About Us

Financial Cooperative

Market USA Federal Credit Union, like other Credit Unions, is a member controlled, not-for-profit financial cooperative where earnings are returned to members in the form of lower loan rates, lower fees and higher interest earned. We are governed by a volunteer Board of Directors elected by our members and run by a professional management team and staff. A volunteer Supervisory Committee ensures that the Board and management team meet required financial reporting objectives and controls.

Accounts are federally insured to at least $250,000 by the National Credit Union Share Insurance Fund and backed by the full faith and credit of the United States Government.

Mission Statement

Market USA FCU will serve the diverse financial needs of its members throughout their lifetimes.

Vision Statement

Market USA FCU will provide products and services that make Market USA FCU the preferred financial partner for our members; educate members to make informed decisions that contribute towards their financial success; and manage the credit union with financial integrity for the long-term benefit of its member owners.


Market USA Federal Credit Union was established in 1953 and located in Washington, DC. Originally founded as Giant Food Department Stores Federal Credit Union, the name was changed in January 1958 to Giant Food Federal Credit Union. The name changed again in December 2000 to Ahold USA Federal Credit Union to reflect the credit union's ability to serve the associates, retirees and family members of Ahold USA and its subsidiaries. In July of 2004, in keeping with our diverse membership, Ahold USA Federal Credit Union became Market USA Federal Credit Union.

In February 2003 Market USA Federal Credit Union merged with BI-LO Credit Association, headquartered in Mauldin, South Carolina. The merger has expanded our presence in the Southeast while bringing members competitively-priced services.

In June 2010, we merged with Epworth Federal Credit Union which broadened our field of membership to include church members, Clergy, Lay Pastors and employees of the Baltimore-Washington Conference of the United Methodist Church. Growth has enabled us to better serve our members as we continue to take advantage of economies of scale and to expand our products/services.

In September 2011, Market USA Federal Credit Union merged with National Capital Federal Credit Union, located in Landover, Maryland. This merger allows us to offer NCFCU members an expanded array of financial services while further broadening our area presence for existing Market USA members.

In June 2015, our field of membership expanded to include the Carolina Consumer Council, followed by the Maryland Consumer Council in August 2015. Both councils are affiliated with the American Consumer Counsel, a non-profit, consumer education organization. Our charter is now open to council members residing in MD, VA, DC, WV, PA, NC, SC, TN, & GA.