The Market Center

Put Extra Jingle in Your Wallet this Season with Skip-A-Pay

If you have an auto or signature loan, enjoy extra money for the holidays with Skip-A-Pay!1 Simply log into Internet Banking and click the "Skip-A-Pay" tab beside the loan you want to skip. You can also download the Skip-A-Pay form and either fax it to 301-586-3415 or mail to:
Market USA FCU, 8871 Gorman Rd, Suite 100, Laurel, MD 20723.


Need More Dough? We're Serving Up a Great Holiday Loan!

Don't let all the expenses eat up your holiday fun! A low-cost Holiday Loan can sweeten the season.

  • Rates as low as 7.99% APR7
  • 12-month term
  • Borrow up to $3,000

Apply online, at any branch, or call 301-586-3400 or 800-914-4268.


e-Statement and e-Alerts Upgrade

On October 13th Market USA upgraded our e-Statement and e-Alerts software. You will see a new, more user friendly, interface when you login. During this upgrade we automatically enrolled members in a group of valuable e-Alerts.

Members were enrolled in these Alerts:

  • Automatic withdrawals (ACH debits)
  • Non-sufficient Funds (NSF) activity
  • Payroll/ACH credits
  • Privilege Pay usage
  • ATM/debit card transactions above $500
  • Certificate maturing
  • Cleared checks
  • Savings withdrawals (overdraft, Internet, phone, or similar transfers)

Home Depot Security Breach

The security of our members is top priority at Market USA. We are currently working with VISA to determine the Market USA debit or credit cards that were compromised during the Home Depot security breach. If your card is at risk, we will notify you and issue you a new card.

In the meantime, we encourage you to monitor your debit and credit card activity through Internet and Mobile Banking. If you detect unauthorized activity, please notify us immediately at 301-586-3400 or 800-914-4268. Market USA employs a Zero Liability Policy, meaning that you will not be responsible for fraudulent transactions. To receive fraud protection under this policy, you must notify us immediately of any unauthorized activity.

Please refer to Home Depot's website for more information about their security breach.


100 MILLION MEMBERSHIPS REACHED AT CREDIT UNIONS

2.85 million people joined a credit union between June 2013 &
June 2014; The fastest membership growth since 2000

Credit unions have reached and surpassed 100 million memberships nationwide - equating to one in every three Americans - The MD|DC Credit Union Association (MD|DC CUA) - the premier regional trade association for credit unions in the state of Maryland and the District of Columbia recently announced.

In addition to reaching 100 million members, credit unions have also saved their members millions of dollars in savings. Here are a few key facts:

  • The 146 credit unions across Maryland and the District of Columbia saved their two million members $146 Million over the last 12 months when compared to other financial institutions.
  • These benefits are equivalent to $70 per member and $133 per household in MD and DC.
  • Financing a $25,000 new automobile for 60 months at a MD or DC credit union will save members an average of at least $140 per year in interest, compared to what they would pay at a banking institution in the State.

"The 100 Million member milestone is one that shows that consumers are turning to credit unions as their trusted financial institution in record numbers, said MD|DC Credit Union Association President/CEO, John Bratsakis. He added that credit unions continue to place member interests first which is at the heart of what it means to be a member owned financial cooperative." "In today‚??s challenging financial marketplace the value of "People Helping People" has never been more important for consumers than it is today. The credit unions in Maryland and the District of Columbia are proud to play an important role in the financial wellbeing of so many consumers and will continue to earn that trust in the years ahead!"

To celebrate this significant milestone, and to show what 100 million looks like, the industry has developed a website where Credit Union members, staff and officials from across the country can post selfies to show they are "1 of 100 million." Help us celebrate YOU and be counted. To submit a picture, visit www.americascreditunions.org. When posting to social media, make sure to use the hashtag #100MM.


Unlock Your Home's Potential with a Home Equity Loan or Line of Credit

Have you been thinking of remodeling your home, consolidating high interest loans, taking a dream vacation, or financial a child's education? You can do all this and more by tapping into the greatest you have... your home. We offer:

  • 3.99% Annual Percentage Rate (APR)4on a Home Equity Line of Credit with a 20 year draw period
  • Rates as low as 5.50% APR4on a Home Equity Loan
  • No Closing Cost Options5
  • Potential Tax Savings6

If you are looking to consolidate debt, find out how much you could save by using our online Loan Saver tool.

Check out our low rates and apply today!


Mobile Banking & Check Deposit

If you have a Market USA checking account2, you can make deposits without visiting a branch or sending checks through the mail. It's convenient, easy and secure. Mobile Check Deposit is available through our Mobile Banking app (must be enrolled in Internet Banking).

How to Use Mobile Check Deposit

  1. Sign into Mobile Banking
  2. Choose the Mobile Check Deposit button
  3. Accept the Terms and Conditions
  4. Select Make a Deposit
  5. Enter check amount
  6. Select account to deposit check
  7. Endorse your check
  8. Write "For e-Deposit only at Market USA" under your signature
  9. Take a picture of the front and back of your check
  10. Submit

You will receive an email once your account has been credited. If you have questions, please email our Member Service Center or
call 301-586-3400 or 800-914-4268.

Download our Mobile Banking apps today!

Android app on Google Play


Need a New Car?
We Give You Three Great Ways To Save

If you're shopping for a new car, truck, SUV or crossover, you couldn't have picked a better time. Through our partnership with Invest in America, we can help you save money on your new vehicle.

First, General Motors is offering credit union members preferred pricing on most new GM vehicles. This is in addition to the most current incentives and special offers! Depending on the vehicle, you could save hundreds, even thousands of dollars on your next new Chevrolet, Buick, or GMC vehicle purchase just for being a credit union member. Visit LoveMyCreditUnion.org to see how much you can save and request your GM Authorization Number.

Secondly, you can save big with great low rates when you finance your new vehicle with us. Plus, receive a $100 cash bonus!3

Third, you'll also save on fuel costs with GM's high-fuel efficiency vehicles. GM offers high-fuel efficient products in most high-volume vehicle segments, and more are coming to the market each year.

Get your loan pre-approved and apply online today!

All fuel economy ratings below are EPA Estimates. The new Chevrolet Cruze Eco, with its 42 mpg EPA highway estimate, offers the best highway fuel economy of any gasoline engine (non-hybrid) car in America. The Chevy Equinox and GMC Terrain crossovers offer space for the family and a 32 mpg highway estimate. Chevrolet Malibu has EPA mileage estimates of 22 mpg city, 33 mpg highway, and can travel nearly 500 highway miles on a tank of fuel. Chevy Silverado and GMC Sierra offer the best highway fuel economy estimates of any V8 pickups (22 mpg), and offer hybrid models for the ultimate in full-size truck fuel efficiency (20 mpg city, 23 mpg highway).


Life's More Rewarding with a Market USA Visa®

Our Visa® Platinum with Rewards card offers a low rate, no annual fees, no balance transfer fees and no cash advance fees. Earn one point for every dollar spent which you can redeem for hotel stays, vacations, merchandise, air travel and more! Choose from top-of-the-line stereo equipment and electronics to high-end appliances. Travel abroad or practice your golf game with a brand-new set of clubs. Visit CURewards for details.

Apply for your Visa® Platinum today!


Mobile Banking Now Available

We are excited to offer you the convenience of mobile banking! Our mobile app makes it easy to:

  • Review account balances
  • Access recent transactions
  • Check Privilege Pay status
  • View direct deposits
  • Transfer funds
  • Withdraw checks
  • Initiate stop payments

In addition to managing your accounts, you can also look up current rates, apply for a loan, and locate a shared branch or surcharge-free ATM near you. Our free app is available in both the Apple and Android app stores. Be sure to let us know what you think!

Android app on Google Play

Mobile Check Deposit FAQ's


Buy or Sell Your Vehicle Using AutoSMART Mobile

The new AutoSMART Mobile App provides a one-stop shop for all your car buying AND selling needs.

Search AutoSMART's database of vehicles for sale - not just from major car dealers, but from individuals just like yourself. You can also apply for Market USA financing and get your loan pre-approved before you shop. This removes the pressure of negotiating financing contracts at the dealership and allows you to focus your attention on finding the right vehicle.

Are you ready to sell a vehicle? Quickly and easily sell your car online in 3 simple steps. Once your listing has been approved (usually takes one business day) it will be searchable on AutoSMART's nationwide network of over 1 million Credit Union members.

The AutoSMART Mobile App is free to download for both iOS and Android devices from your App store.


1A minimal processing fee per loan will be charged to your saving or checking account based on your monthly payment. Excludes Mortgage, Home Equity and Credit Card balances. Interest will continue to accrue on unpaid loan balance. To qualify for extension, loan must be open for at least 90 days and in good standing. Certain restrictions apply. Call for details.

2Membership must be established for at least 90 days; checking account must be opened for at least 30 days; account must be in good standing; primary account holder must be at least 13 years of age. Additional restrictions apply. See Mobile Deposit Terms & Conditions for details.

3Offer is for a limited time only. You must mention the promotional code NM100 to receive the $100 cash incentive with this offer. Loan amount must be $10,000 with a term of at least 36 months. Deposit of $100.00 will be made into the primary member's savings account within 30 days after the loan is closed. Auto loans currently financed through Market USA cannot be refinanced with this offer.

4Annual Percentage Rates (APRs) current as of 7/1/14 and subject to change without notice. Home Equity Loan APR based on an evaluation of each applicant's credit. Your actual rate and payment may vary. Payments at 5.50% APR for 36 months area approximately $19.21 per $1,000 per month Home Equity Line APR is variable and the maximum APR is 18%. Rate is Prime + 0.74%. Subsequent rate changes occur quarterly based on the Prime Rate, which was 3.25% as of 7/1/14. Minimum Home Equity Loan is $5,000; minimum Home Equity Line of Credit is $10,000.

5Closing costs will be waived if you (1) finance a minimum of $20,000 on a Home Equity Loan or take an initial advance of $20,000 on a Home Equity Line of Credit, and (b) maintain our Security Interest in the Security Property for at least 36 months. Closing costs typically range from $0.00 to $1,500.

6The interest you pay may be tax deductible. Please check with your tax advisor for details concerning tax deductibility.

7Annual percentage rate current as of 10/1/14. Offer available until 2/28/15. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a .25% discount for automatic payment and .10% discount for e-Statements. Payments at 7.99% APR for 12 months are approximately $87.35 per $1,000 per month. Financing for qualified Market USA Federal Credit Union members.

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