Membership

How to Join

You are eligible for membership if you meet any of the following:

• You are an employee or retiree of one of our select employer groups (SEGs).
• You are an immediate family member or household member of an existing member or eligible employee. Immediate family members include spouse, parent, child, sibling, grandparent, or grandchild.
• You become a member of the Market USA Cares Foundation with a $5.00 minimum donation.

Joining only takes a few minutes! Simply open a Membership Savings Account with at least $5.00 to become a member.

Why Join Market USA?

Market USA is a federally insured, not-for-profit cooperative which means you’ll enjoy lower loan rates, higher dividend rates, lower fees and personalized service. Take advantage of the many benefits we offer, including:

• Our high-rate 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.
• Pair our high-rate VIP Savings Account with VIP Checking to increase your earning power and maximize your savings.
• 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.
• Access to over 30,000 surcharge-free ATMs and 5,000 branches nationwide.
• 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 low-rate Visa Platinum cards.
• Budget-friendly home loans include fixed and variable rate first mortgages, home equity loans and lines of credit.
• State-of-the-art digital banking, offering free credit report monitoring, credit report insights, budgeting tools, savings goal tracking, spending analysis, and more.
• Products to help boost your credit score, such as our Fresh Start Loan and Visa Platinum Secured card.
• Low group rates available on life, auto, and home insurance.
• Free financial education and coaching services.
• Free coin counter and notary services.
• And much more!

¹Payments can be made during the two-month deferral period. During the two-month payment deferral, interest will accrue and may extend the original term of the loan. Offer does not apply to refinancing auto loans currently with Market USA. Offer is subject to change without notice. Market USA vehicle financing obtained through or initiated by an auto dealership within the Credit Union Direct Lending (CUDL) networks does not qualify for two-month payment deferral.

²A 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 an extension, loan must be open for at least 90 days and in good standing. Certain restrictions apply. Call for details.

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Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.