Market Center

Escape the Ordinary with Our Summer Loan

Want to broaden your horizons this summer? Whether you want to take that dream vacation, tackle a long-awaited project, or improve your cash flow, our Summer Loan can help you get the money you need.

  • Rates as low as 8.49% APR*
  • Borrow up to $5,000
  • 12-month term

Apply online, at a Market USA branch or call 301-586-3400.

* Annual Percentage Rate current as of 6/1/23. Offer available until 9/30/23. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a 0.25% discount for automatic payment, and an additional 0.50% discount 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 8.49% APR for 12 months are approximately $87.77 per $1,000 per month. Financing for qualified Market USA members.

Financial Technology Can Stretch Your Dollar

You can save more by doing less - and letting your phone do the work. Join us for this free webinar, offered through our financial education partner, KOFE (Knowledge of Financial Education).

In this webinar, you'll learn:

  • How to create a budget without having to do the math yourself
  • Little-known ways your employer can help you save
  • How to avoid scams and find the best apps

When: Wednesday, June 14th at 1:00 pm

Register today!

Your Deposits Are Safe

As a valued member of Market USA, we want to make sure you know that your deposits are safe and secure with us.

  • Market USA is extremely well capitalized - much higher than most other credit unions and banks in the United States. In ranking, we are in the top 8%*.
  • Market USA has very few low-rate long-term investments (less than 2.7% of capital)
  • Market USA is one of the safest financial institutions in the country
  • Deposits are federally insured by the National Credit Union Administration (NCUA) up to $250,000 per type of account ownership. Visit for more information. If you have over $250,000 on deposit with us, contact us to see if different account titling can be used to increase your coverage (like adding a different beneficiary or joint owner).


Make a worry free investment today by opening a certificate with us.

*Based on Data as of 12/31/22 for all banks and credit unions in the United States.

Transfer Funds From Another Financial Institution Through Our App or Online Banking

Online Banking or our Mobile App
You can easily transfer funds between your Market USA accounts and accounts you have elsewhere ($5,000 per day, $15,000 per month). To set up transfers, you will need your other institution's bank account number and routing number. There is no cost to transfer funds.

  • Online Banking
  • Log into Online Banking.
  • Choose Transfers and Send Money from the menu
  • If you have not previously set up an external account, you will need to click on the External Transfers tab to Add a New Payee.
  • From there, you will be prompted to enter the account information for your external (non-Market USA) account; finally, you will select Link Account.
  • To verify that the external account is yours, Market USA will make two small deposits into the external account within 2 - 3 business days. Once you see these deposits go through on your external account, you will need to return to Transfers and Send Money to verify the two small deposit amounts in order to use this account for transfers.
  • Once your external account has been set up, it will be available in the list of accounts when processing a transfer.
  • External transfers can take up to 3 days to process.
  • Mobile App
  • Log into the Mobile App.
  • Tap Transfer from the menu.
  • If you have not previously set up an external account, you will first need to choose External Transfer Accounts from the menu.
  • Tap the + sign next to External Accounts.
  • From there, you will be prompted to enter the account information for your external (non-Market USA) account; finally, you will select Link Account.
  • To verify that the external account is yours, Market USA will make two small deposits into the external account within 2 - 3 business days. Once you see these deposits go through on your external account, you will need to return to External Transfer Accounts, tap the external account, then confirm recipient to verify the two small deposit amounts in order to use this account for transfers.
  • Once your external account has been set up, it will be available in the list of accounts when processing a transfer. External transfers can take up to 3 days to process.

Wire Transfers
If you would like to transfer a higher amount, you can wire money from your other financial institution to your Market USA account. There is no cost for incoming wire transfers.

For wires coming into your Market USA account, you will need to provide your other financial institution with the following:

Beneficiary Market USA FCU
8871 Gorman Rd, #100
Laurel, MD 20723
ABA Routing Number: 255077493
Receiving Bank
  • Member Name
  • Member Number for wires into your savings account or checking number on bottom of checks to go into your checking account
  • Member Address
Special Instructions Any special instructions you have if applicable

We're Now Open on Saturdays at Our Laurel Branch

Our Laurel Branch, located at 8871 Gorman Rd, Suite 100, Laurel, MD 20723, is now open on Saturdays! We've made this change to better serve our members. Our new hours are:

Monday - Friday 9:00 am - 4:00 pm
Saturday 9:00 am - 12:00 pm

Hyattsville Branch Closing

Our Hyattsville Branch, located at 8200 Professional Place, #105, Hyattsville, MD 20785, permanently closed on Friday, December 9, 2022.

Our Laurel Branch, located at 8871 Gorman Rd, Suite 100, Laurel, MD 20723, is open Monday through Friday, 9:00 am - 4:00 pm.

Members also have access to over 5,000 branches through the Shared Branch Network. Visit the Shared Branch Locator to find locations near you. If you have not used a shared branch within the last 6 months, please contact us to opt-in.

We offer a variety of digital services for convenient access to your accounts:

  • Online Banking/Mobile App - Access accounts anytime with Online/Mobile Banking. View account balances, access recent transactions, transfer funds, send money, open accounts, pay bills and more. If you are not yet signed up for Online Banking, you can enroll online, then download our Mobile App from your app store.

    Market USA Android app on Google Play

    Download on the App Store

  • Mobile Check Deposit*- With our Mobile App, you can deposit a check with your mobile device (checking account required). Simply endorse the check and write "for e-deposit only at Market USA" under your signature, enter your check information, snap a picture of the front and back, and submit. You'll receive an email once your account has been credited.
  • Surcharge-Free ATMs - Access 30,000+ surcharge-free ATMs through the CO-OP and Alliance One Networks (some ATMs also accept deposits). Find an ATM near you.

We apologize for any inconvenience this closure may cause. If you would like to opt-in to the Shared Branch Network, please contact our Member Service Center by sending a message through our Secure Contact Form or within our Mobile App/Online Banking, emailing Member Services, or calling 301-586-3400.

* Membership must be established for at least 90 days; checking account must be opened for at least 30 days; account must be in good standing; primary account holder must be at least 13 years of age. Additional restrictions apply. Visit our website for details.

Stay in Control of Your Finances with e-Alerts

e-Alerts keep you in the know about account information that's important to you. You can set up text and/or email notifications regarding your account security and activity.

Login and Security Alerts

Receive notifications when a secure message has been sent to you, your contact or login credentials have changed, or a password has been reset. To set up these alerts in Online Banking, select Messages & e-Alerts from the menu, then Manage Alerts. To set up alerts in the Mobile App, select Manage Alerts from the menu.

Transaction Alerts

Receive notifications on direct deposits, automatic withdrawals, insufficient funds, Privilege Pay, debit card transactions, low balance notifications, and more. You must be enrolled in e-Statements to access transaction alerts. To set up these alerts in Online Banking, select e-Statements from the menu, then Alerts, Manage Alerts. To set up alerts in the Mobile App, select e-Statements from the menu, then Notifications, Alerts, Manage Alerts.

7 Ways to Avoid Getting "Skimmed" at the Gas Pump Brought to you by KOFE

Take these steps to foil criminals after your credit or debit card data when you fill up.

The national average gas price was $4.77 a gallon as of the first week of July, according to AAA. Depending on how big your vehicle's gas tank is, you're already paying what may seem like a fortune at the pump. But what if you had to pay even more, straight from your bank account or credit card, thanks to criminals attaching credit and debit card skimmers to the payment terminal?

Skimming can happen if you pay with a credit or debit card at a gas pump that has an illegal skimmer, a card reader that steals data from your card's magnetic strip. Gas pump pay terminals aren't the only place you may encounter a skimmer, either. Criminals also attach card skimmers to ATMs and other types of point-of-sale (POS) terminals, too.

Skimmers at gas pumps, ATMs, and POS terminals cost consumers and financial institutions more than $1 billion each year, according to the FBI.

Once thieves steal your card's data, they either sell the stolen data to other criminals or use your credit card number to make fraudulent purchases. If you don't check your bank or credit card account regularly, you probably won't even know that your card number has been stolen or used for fraudulent transactions.

Worried you could become a skimmer's next target?

Below are seven ways to help protect your credit or debit card data from criminals eager to swipe those numbers when you use your card to fill the tank.

  • 1. Inspect the Fuel Payment Panel
    It's easy to miss signs that a card skimmer is waiting to steal your data. That's because skimmers are often (but not always) attached to the wiring inside the pump, according to the FBI. That doesn't mean you won't see signs of tampering if the skimmer is attached outside, though. For example, many gas stations place a security seal that looks like a piece of tape over the payment panel. If someone has opened the panel to install a card reader in the wiring, the tape will display "void," according to the Federal Trade Commission (FTC).
  • 2. Look Closely at the Card Reader
    Before you swipe your card at the pump, take a minute to compare the card reader to the ones on the other gas pumps. Is it identical, or does it look different in some way? Maybe it sticks out further than the rest, for example. The FTC recommends trying to wiggle the card reader before using it. "If it moves, report it to the attendant," advises the FTC. "Then use a different pump." Even with these measures, however, you won't be able to detect an internal card skimmer.
  • 3. Use the Chip Reader Instead

    When you insert your credit or debit card into the chip reader, your credit card number is more secure from being skimmed. "In the U.S., there are fewer devices that steal chip data vs. magnetic strip data," according to the FBI.

    But even this method may not protect your card's data. That's because when you insert a chip card, you could become a victim of "shimming," where criminals insert a thin device called a shim into the card reader where you insert your chip-enabled card to clone the data on the magnetic strip.

    At this point, shimming can't clone the three-digit CVV security code on the back of the card, so criminals may find it more difficult to use your card to make fraudulent purchases, according to major credit bureau Experian.
  • 4. Use a Pump Near the Entrance
    When choosing a gas pump, use one that's close to the gas station entrance rather than one toward the back of the lot. "Choose a fuel pump that is closer to the store and in direct view of the attendant," advises the FBI. "These pumps are less likely to be targets for skimmers."
  • 5. Pay with a Credit Card

    If you pay for gas with a credit card and the card's data is stolen for fraudulent transactions, federal law limits your liability to $50. Most credit card companies go further with a zero-liability policy when the card is used for fraud.

    When you pay with a debit card, you won't have that same liability protection, and fraudulent purchases with the debit card are deducted directly from your checking account. Even worse, if someone gains access to the PIN you enter, they also have access to your cash.
  • 6. Pay with Mobile Wallets
    If it's an option, pay with mobile payment options such as Google Pay, Apple pay or similar mobile wallets, advises Experian. That way, your credit or debit card gets nowhere near a card skimmer.
  • 7. Pay Inside

    We all love the convenience of paying with a credit card at the pump. But if you don't want to risk unwittingly handing over credit or debit card numbers to criminals via a card skimmer, the best protection is to trudge up to the station door, wait in line and pay the cashier.

    While there is less chance that someone installed a skimmer or shim to the POS terminal inside, there's still some risk when you use your card. The only foolproof way to not get shimmed or skimmed is to pay cash (or using a mobile payment system) when you fill the tank.

For more financial education information visit your KOFE Portal.

Save on TurboTax® and H&R Block® This Tax Season

Get the tax help you need and special member savings with TurboTax and H&R Block.

  • TurboTax - File with the #1 best-selling tax software, to help you get your taxes done right, and get your maximum refund, guaranteed. PLUS, as a credit union member you can save up to $15 when you file with TurboTax. Get started with TurboTax today!
  • H&R Block - Whether you want to meet with a tax pro in-office, via drop off, or send your documents virtually, let the tax pros do the rest. H&R Block will always get your biggest possible refund, guaranteed. PLUS, as a credit union member, first-time filers receive $25 off their expert tax prep, and returning customers get the Tax Identity Shield® add-on. Get your H&R Block coupon now and save!

Savings Made Simple!

We are now offering an easy way to build your savings while using your Market USA Checking Account! With our new Round-Up and Save Program, your debit card purchases are rounded up to the nearest dollar, and the difference is deposited into your Savings, Holiday Club, Vacation Club, or Money Market Account, your choice! This includes your joint accounts as well. The change from each purchase is accumulated into one amount and transferred daily to the account you choose.

To enroll in Round-Up and Save, use our Secure Contact Form, email or call 301-586-3400.

Market USA Earns Great Place to Work Certification™ for the 4th Consecutive Year

Market USA is proud to be Certified™ by Great Place to Work® for the fourth consecutive year. The prestigious award is based entirely on what current employees say about their experience working at Market USA.

Great Place to Work® is the global authority on workplace culture, employee experience, and the leadership behaviors proven to deliver market-leading revenue, employee retention and increased innovation.

"Great Place to Work Certification™ isn't something that comes easily - it takes ongoing dedication to the employee experience," said Sarah Lewis-Kulin, vice president of global recognition at Great Place to Work. "It's the only official recognition determined by employees' real-time reports of their company culture. Earning this designation means that Market USA is one of the best companies to work for in the country."

"We are thrilled to once again become Great Place to Work-Certified™ as we consider employee experience a top priority every day," said Laura Hassan, President & CEO. "We owe our continued success to our team of dedicated associates at Market USA. We celebrate and thank them for all they do to earn this incredible recognition."

According to Great Place to Work research, job seekers are 4.5 times more likely to find a great boss at a Certified great workplace. Additionally, employees at Certified workplaces are 93% more likely to look forward to coming to work and are twice as likely to be paid fairly and have a fair chance at promotion.

About Great Place to Work Certification™

Great Place to Work® Certification™ is the most definitive "employer-of-choice" recognition that companies aspire to achieve. It is the only recognition based entirely on what employees report about their workplace experience - specifically, how consistently they experience a high-trust workplace. Great Place to Work Certification is recognized worldwide by employees and employers alike and is the global benchmark for identifying and recognizing outstanding employee experience. Every year, more than 10,000 companies across 60 countries apply to get Great Place to Work-Certified.

About Great Place to Work®

Great Place to Work® is the global authority on workplace culture. Since 1992, they have surveyed more than 100 million employees worldwide and used those deep insights to define what makes a great workplace: trust. Their employee survey platform empowers leaders with the feedback, real-time reporting and insights they need to make data-driven people decisions. Everything they do is driven by the mission to build a better world by helping every organization become a great place to work For All™.

Learn more at and on LinkedIn, Twitter, Facebook and Instagram.

Free ATM Transactions for Members Under Age 25

Great news! Members under the age of 25 with a Market USA checking account are eligible for eight free ATM transactions at CO-OP, Alliance One, PLUS®, and Star® networks! The fee after eight is $1.00 per transaction; however, keep in mind that ATM surcharges may also apply. To avoid the surcharge, you can visit any ATM in the CO-OP network. Find an ATM near you.

Once you turn 25, you can continue to receive this benefit with a monthly direct deposit of at least $500.

  • Additional perks of your Market USA checking account include:
  • No minimum balance requirement
  • Dividends on average daily balances of $1,000 or more
  • Over 5,000 shared branches (access your Market USA checking account at any of them)
  • Deposit checks 24/7 with Mobile Check Deposit*
  • Online and Mobile Banking
  • Free unlimited online and mobile Bill Pay
  • Pay anyone, anywhere with Popmoney (available in Bill Pay)
  • e-Statements and e-Alerts

Questions? Contact our Member Service Center at 301-586-3400 or through our Secure Contact Form.

* Membership must be established for at least 90 days; checking account must be open for at least 30 days; account must be in good standing; primary account holder must be at least 13 years of age. Additional restrictions apply. Visit our Mobile Deposit Terms & Conditions for details.

First-Time Homebuyers: Up to $7,500 Available for Home Purchase

Buying your first home is an important milestone in your life. Here at Market USA, we understand that finding the right financing plan is as important as finding a home that fits your lifestyle.

To help you get started on solid footing, Market USA can help first-time homebuyers access up to $5,000 to assist with the down payment and closing costs incurred when purchasing a home. Funding is available to qualified first-time homebuyers.*

  • In addition to meeting income eligibility requirements, the homebuyer must:
  • Contribute at least $1,000 toward the purchase of the home
  • Occupy the home as a primary residence for at least five years
  • Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta

Market USA prides itself on providing accessible and feasible financial resources and mortgage products to first-time homebuyers. Please contact a mortgage consultant at 571-328-5036 to determine if you are eligible for First-time Homebuyer funding and to begin your application process.

* *Eligibility requirements apply. Please contact our Mortgage Department for more information.

Get Whole Home Protection for Less!

As a Market USA member, you can protect what matters most for much less. Members get a free home security camera plus 2 free months of 24/7 professional monitoring ($150 value) with the purchase of a new SimpliSafe security system.

SimpliSafe offers reliable whole home protection, with 24/7 professional monitoring and police dispatch that's up to 3.5x faster, all at fair prices and no contract. Ever. SimpliSafe got rid of all the hassles of home security.

  • SimpliSafe covers every room, every window, every door. Every minute of the day.
  • Monitoring starts at just $14.99 per month for total protection, a fraction of traditional companies. With no contract or hidden fees.

SimpliSafe was named CNET Editors' Choice and "the best home security system" by Wirecutter. Over 3 million people already rely on SimpliSafe. Now's a great chance to join them. Visit to get your member discount and start saving today!

One-Time Pin Authentication Available for Online Banking

For added security in Online Banking, enroll in One-Time PIN Authentication (not available for Mobile Banking). Every time you sign into Online Banking, you'll receive an email with a PIN which you will need to log in.

  • Follow these steps to enroll today!
  • 1. Log into Online Banking
  • 2. On the left menu bar, choose Settings, then Additional Services
  • 3. Turn on One-Time PIN Authentication (on the right)
  • 4. Save Changes

Never Pay Retail for Car Maintenance Again

Car maintenance doesn't have to break you. With CarAdvise you're back in control of your car's maintenance needs.

CarAdvise is the nation's largest online marketplace for vehicle maintenance and repair. CarAdvise puts you back in control of your car care needs. Plus, as a Market USA member you will never pay retail again, and save an additional $10 off your first booked service!

With just a few clicks, you can avoid the usual hassle at the shop by scheduling, approving and paying for services all from your phone! Not sure what you need, or if the price is too high? No problem - just talk to one of their licensed mechanics they'll make sure you don't agree to unnecessary work or pay too much.

The best part is that it's FREE to sign up and you never pay retail price at the shop! To join the car care revolution, visit and start saving on car maintenance.

Save on Powersports & RVs through Love My Credit Union Rewards!

Looking to get outdoors? You can get special access to member savings on motorcycles, RVs, ATVs, UTVs, jet skis, snowmobiles and golf carts with the Love My Credit Union Rewards Powersports & RV Buying Program. PLUS, you can get up to 20% off parts, service, gear, accessories and more.

  • Benefits and How It Works:
  • 1. Find Your Dream Vehicle: Members get special access to shop thousands of new and used RVs, motorcycles, SxS, ATVs, and more from the nationwide Certified Dealer network.
  • 2. Get Upfront Savings: Receive upfront, transparent pricing and special member savings before heading to the dealership.
  • 3. Save Time and Money: Redeem your member offer at a Certified Dealer and know you're getting a deal without the hassle. PLUS get up to 20% off parts, service, accessories and more.

The best part is that it's FREE to sign up and you never pay retail price at the shop! Visit to get member savings on your next outdoor vehicle.

Membership Benefits Last a Lifetime

Once you become a member of Market USA, you remain a member for life - even if you change jobs, move or retire. Here are just a few ways your credit union can support you throughout your financial journey:

  1. You are an owner. Because we are a not-for-profit cooperative, you become an owner of the credit union when you join.

  2. You pay lower loan rates and earn higher dividends. Profits are returned to you and other members through lower loan rates and higher savings rates. Also, unpaid qualified volunteers serve on our Board of Directors and committees. This means lower costs of doing business--no hefty payments to a corporate board. We pass along those savings to you in the form of better deals.

  3. You pay lower or no fees. You'll find no or lower fees on ATMs, checking accounts, credit cards and more.

  4. You get extra attention. Our staff can help you work towards financial health. We are here to answer your questions or offer one-to-one counseling.

  5. We're always nearby. Even if you're not close to a Market USA branch, you have access to over 5,000 Shared branches and 30,000 surcharge-free ATMs. Visit our Self-Service Guide for additional ways to access your accounts.

We'll Help You Find Your Next Home....and a Great Mortgage Rate

Whether you're looking to buy or sell a home, Market USA has got you covered! HomeAdvantage® is our free real estate program that allows you to:

  • Search for homes: Search current online property listings. Save your search and get email alerts when new properties are available. Search listings now.
  • Find the right agent: Search through our network of top, local real estate professionals to find one that is right for you. Find an agent.
  • Earn Cash Rewards*: Use one of our agents to buy or sell your home, and save $100's to $1,000's in Cash Rewards* at closing. Calculate your savings.

Whether a first-time or experienced homebuyer, HomeAdvantage will simplify the entire process and save you time and money! We also offer a variety of mortgage options including fixed rate, adjustable rate, FHA loans and more. Our online Loan Consultant can help you choose a loan that's right for you.

Visit HomeAdvantage to get started today!

* Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.

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.

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.

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


  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.