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Enter the Tweet for College Scholarship Contest!

Need a little financial help for college? Enter Market USA's and the Elements of Money's Tweet for College essay contest, featuring $2,000 in scholarships.

Here's how to enter:

  • Join Twitter. You can also email your entry to feedback@elementsofmoney.com
  • Tweet your answer to this question: If you had your own YouTube channel about money, what's one money-saving tip you'd share with your subscribers?
  • Mention @ElementsofMoney in your tweet, follow them on Twitter and use the hashtag #Tweet4College.

The scholarship contest runs from January 15 - March 11, 2020. Elements will award one $250 scholarship every two weeks, and each winning tweet will be entered for the grand prize $1,000 scholarship. Visit Elements of Money for more details!

(Hint: we're looking for creativity in 280 characters or less).

Good Luck!

Give Your Tax Refund a Boost!

For a limited time only, take advantage of our Tax Time Certificate Special to secure rates that are out of this world!

  • 2.15% APR* with e-Statements (2.05% APY* without e-Statements)
  • Get an even better rate! 2.40% APY with Direct Deposit and e-Statements
  • 20-month term
  • Deposit from $500 - $50,000

Other great rates and terms are also available. To open a certificate, download the certificate application and mail it with your deposit to
Market USA FCU, 8871 Gorman Rd, Suite 100, Laurel, MD 20723, or stop by a branch.

* APY (Annual Percentage Yield) effective as of 1/1/20. Offer available for a limited-time only and subject to change without notice. Minimum deposit of $500 required to earn stated APY. Maximum deposit $50,000. Requirement to earn 2.15% APY: activated e Statements. 2.05% APY without e-Statements. 2.40% APY with direct deposit of at least $500 per month and activated e-Statements. Certificate is only valid for a single 20-month term and will auto renew to a standard 24-month term. A withdrawal of dividends or the occurrence of fees could reduce earnings. Early withdrawal penalties may apply. One certificate per Social Security number. Cannot be combined with any other offers or promotions.

Dig Yourself Out of Holiday Debt

Roll your high-rate bills into a Holiday Loan and save with one low monthly payment.

Rates as low as 7.24% APR*

Borrow up to $5,000

12 month term

Apply online, at any branch, or call 800-914-4268. Offer available until February 29, 2020.

* Annual percentage rate current as of 1/1/20. 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 an additional .50% 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 7.24% APR for 12 months are approximately $87.36 per $1,000 per month. Financing for qualified Market USA Federal Credit Union members.

Enter to Win a $1,000 Scholarship!

Are you headed off to college or trade school in 2020? The $12,000 Credit Union College Scholarship Program for 2020 is underway now! College-bound members are eligible to apply for one of ten $1,000 essay-based scholarships, one $1,000 video-based scholarship, and one $1,000 photo-based scholarship. And, yes, you may apply in all three categories!

Deadline for applications is March 31, 2020. Scholarship winners will be announced in May 2020 on the Credit Union Foundation MD|DC's scholarship website: cufound.org/scholarship.

This year's essay topic is "It's ten years in the future - the year 2030. Describe your vision of how you will manage your personal finances then. Include how you will pay for things, save, and borrow. Imagine how your credit union will help make that vision a reality." This year's video topic is "It's ten years in the future - the year 2030. Create a 60-second video showing how you will manage your personal finances with your credit union as your financial services partner." This year's photo theme is "Innovation."

Any member of Market USA entering their freshmen through senior year of college or trade school may apply. Applications are accepted online at cufound.org/scholarship. Market USA, the Credit Union Foundation MD|DC, and its generous supporters cooperate to make this scholarship program possible.

Senior Safeguard: A Free Resource to Stop and Spot Financial Fraud

Scammers are well-rehearsed, incredibly convincing and prey on people of all ages, but they most commonly target older adults. According to National Adult Protective Services, 1 out of 9 seniors experiences financial exploitation but only 1 in 44 will ever report it.

We are taking bold action by offering our members free access to Senior Safeguard, an online, educational program developed to fight financial scams and fraud by teaching you how to stop and spot financial exploitation. Our employees have completed similar training to protect your financial well-being.

  • The online education modules cover the following topics:
  • Planning for a Caregiver
  • Becoming a Caregiver
  • Expectations of a Financial Caregiver
  • Preventing Elder Fraud

Get started today by visiting: https://mddccua.everfi-next.net/. Your financial well-being is our top priority. As your credit union we want to help empower you to protect yourself and your loved ones.

Important Information About Fresh Start Loans

Our Fresh Start Loan can help you rebuild or establish credit by borrowing $500 for six months with no credit check required.* Fresh Start Loan applications are only available online or in the branch. Although applications are no longer available over the phone, applying online is quick and easy! Take advantage of our convenient online application, or visit one of our branch locations nearest you to get started.

*Borrow $500 at 18% APR (Annual Percentage Rate) for 6 months. APR effective 5/1/19. A minimum of (6) six months of verified income is required and must be within the last (30) thirty days prior to the loan request (excluding seasonal income). Applicants who are retired or receiving Social Security and/or pension benefits are eligible without (6) months of income verification. You must have direct deposit of net pay (minimum of $500 per month) into your Market USA account for 3 consecutive months. A $30.00 non-refundable fee is due at time of application.

Our Dollar Dog Kids Club Website Has a New Look!

Our Dollar Dog Kids Club, for youngsters up to 12 years old, teaches children the importance of saving money while having some fun, too. The Dollar Dog website has just been updated with a brand new look, and offers a more user friendly experience with coloring pages, activities, and new games! Dollar Dog Kids Club benefits include:

  • Official club membership card
  • Dividend-earning savings account
  • Doghouse Savings Bank that your child can customize and color
  • A special yearly birthday card from Dollar Dog with a $1 deposit
  • And more!

To open a Dollar Dog savings account for your child, fill out our online membership application, stop by a branch, or call 800-914-4268. Be sure to visit our Dollar Dog Kids Club page to check out our new and improved youth site!

Have a Question? Send Us a Text!

Exciting news! You can now text Member Services at 301-586-3400 or Payment Solutions at 301-586-3401 for assistance. We will respond as soon as possible during normal business hours. For your security, do not send sensitive information through text, such as your account number or social security number. Instead you can use the Secure Message option in our new mobile app. Please note we will never ask for your account information through text. Message and data rates may apply.

Important Information About Mobile Check Deposit

Market USA's Mobile Check Deposit service offers a convenient, easy, and secure way for you to deposit checks, without ever stepping foot in a branch. For those of you already taking advantage of this great service, a change has been made to how a Mobile Check Deposit should be endorsed. To help ensure your e-deposit will be accepted, please include the check number in your endorsement. For example, if your check number is 6524, the endorsement should say "Check # 6524 for e-deposit only at Market USA."

If you are new to Mobile Check Deposit, here are instructions on how to use this service.

Lower Your Loan Payments with Our FlexPay Program

If you have a Market USA auto or personal loan, and are looking to save on your monthly expenses, you may be eligible to use our new FlexPay program! With a few easy clicks, you can extend the term and lower your monthly payments - the entire process is completed securely online. To get started, simply sign into Online Banking or Mobile Banking through our website (not the mobile app), and select FlexPay next to your loan. Your current loan information will already be pre-filled on the FlexPay screen. You can adjust the dial until you find the term and monthly payment that fits your needs. Once you select the Extend Term button, e-sign and submit your loan documents, and you're done! Visit our FAQs for more details.1

Switch and Save with our Visa Platinum Card

Don't spend your hard earned money on fees and higher interest rates. Our Visa Platinum cards offer NO balance transfer fees, NO cash advance fees and NO Annual Fees. Plus, we offer great low rates - that's the credit union difference!

  • Low 3.90% APR2 introductory rate for 6 months
  • Rates as low as 10.75% APR2 after six-month introductory period
  • Credit line up to $20,000
  • Save big by transferring higher-rate balances to your Market USA Visa
  • Choose between Visa Platinum and Visa Platinum with Rewards. Redeem your points for hotel stays, vacations, merchandise, air travel and more!

Apply online, call 1-800-914-4268 or stop by any branch. Don't forget to move higher-rate balances to your new Market USA Visa Platinum card!

Footnotes

  1. A 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.
  2. Annual Percentage Rates (APRs) effective 10/31/19 and subject to change. 3.90% introductory APR is valid for 6 months from initial card issuance. Thereafter, the variable rate will be between 10.75% and 18.00%. The APR is calculated as Prime + a margin between 6.00% and 16.00%. Prime is currently 4.75%. Actual rate may vary and is based on an evaluation of applicant's credit and the type of card selected.