Fall 2022 Market News

Maximize Your Money
with our VIP Checking and NEW high-rate Savings Account!

Starting November 1st, you will be able to earn more with your money by having both high-rate VIP Accounts. That's right, not only have we made changes to our VIP Checking Account, we've added a VIP Savings Account to increase your earning power with Market USA! Below, find details for both accounts:

  • High-Rate VIP Checking Account
    3.01% APY1
  • No minimum balance requirements
  • No monthly maintenance fees
  • Over 30,000 surcharge free ATMs
  • Over 5,000 shared branches
  • Initial check order free with direct deposit2
  • Effective November 1st, the monthly number of debit card transactions required to earn 3.01% APY will change from 12 to 15 and we will no longer require 3 bill payment transactions.
  • Additional requirements (that remain the same): Enrollment in e-statements and direct deposit of at least $500 per month
  • NEW High-Rate VIP Savings Account
    1.00% APY2
  • VIP Checking Account Required
  • Must meet Gold or Platinum tier criteria to earn this rate

Ready to earn more? Open a VIP Checking and/or Savings account (available on November 1st) by simply logging into Online Banking or our Mobile App and clicking on "New Account," calling 301-586-3400, or stopping by a branch.

1 Annual Percentage Yield current as of 10/1/22 and subject to change. VIP checking requirement to earn APY: (1) enrollment in e-Statements; (2) monthly direct deposit of at least $500; direct deposit from a single source cannot be used to meet the requirement for multiple accounts; and (3) 15 Visa Debit Card purchases per month for Platinum tier; 12 Visa Debit Card transactions for Gold tier which earns 2.01% APY; minimum purchase, $5; purchase returns will reduce your number of transactions; multiple transactions of the same amount, on the same day, may cause your transactions to post manually, which will not count towards the qualification limits All Visa debit purchases must be posted to the account by close of business on the last business day of the month to qualify. APY applies to balances through $15,000; balances above $15,000 earn the prevailing rate paid on standard checking accounts. One account per member/SSN. Checking accounts subject to eligibility. Primary account holder must be at least 13 years of age. Additional restrictions apply. Visit marketusafcu.com for details. 2Signature style checks only. 3Annual Percentage Yield (APY) current as of 11/1/22 and subject to change. VIP Savings requirement to earn APY: (1) an active VIP Checking Account and (2) qualifications met for the VIP Checking Gold or Platinum tier. APY applies to balances up to $25,000; balances above $25,000 will earn the top tier main share savings rate. If high-rate VIP Checking criteria is not met, rate earned will be the bottom tier main share savings rate.

Switch Your Checking Account Quickly and Simply!

Too many people stay with a less than satisfactory banking experience because it's too much trouble to switch. But switching your direct deposits and automatic payments to Market USA doesn't need to be a hassle. We've made it easier than ever with ClickSWITCH.

In as little as 10 minutes, switch all your direct deposits and automatic payments to your new or existing account at Market USA. This eliminates the hassle of contacting each business and helps ensure a smooth transition.

To get started, call 301-586-3400 or visit your local branch to receive your activation code. Then simply log into ClickSWITCH and you'll activate this secure online solution in a few simple clicks.

Boost Your Holiday Budget!

Holiday expenses have a way of creeping up on us. Our Holiday Loan is a perfect short-term solution to cover gifts, travel, parties, decorations and more.

  • Rates as low as 7.99% APR*
  • 12-month term
  • Borrow up to $5,000

Wrap things up early this year. Apply online or call 301-586-3400 today.

* Annual Percentage Rate current as of 10/1/22. Offer available until 2/28/23. 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 7.99% APR for 12 months are approximately $87.54 per $1,000 per month. Financing for qualified Market USA members.

How to Invest Without Being Rich Webinar

You can profit without wealth, and with little risk - by investing in yourself. Join u for this free webinar, offered through our financial education partner, KOFE (Knowledge of Financial Education).

In this webinar, you'll learn:

  • How to earn 50% on your money - and make your boss pay for it
  • Why retirement accounts can be so lucrative
  • The basics of safe investing in stocks and bonds

When: Wednesday, November 9th
1:00 pm
Register Today

FlexPay: An Easy Way to Save on Your Monthly Expenses

If you have a Market USA auto or personal loan and are looking to save on your monthly expenses, you may be eligible to lower your payments through FlexPay!* 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 the Mobile App, and select FlexPay from the menu. You can customize your loan payment by moving the dial until you find a monthly payment and term that fits your needs. Once you're ready, select the Extend Term button, e-sign, submit your loan documents, and you're done! The process is quick and easy, plus there are no fees or credit inquiries.

*Member must be in good standing. Other restriction apply. Ask for details.

Four Tips for Purchasing Your Next Vehicle Online
Plus, get a $100 cash reward from Love My Credit Union Rewards when you buy a vehicle from Carvana*

No matter how you plan to purchase your next vehicle, the car buying process can be daunting and leave you feeling like you've been taken for a ride. Fortunately, online dealers, like the popular Carvana, have streamlined the process and created more transparency in their pricing. But doing your car shopping 100% online doesn't always mean 100% less stress.

We're here to help. If you're looking to purchase your next car online, check out these tips.

  • Tip #1: Finalize Your Financing

    Before you set foot on the virtual lot, work with your credit union to get all of your ducks in a row - and most important, determine what your budget is. It's good to get pre-approved for an auto loan so you can shop the online showroom with confidence.

    When your finances are firmed up, the fun can begin. Through online dealers like Carvana, you can filter vehicles based on your budget. It's a great way to shop for cars you know you can afford.
  • Tip #2: Do Your Research

    It's not just about finding a car within your budget; it's about finding a car that you love within your budget. Which means you'll have some digging to do.

    Are you looking for great fuel economy? Off-road versatility? Trailer and towing capacity? Figure out what features are a must and which you can live without. Once you know what you want, it's easier to narrow down your search. And be sure to check out Carvana's 150-point inspection which includes a CARFAX history report.
  • Tip #3: Test Drive in Real Life
    Purchasing a vehicle online doesn't mean you can't take a test drive. In fact, thanks to Carvana's 7-Day Return Policy, you can have the vehicle delivered to your driveway and drive it risk-free for a week. Isn't exactly what you wanted? They'll come pick it up for a full refund.
  • Tip #4: Cash in on a $100 Credit Union Member Reward
    Finally, if you're a credit union member, be sure to visit Love My Credit Union Rewards and receive $100* when you purchase a vehicle through Carvana. It's just one of the many perks of being a credit union member.

Get pre-approved for your low-rate auto loan online or by calling 301-586-3400. Then visit our Resources page to access Carvana through Love My Credit Union Rewards.

*Valid only for Carvana purchases through LoveMyCreditUnion.org. See Terms and Conditions

Holiday Closings

  • Columbus Day October 10, 2022
  • Veterans Day November 11, 2022
  • Thanksgiving Day November 24, 2022
  • Christmas Day observed December 26, 2022
  • New Year's Day observed January 2, 2023