Why Join Market USA? Join Now Apply for a Loan

When you become a member of Market USA, you also become a part owner of the credit union, and this makes a big difference in how we serve you. As a not-for-profit and member-owned cooperative, you benefit through lower loan rates, higher dividend rates, and lower fees. Plus, we offer all the convenient services you expect and more, including 30,000 surcharge-free ATMs, 5,000 shared branches, mobile banking, and mobile check deposit, just to name a few!

Low Loan Rates & Payments

FREE Convenient Checking Accounts

High Yield Savings Solutions

Low or NO Fees

More Reasons to Join:

  • Our VIP Checking Account offers one of the highest dividend rates in the nation! The best part is it's FREE - there are no minimum balance requirements or monthly maintenance fees.
  • Regular and IRA Share Certificates offer competitive dividends, a variety of terms and a safe investment. Deposits are insured up to $250,000 through NCUA, a government agency.
  • Make no payments for two months1 with our low rate auto loans. Plus, you can choose to Skip-a-Payment2 twice a year.
  • Pay no annual fees, no balance fees, and no cash advance fees with our Visa Platinum cards.3
  • Budget-friendly home loans include fixed and variable rate first mortgages, home equity loans and lines of credit.
  • Our Auto Buying & Home Buying Services provide the research tools you need to help you save time and money.
  • With our online Loan Comparison Tools, you can instantly see if moving your loans to Market USA could lower your payments, putting more money in your pocket.
  • If you are looking to boost your credit score, we offer products specifically designed with this in mind, such as our Fresh Start Loan and Secured Visa Platinum card.
  • Low group rates available on life, auto and home insurance.
  • Free coin counter and notary services.
  • And much more!

It's Quick and Easy to Join!

Simply complete the online membership application to establish your Membership Savings Account, along with any additional accounts you would like to open (it only takes a few minutes).

Once your application is approved, you will receive an email with further instructions on how to send in your initial $5 deposit. Once you become a Market USA member, you'll remain a member for life, as long as you maintain a $5 balance in your Membership Savings account4.

The online application is for new members only; if you are already a member and would like to open additional accounts, please log into Online Banking to do so.

Who Can Join

Immediate family or household members of existing Market USA members may join the Credit Union. Immediate family members include a spouse, children, parents, grandparents, grandchildren, and siblings.

Through membership with the American Consumer Council, residents of the following states may join:

  • Maryland
  • South Carolina
  • North Carolina
  • Virginia
  • West Virginia
  • Georgia
  • Washington D.C.
  • Pennsylvania
  • Tennessee

Employees/retirees of employers in our partner list, or members of associations in our partner list, may join Market USA Federal Credit Union.

  • Giant Food
  • Stop & Shop
  • Ahold
  • BILO
  • C&S Wholesale
  • AAA Antiques Mall
  • ABC Washington News Bureau
  • Advanced Finishes, Inc.
  • Advanced Realty Group
  • Ahold Financial Services (AFS)
  • Ahold Information Services (AIS)
  • Ahold Real Estate Company
  • Ahold USA Support Services
  • Ahold USA, Inc.
  • American Association for Marriage & Family Therapy
  • American Association for Trial Lawyers
  • American Bar Association
  • American Consumer Council (ACC) Carolina Chapter (Carolina Consumer Council)
  • American Consumer Council (ACC) Maryland Chapter (Maryland Consumer Council)
  • American Federation of Musicians
  • American Psychological Association
  • American Sales Company (ASC)
  • Anthony Sims, DDS.
  • Baltimore-Washington Conference of the United Methodist Church: Church Members; Clergy; Lay Pastors; and Employees
  • Barbara Jordon Public Charter School
  • BI-LO
  • BI-LO Holdings
  • Boston Properties
  • Bruno's
  • Bureau of Rehabilitation, Inc.
  • C&S Wholesale
  • C. Oyer Law Firm, LLC
  • C.F. Sauer Company
  • Capital Imaging Associates
  • Carnegie Endowment for International Peace
  • Carquest Auto
  • CLB Publishers & Lithographers, Inc.
  • COMCAST - Arlington Cable TV
  • Consumer Credit Counseling Service of Greater Washington
  • CUNA (Washington Area)
  • Donut King
  • Dr. Gwendolyn Youngblood, MD., PC.
  • Encore Electronic Services Cooperative, Inc.
  • Family and Child Services of Washington
  • Family Choice Health
  • FedComp Incorporated
  • G4s Secure Solutions
  • Giant Food Stores, Inc. - Carlisle
  • Giant Food, Inc. - Landover
  • Gilbert Foods, LLC
  • Gina Williams Yoga
  • Harvey's
  • Hillwood Museum
  • Industrial Concepts
    (ICON Community Services)
  • Institute for International Economics
  • Interfaith Conference of Washington DC
  • International Food Policy Research Institute
  • J.Price International Truck, Inc.
  • JCS Incorporated
  • K.Neal Associates
  • Kastle Systems
  • Keany Produce Company
  • Kenwill Graphics
  • Landover Printing Company
  • Lifework, Inc
  • Local 31, National Association of Broadcast Employees and Technicians
  • MAC Risk Management
  • Market USA Cares Foundation, Inc
  • Martin's
  • MD DC Credit Union Association
  • Medical Support Services
  • Metropolitan Meat, Seafood and Poultry Company
  • NAFCU Services Corparation
  • National Association for Federal Credit Unions
  • National Capital Area Paralegal Association
  • National Council of La Raza
  • National Milk Producers
  • NBC Washington News Bureau (WRC)
  • Pasha Publications, Inc.
  • Patriot Technology Training Center
  • Peapod, LLC
  • Piggly Wiggly
  • Potomac Business and Professional Women
  • Potomac Physician's, PA of Laurel
  • Potomac Television Services Corporation (HTS)
  • Printing and Graphics Association MidAtlantic (PGAMA)
  • Public Broadcasting Service
  • Public Citizens
  • Regional Management Corporation
  • Reid's
  • Renosol Corporation
  • Rental Leasing Services (dba - NextCar)
  • Schreiner, Legge & Company
  • Shabach Ministries
  • Signal Graphics Company
  • Southeastern University Faculty and Staff
  • Specified Woodworking
  • State Farm Insurance Company, Duffy Insurance Agency
  • State Farm Insurance Company, Scriber Insurance Agency
  • State Farm Insurance Company, Somerville Insurance Agency
  • Stop & Shop
  • Summit Building Services, Inc.
  • Tops Market Inc.
  • Trust Technologies
  • US Food Service
  • US News & World Report
  • Venom Securitys
  • Verizon Center
  • Washington Metropolitan Area Credit Unions
  • WHUT TV (Howard University)
  • Winn Dixie
  • Winn Dixie Stores, Inc.
  • WJLA TV
  • WMAL AM-FM
  • Wolpoff and Abramson
  • Woodruff Road Kennels, Inc.
  • Wyndham Bristol Hotel
  • Wyndham Washington Hotel
  • YMCA of Metropolitan Washington

Footnotes

  1. Interest begins accruing upon disbursement of the loan. Loans and deferred payments are subject to credit approval. Current Market USA loans are not eligible for this promotion. Offer subject to change without notice. Certain restrictions apply. Ask us for details.
  2. A minimal processing fee per loan will be charged to your savings or checking account based on your monthly payment. 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. Contact us for details.
  3. The variable rate will be between 10.50% and 18.00%. The APR is calculated as Prime + a margin between 6.00% and 16.00%. Prime is 4.50% as of 12/14/17. Rates are based on an evaluation of applicant's credit.
  4. You must complete at least one transaction per year for your account to remain active.