Exciting changes are coming!
As part of our ongoing commitment to providing you with the best financial services and modern banking solutions, we will be upgrading our systems to include new digital banking, a new statement design, and other enhancements - coming soon!
We understand the increasing importance of digital banking in our fast-paced world, and our new platform will bring a variety of new features, making banking with us even more seamless and user-friendly. It's designed with your best interests in mind and will significantly elevate your overall banking experience with us.
Rest assured, our commitment is to make this transition as effortless as possible for you. Stay tuned for more updates and get ready to embark on a new era of banking.
From gifts and food to parties and travel, there are a lot of costs that come along with the holiday season. Our Holiday Loan can help!
Keep your savings and get a low-rate Holiday Loan to cover expected (and unexpected) expenses. Apply online or call 301-586-3400.
* Annual Percentage Rate current as of 10/1/23. Offer available until 2/28/24. 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 $87.53 per $1,000 per month. Financing for qualified Market USA members.
As a Market USA member, you'll receive $50 for each new line you activate through Love My Credit Union Rewards. Plus, as a T-Mobile customer, you get to experience America's largest and fastest 5G network and you can enjoy amazing benefits available to Go5G Plus, and Go5G Next plans:
Call 877-520-1160 or schedule an appointment to speak with a Mobile Expert to get this offer.
$50 after rebate via virtual prepaid card when you port-in a new voice line on a qualifying plan.
You can raise your credit score, hike your credit limit, and still save money. Join us for this free webinar, offered through our financial education partner, KOFE (Knowledge of Financial Education).
In this webinar, you'll learn:
When: Wednesday, October 11th at 1:00 pm
We've launched 3D Secure, a new layer of security for our debit and credit cards to protect your online transactions. With 3D Secure, one-time passcodes are sent to your mobile phone to help us make sure your transactions belong to you. It is designed to help protect cardholders from fraudulent transactions by verifying the identity of the cardholder before a payment can be approved.
One-time passcodes will not apply to most transactions, so don't be alarmed if you don't receive a request. But also, don't be alarmed if you do: This extra authentication step is just a sign that our security measures are working to keep your accounts safe.
How it works: A passcode request will pop up during online transactions when our system detects the need for additional security. If you receive a request, check your mobile phone for a text containing the passcode, then enter it where prompted online.
If you have any questions, please send us a message using our Secure Form or through our Mobile App/Online Banking.
As a valued member of Market USA, we want to make sure you know that your deposits are safe and secure with us.
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.
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.
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:
Market USA FCU
8871 Gorman Rd, #100
Laurel, MD 20723
ABA Routing Number: 255077493
|Special Instructions||Any special instructions you have if applicable|
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:
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.
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.
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.
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.
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.
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.
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.
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.
Get the tax help you need and special member savings with TurboTax and H&R Block.
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.
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.
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.
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™.
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.
* 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.
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.*
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.
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 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 lovemycreditunion.org to get your member discount and start saving today!
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.
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 lovemycreditunion.org and start saving on car maintenance.
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.
The best part is that it's FREE to sign up and you never pay retail price at the shop! Visit lovemycreditunion.org to get member savings on your next outdoor vehicle.
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:
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:
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.
Our Fresh Start Loan can help you rebuild or establish credit by borrowing $500 for six months with no credit check required.online application, or visit one of our branch locations nearest you to get started.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
*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.
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.
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.