Union

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Market USA Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Market USA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Market USA Federal Credit Union's top rates as of October 12, 2026 are 3.90% APY on its CD - 10 Month Special - Preferred, 3.75% APY on savings, 4.50% APY on checking, personal loans from 7.24% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other Market USA Federal Credit Union CD rates include CD - 10 Month Special at 3.80%, CD - 12 month - Preferred at 3.75%, and CD - 24 month - Preferred at 3.55%. MonitorBankRates evaluates the financial stability of Market USA Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.76%. Rates last updated and verified on 10/12/2026.

Market USA Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Market USA Federal Credit Union? Share your experience about Market USA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Market USA Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.76%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Market USA Federal Credit Union
Laurel HQ

8871 Gorman Rd
Laurel, MD 20723-5877

https://www.marketusafcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Market USA Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate - 10 Month Special - Preferred	-	3.90%	10 Months
Min Deposit $500 Details Preferred APY; includes 0.10% premium; eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 10 Month Special	-	3.80%	10 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 12 month - Preferred	-	3.75%	12 Months
Min Deposit $500 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 24 month - Preferred	-	3.55%	24 Months
Min Deposit $500 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 18 month - Preferred	-	3.50%	18 Months
Min Deposit $500 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 60 month - Preferred	-	3.45%	60 Months
Min Deposit $500 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
12 Month Certificate	-	3.40%	12 Months
Min Deposit $500 Details Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 48 month - Preferred	-	3.35%	48 Months
Min Deposit $500 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 36 month - Preferred	-	3.25%	36 Months
Min Deposit $500 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 6 month - Preferred	-	3.25%	6 Months
Min Deposit $500 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
24 Month Certificate	-	3.20%	24 Months
Min Deposit $500 Details Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
18 Month Certificate	-	3.15%	18 Months
Min Deposit $500 Details Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
60 Month Certificate	-	3.10%	60 Months
Min Deposit $500 Details Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
48 Month Certificate	-	3.00%	48 Months
Min Deposit $500 Details Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
36 Month Certificate	-	2.90%	36 Months
Min Deposit $500 Details Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
6 Month Certificate	-	2.90%	6 Months
Min Deposit $500 Details Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 12 Month Accumulator - Preferred	-	2.60%	12 Months
Min Deposit $100 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $100 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 3 month - Preferred	-	2.60%	3 Months
Min Deposit $500 Details Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
3 Month Certificate	-	2.25%	3 Months
Min Deposit $500 Details Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 12 Month Accumulator	-	2.25%	12 Months
Min Deposit $100 Details Base APY; $100 minimum to open on the 12 Month Accumulator Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Market USA Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield VIP Savings	-	3.75%
Min Balance $0 Details Qualifications Required; Balance: $0.01; APY applies to balances up to $25,000; balances above $25,000 earn the top-tier main share savings rate; if VIP Checking criteria are not met, the bottom tier main share savings rate applies Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Holiday Club Rate	-	0.10%
Min Balance $0 Details Balance: $0.01 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
IRA/ESA Savings Rate	-	0.10%
Min Balance $0 Details Balance: $0.01; Dividends are compounded and credited monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Vacation Club Rate	-	0.10%
Min Balance $0 Details Balance: $0.01 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Membership Savings	-	0.07%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000; Rates effective as of 10/12/2026; Dividends compounded and credited monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Name Your Savings	-	0.07%
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Membership Savings	-	0.06%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000; Rates effective as of 10/12/2026; Dividends compounded and credited monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Name Your Savings	-	0.06%
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Membership Savings	-	0.05%
Min Deposit $5 Min Balance $2,000 Details Balance: $2,000; Rates effective as of 10/12/2026; Dividends compounded and credited monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Membership Savings	-	0.05%
Min Deposit $5 Min Balance $0 Details Balance: $0.01; Rates effective as of 10/12/2026; Dividends compounded and credited monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Name Your Savings	-	0.05%
Min Balance $2,000 Details Balance: $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Name Your Savings	-	0.05%
Min Balance $0 Details Balance: $0.01 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Market USA Federal Credit Union Checking Rates

Product	Rate	APY
Competitive High-Yield VIP Checking - Platinum	-	4.50%
Min Balance $0 Details Qualifications Required; Balance: $0.01; APY applies to balances thru $15,000; balances above $15,000 earn the APY paid on regular checking accounts; Dividends compounded and credited monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
High-Yield VIP Checking - Platinum Tier	-	4.50%
Min Balance $0 Details Qualifications Required; Balance: $0.01; Qualifying balance up to $15,000.00; Platinum tier requires 15 Visa debit card purchases per month Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Competitive High-Yield VIP Checking - Gold	-	2.01%
Min Balance $0 Details Qualifications Required; Balance: $0.01; APY applies to balances thru $15,000; balances above $15,000 earn the APY paid on regular checking accounts; Dividends compounded and credited monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
High-Yield VIP Checking - Gold Tier	-	2.01%
Min Balance $0 Details Qualifications Required; Balance: $0.01; Qualifying balance up to $15,000.00; Gold tier requires 12 Visa debit card purchases per month Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Everyday Checking	-	0.01%
Min Balance $1,000 Details Balance: $1,000.00; Rates effective as of 10/12/2026. Dividends are compounded and credited monthly. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Market USA Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	6.75%
Details As Low As; Variable APR; No closing costs! (provided initial advance is at least $10,000 and loan remains open 36 months.); Minimum HELOC amount: $10,000, Maximum HELOC amount: $200,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Market USA Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.49%	36 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Used Auto Loan	-	-	3.49%	36 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
New Auto Loan	-	-	4.74%	48 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
New Auto Loan	-	-	4.74%	60 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Used Auto Loan	-	-	4.74%	48 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Used Auto Loan	-	-	4.74%	60 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
New Auto Loan	-	-	5.24%	72 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Used Auto Loan	-	-	5.24%	72 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
New Auto Loan	-	-	5.74%	84 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Used Auto Loan	-	-	5.74%	84 Months
Details As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Market USA Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - New	-	5.49%	36 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - Used	-	5.49%	36 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - New	-	5.74%	48 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - New	-	5.74%	60 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - Used	-	5.74%	48 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - Used	-	5.74%	60 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - New	-	6.24%	72 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - Used	-	6.24%	72 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - New	-	7.49%	84 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Loan - Used	-	7.49%	84 Months
Details As Low As; Rates effective as of 10/12/2026; includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV & Boat Loan	-	7.75%	60 Months
Details As Low As; New & Used; Rates effective as of 10/12/2026; includes .25% automatic payment discount and additional 0.50% for qualifying Reward Rate Relationship; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV & Boat Loan	-	8.15%	72 Months
Details As Low As; New & Used; Rates effective as of 10/12/2026; includes .25% automatic payment discount and additional 0.50% for qualifying Reward Rate Relationship; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.15% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV & Boat Loan	-	8.74%	84 Months
Details As Low As; New & Used; Rates effective as of 10/12/2026; includes .25% automatic payment discount and additional 0.50% for qualifying Reward Rate Relationship; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV & Boat Loan	-	9.74%	96 Months
Details As Low As; New & Used; Rates effective as of 10/12/2026; includes .25% automatic payment discount and additional 0.50% for qualifying Reward Rate Relationship; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV & Boat Loan	-	10.74%	120 Months
Details As Low As; New & Used; Rates effective as of 10/12/2026; includes .25% automatic payment discount and additional 0.50% for qualifying Reward Rate Relationship; vehicles 7 years and older are 3.00% above stated rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Market USA Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	13.00%
Details Published APR range: 13.00% - 18.00%. Intro rate expires: 6 months; Regular APR: 13.00% - 18.00%; Cash Advance APR: 13.00% - 18.00% Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Sep 17, 202613.00%▲ from 12.75% Sep 12, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Visa Platinum Rewards	-	14.00%
Details Published APR range: 14.00% - 18.00%. Intro rate expires: 6 months; Regular APR: 14.00% - 18.00%; Cash Advance APR: 14.00% - 18.00% Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Sep 17, 202614.00%▲ from 13.75% Sep 12, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Credit Builder Secured Visa	-	16.49%
Details Published APR range: 16.49% - 18.00%. Cash Advance APR: 16.49% - 18.00% Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 16.24% → 16.49% ▲ 0.25 pts · high 16.49% / low 16.24% Sep 17, 202616.49%▲ from 16.24% Sep 12, 202616.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Market USA Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.24%	12 Months
Details As Low As; Minimum Loan Amount: $200 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Personal Loan	7.74%	24 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Personal Loan	8.24%	36 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Personal Loan	8.74%	48 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Personal Loan	9.24%	60 Months
Details As Low As; Minimum Loan Amount: $5,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Personal Line of Credit	13.00%
Details As Low As; Minimum Loan Amount: $200 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Sep 17, 202613.00%▲ from 12.75% Sep 12, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Market USA Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loan Rate	-	-	6.99%	12 Months
Details As Low As; Minimum Loan Amount: $200; Rates include a .25% automatic payment discount and an additional 0.50% for a qualifying Reward Rate Relationship; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 12 Months	-	-	3.40%	12 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 18 Months	-	-	3.15%	18 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 24 Months	-	-	3.20%	24 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 3 Months	-	-	2.25%	3 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 36 Months	-	-	2.90%	36 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 48 Months	-	-	3.00%	48 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 6 Months	-	-	2.90%	6 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Certificate - 60 Months	-	-	3.10%	60 Months
Min Deposit $500 Details Base APY; $500 minimum to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Market USA Federal Credit Union’s Texas Ratio stayed near 5.10% in Q3 2023 to 4.76% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$142M	4.76%	5.0	A+
March 31, 2026	$141M	4.77%	5.0	A+
December 31, 2025	$140M	6.25%	5.0	A
September 30, 2025	$138M	5.99%	5.0	A+
June 30, 2025	$139M	8.14%	5.0	A
March 31, 2025	$140M	8.40%	5.0	A
December 31, 2024	$135M	8.82%	5.0	A
September 30, 2024	$136M	8.96%	5.0	A
June 30, 2024	$142M	9.99%	5.0	A
March 31, 2024	$141M	8.77%	5.0	A
December 31, 2023	$137M	9.69%	5.0	A
September 30, 2023	$138M	5.10%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Market USA Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Market USA Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Market USA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Market USA Federal Credit Union

Website https://www.marketusafcu.com

Address 8871 Gorman Rd, Laurel, MD 20723-5877

Phone 301-586-3400

Fax 301-586-3415

President Robert Watts

CEO Laura Hassan

Full-Time Employees 40

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.76%

Return on Assets (ROA)

0.5793%

Return on Equity (ROE)

3.0234%

Non-Performing Loans Ratio (NPL)

1.59%

Total Assets

142,306,969

Total Amount of Shares and Deposits

114,065,341

Total Shares and Deposits < 1 Year

111,437,167

Total Shares and Deposits 1 3 Years

1,926,141

Total Shares and Deposits > 3 Years

702,032

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,407,590

Total Uninsured Shares and Deposits > $250K (F+J)

2,407,590

Total Insured Shares and Deposits > $250K (item 17 less item K)

111,657,751

Total Interest Expense (Sum of items 6 8)

652,872

Share Certificates

1,156

Number of Accounts for Share Drafts

7,961

IRA KEOGH Accounts

411

Number of Accounts for Regular Shares

18,631

Money Market Shares

182

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

35,848,731

Total Liabilities

115,057,188

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Market USA Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Market USA Federal Credit Union

How many branches does Market USA Federal Credit Union operate?

Market USA Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Market USA Federal Credit Union?

Yes, to access services at Market USA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Market USA Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Market USA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Market USA Federal Credit Union offer online and mobile banking?

Most modern institutions like Market USA Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.marketusafcu.com.

Current Market USA Federal Credit Union Rates

12-Month CD2.25%
18-Month CD3.15%
24-Month CD3.20%
60-Month CD3.10%
Savings3.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Market USA Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Market USA Federal Credit Union Texas Ratio

Market USA Federal Credit Union Health Trend

Market USA Federal Credit Union CD Rates

Market USA Federal Credit Union Savings Rates

Market USA Federal Credit Union Checking Rates

Market USA Federal Credit Union Home Equity & HELOC

Market USA Federal Credit Union Auto Loan Rates

Market USA Federal Credit Union RV, Boat and Powersport Loan Rates

Market USA Federal Credit Union Credit Card Rates

Market USA Federal Credit Union Personal Loan Rates

Market USA Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Market USA Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Market USA Federal Credit Union

How many branches does Market USA Federal Credit Union operate?

Is a member application needed to join Market USA Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Market USA Federal Credit Union offer online and mobile banking?

Current Market USA Federal Credit Union Rates

Compare to Other Credit Unions