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Holiday Loan Rates
Term APR as low as Comments
12 Months 7.59%* Maximum loan amount is $3000
*Annual Percentage Rate current as of 10/1/18. Offer available until 2/28/19. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a 0.25% discount for automatic payment, and an additional 0.50% discount for having a qualifying Rewards Relationship. To qualify for a Rewards Rate, you must have e-Statements and one of the following: (a) direct deposit of at least $500 per month and an active Market USA checking account, or (b) at least $25,000 on deposit. Payments at 7.59% APR for 12 months are approximately $87.04 per $1,000 per month. Financing for qualified Market USA Federal Credit Union members.
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Auto Loan Rates
Loan Term APR as low as
New Auto Used Auto
36 Months 2.80%1 3.05%1
48 Months 3.00%1 3.25%1
60 Months 3.50%1 3.75%1
72 Months 3.90%1 4.15%1
84 Months 4.99%1 5.24%1
1 Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% above the stated rate. Your actual rate may vary depending on credit and discounts taken. Rates are also applicable to Cash Out Auto (Title) Loans.
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20-Month Certificate Special
Account Term Preferred APY* APY Balance Dividends Compounded / Credited
20 Months 3.35%* $500 Daily / Monthly
* Maximum deposit $20,000. Requirement to earn 3.35% APY: activated e-Statements and Direct Deposit of at least $500 into your Market USA account. Standard 3.00% APY without e-Statements and Direct Deposit. 20 month certificate offer available for a limited-time only.
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Regular & IRA Certificate Rates
Account Term Preferred APY* APY Balance Dividends Compounded / Credited
12 Month Accumulator 1.01% $100 Daily / Monthly
3 Months 1.00% $500 Daily / Monthly
6 Months 1.50% $500 Daily / Monthly
12 Months 2.41% $500 Daily / Monthly
18 Months 2.46% $500 Daily / Monthly
24 Months 2.51% $500 Daily / Monthly
36 Months 2.65% $500 Daily / Monthly
48 Months 2.71% $500 Daily / Monthly
60 Months 3.01% $500 Daily / Monthly
*PREFERRED APY: The Preferred APY includes a 0.35% premium. Direct Deposits and e-Statements are required to receive this premium.
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Credit Card Rates
Visa Platinum Visa Platinum with Rewards Visa Platinum Secured
6 Month Introductory APR for Purchases & Cash Advances 3.90% 3.90% N/A
Annual Percentage Rate* (APR) for Purchases 11.25% - 18.00% 12.25% - 18.00% 14.74% - 16.74%
Cash Advance APR 11.25% - 18.00% 12.25% - 18.00% 14.74% - 16.74%
Variable Rate Information Your actual APR may vary and is based on prime and your credit history. A margin between 6.00% - 15.00% is added to the highest Prime Rate* as published in the Wall Street Journal "Money Rates" Table.
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance (Including new purchases)
Annual Fee None
Balance Transfer Rate Same as purchase rate
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date
Transaction Fees a. Foreign Transaction Fee - 1.00% of each transaction in U.S. dollars
Penalty Fees a. Late Payment Fee - Up to $25.00
b. Returned Payment Fee - Up to $25.00
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Holiday Club Rates
APY Balance APY Dividends Compounded/Credited
$0.01 0.15% Monthly/Monthly
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Fixed Rate Home Equity Rates
Term APR as low as Loan to Value Comments
5 Years 4.24% Up to 80% No closing costs! (provided initial loan amount is $20,000 and loan remains open for 36 months)
7 Years 4.74%
10 Years 5.24% Minimum Loan Amount: $5,000. Maximum Loan Amount $100,000. Maximum Loan to Value (LTV) for owner-occupied and non-owner-occupied properties is 80% of tax assessed or appraised value. Rate based on credit evaluation.
15 Years 5.74%
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Home Equity Line of Credit Rates
Variable APR as low as Comments
4.75% No closing costs! (provided initial advance is at least $20,000 and loan remains open 36 months.) Minimum HELOC amount: $10,000, Maximum HELOC amount: $200,000
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IRA Savings Rates
APY Balance APY Dividends Compounded/Credited
$0.01 0.15% Monthly/Monthly
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Line of Credit Loan Rates
APR as low as Comments
11.25% Maximum line is $10,000
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Savings Rates
APY Balance APY Dividends Compounded/Credited
$25,000 0.25% Monthly/Monthly
$5,000 0.15% Monthly/Monthly
$2,000 0.10% Monthly/Monthly
$0.01 0.05% Monthly/Monthly
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Money Market Saving Account Rates
APY Balance APY Dividends Compounded/Credited
$50,000 0.80% Monthly/Monthly
$20,000 0.55% Monthly/Monthly
$10,000 0.45% Monthly/Monthly
$2,000 0.35% Monthly/Monthly
$0.01 0.10% Monthly/Monthly
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Regular Checking Rates
APY Balance APY Dividends Compounded/Credited
$1,000.00 0.05% Monthly/Monthly
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Signature Loan Rates
Term APR as low as Comments
12 Months 9.94%* Minimum loan amount is $200
24 Months 10.19%*
36 Months 10.44%*
48 months 11.74%*
60 Months 11.99%* Minimum loan amount is $5,000
*Rates shown include a .25% discount for automatic payment and an additional .50% for having a qualifying Reward Rate Relationship. Your actual rate may vary depending on credit and discounts taken.
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Natural Disaster Assistance Loan Rates
Term APR as low as* Loan Amount
12 Months 2.99%* $1,000
24 Months 3.99%* $2,500
36 Months 4.99%* $5,000
48 months 5.99%* $7,500
60 Months 6.99%* $10,000
*Your actual rate may vary depending on credit.
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Vacation Club Rates
APY Balance APY Dividends Compounded/Credited
$0.01 0.15% Monthly/Monthly
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VIP Free Checking Rates
VIP APY Balance APY Dividends Compounded/Credited
Platinum Tier $0.01 3.01% Monthly/Monthly
Gold Tier $0.01 2.01% Monthly/Monthly
*APY applies to balances thru $15,000; balances above $15,000 earn the APY paid on regular checking accounts. One account per member/SSN.
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