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The Market Center

"PICK YOUR SPECIAL" while enjoying peace of mind

Here's how it works:

You simply open any new certificate and lock in a competitive rate right from the start.
When you enroll in Direct Deposit and e-Statements, you will receive an additional .35% 3 added to your already great rate. As long as you keep those products in place, your rate will stay put for the balance of the term. GUARANTEED.
Your deposits are insured to at least $250,000. Deposit insurance is provided through the National Credit Union Administration (NCUA), a U.S. Government Agency. No credit union member has lost a penny of insured funds in the entire history of the NCUA.
Your credit union is safe and sound. We have a solid asset base and a strong loan portfolio.Since we do not participate in sub-prime lending, we have avoided many of the problems that have plagued the industry.

For additional information,current rates, or to open a share certificate, stop by one of our branches, or call 301-586-3400 or
800-914-4268. You can also open a new certificate on-line by selecting "Open New Account" in Internet Banking or print a certificate application form and mail it with your deposit to:
8871 Gorman Rd, Suite 100, Laurel, MD 20723.

In today's challenging economy, it's good to know that Market USA is on your side. If you have any questions or concerns, please feel free to call or stop by.

View a brief video on how easy Internet Bill Pay is.

You'll love the convenience! Internet Bill Pay is:

Fast - Pay your bills online with just a few clicks.
Easy - Detailed instructions help you make sure your payments are processed correctly.
Safe - Your account and payment information are password protected. Data encryption and firewall technology ensure the security and privacy of your transactions.
Versatile - Pay bills one at a time, or set up recurring payments - it's up to you. Plus, receive and view e-bills from over 370 billers.
Flexible - Pay your bills whenever you want, day or night. You can even schedule reminders to tell you when a bill is due. Funds are deducted from your account on the date the payment is due.

To start enjoying Internet Bill Pay you must first be enrolled in Internet Banking. If you are not currently enrolled, call 301-586-3400 or 800-914-4268.

Enjoy e-Statements And e-Alerts

Market USA Federal Credit Union offers you e-statements and e-Alerts, a free online service - enrolling is quick and easy!
e-Alert and e-Statements FAQ's

A New Benefit of Membership: BALANCE Financial Fitness Program

Market USA FCU is dedicated to helping you realize your financial goals - reducing your debt, saving for higher education, buying your first home, or planning for retirement. Which is why we are excited to announce your newest benefit of membership: BALANCE Financial Fitness Program.

Through BALANCE, you have access to free, unbiased money management information and assistance. All you have to do is make a toll free phone call.

BALANCE counselors can answer many of your questions immediately - from how long an item stays on your credit report to whether it's better to lease or buy a car. For more complex issues, such as debt elimination or budget development, an appointment will be scheduled - giving you the personal attention you need to meet your objectives.

If bills have gotten out of hand, your counselor may be able to arrange a Debt Management Plan. BALANCE negotiates with creditors to reduce interest and fees so you can pay your debt quickly and efficiently.

To use the new program, simply call 888-456-2227. Counselors are available:

Monday to Thursday - 8:00 a.m. to 11:00 p.m.
Friday - 8:00 a.m. to 8:00 p.m.
Saturday - 11:00 a.m. to 8:00 p.m.

Or visit The Balance Website for more information.

We recognize that money concerns have a serious effect on our quality of life. Now, through our newest partnership, you have access to the very best professional guidance - so you can achieve financial security faster than you ever thought possible.

Enjoy Surcharge-Free Access at any CO-OP Network ATM!

Great news for Market USA members! You now have access to over 28,000 surcharge-free ATMs through the CO-OP Network.

Find a CO-OP Network ATM near you

And remember, if you have Direct Deposit Checking, you also have access to over 43,000 surcharge-free Allpoint ATMs.

Combine this with all the other benefits of our checking accounts, which include no minimum balance requirements, no monthly maintenance fee, free Internet Banking and much more, and you've got an account that provides the convenience and flexibility you deserve.

Don't have a Market USA checking account? Call our Member Service Center at 301-586-3400 or 800-914-4268, stop by any Market USA branch, or visit Internet Banking to open an account today!

Online Switch Kit

It's never been easier for current members to bring all of their accounts into one financial institution. Use our Online Switch Kit to make your life more convenient today.

Protecting your credit, debit and ATM cards

It is important to protect your debit, credit and ATM cards. With identity theft on the rise, a criminal with your account information could easily perform unauthorized transactions. Below are some suggestions on how to help prevent this crime from happening to you:

If you plan to use your cards for on-line purchases verify that the website uses a secure encryption system (an encryption system ensures that your information cannot be obtained by an outside person).
It is best to keep a list of your credit, debit and ATM card numbers and their corresponding emergency telephone numbers in a safe place such as a lock box or a safe deposit box. This will be helpful if you should ever need to report a lost or stolen card. When not carrying your cards with you be sure to keep them in a designated secure location.
Be mindful when using your cards for purchases at local vendors that your card is not in direct view of another customer´s cellular phone. Many phones are now equipped with cameras. These cameras are virtually undetectable and could easily capture your card number and expiration date without your knowledge.
Keep all documents containing your account information in a secure location. Be sure to use a paper shredder when it is time discard such documents.

Lost or Stolen Cards

To report your lost or stolen ATM or VISA® Check Card:

Monday - Friday 9:00 a.m. - 5:00 p.m. call
(301) 586-3400 option #5
After hours and weekends call (888) 241-2510
Collect & outside of the U.S. call (909) 941-1398

To report your lost or stolen VISA® Credit Card:

24 hours a day/ 7 Days a week, call (800) 449-7728

3 Additional Dividend Rate of .35% is accurate as of November 1, 2011 and subject to change. Available for a limited time only and minimum balance is required. A withdrawal of dividends or the occurrence of fees will reduce earnings. Early withdrawal penalties may apply. Savings insured to at least $250,000 by NCUA, a U.S. Government agency. Membership subject to eligibility. If you discontinue Direct Deposit or e-Statements, you will receive an immediate reduction in rate.