VIP Checking

Our VIP Checking account has a very competitive, high dividend rate. Simply meet the easy requirements to earn a higher dividend on your balance up to $15,000.

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.
Rate Disclosures   View All Rates
Product Links
 Open Checking AccountGo Deluxe Reorder ChecksGo Checking Account EducationGo

Platinum Tier: Earn 3.01% APY*

Gold Tier: Earn 2.01% APY*

No monthly maintenance fees or per-check charges

Access to 30,000 surcharge-free CO-OP Network ATMs nationwide

+ Requirements to Earn APY:

  1. Enrollment in e-Statements;
  2. 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;
  3. 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
  4. 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.