Winter 2023 Market News

Increase your earning power with rates higher than the national average on our High-Rate VIP Checking and High-Rate VIP Savings accounts. Grow your deposits faster while enjoying access to your money and the flexibility to withdraw funds when needed. Get the best of both worlds when you have both high-yield accounts:

• High-Rate VIP Checking Account 4.00% APY1
• No minimum balance requirement
• No monthly maintenance fees
• Over 30,000 surcharge free ATMs
• Over 5,000 shared branches2
• Initial check order free with direct deposit3

• High-Rate VIP Savings Account
  2.50% APY4
• VIP Checking Account Required
• Must meet Gold or Platinum tier criteria to earn this rate

Ready to maximize your money? Open a VIP Checking and/or Savings account 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 1/13/23 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. 2 You must opt in if you haven't used a Shared Branch within the last 6 months. To opt-in, email memberservices@marketusafcu.com, message us within our App/Online Banking, or call 301-586-3400. You must opt-in again if you don't use this service within 6 months. 3 Signature style checks only. 4 Annual Percentage Yield (APY) current as of 1/13/23 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.

• 10-Month Certificate
• 4.24% APY* with e-Statements
• 4.14% APY* without e-Statements

• 17-Month Certificate
• 4.44% APY* with e-Statements
• 4.34% APY* without e-Statements

Watch your savings grow! Open a certificate through Online Banking or our Mobile App, call 301-586-3400, stop by a branch or fill out the certificate application and send it with your deposit to: Market USA FCU, 8871 Gorman Rd, Suite 100, Laurel, MD 20723.

* APY (Annual Percentage Yield) effective as of 12/19/22. Offer available for a limited-time only and subject to change without notice. Minimum deposit of $500 required to earn stated APY. Requirement to earn APY: activated e-Statements. Certificate is only valid for a single 10-month and 17-month term. 10-month certificate will auto renew to a standard 12-month term; 17-month certificate will auto renew into an 18-month term. A withdrawal of dividends or the occurrence of fees could reduce earnings. Early withdrawal penalties may apply. Cannot be combined with any other offers or promotions

As a Market USA member, you will soon be able to send and receive money with friends, family and those you know and trust directly from our mobile app or Online Banking with Zelle®. Beginning in late March, look for communications from us with more information on how you can enroll and start sending money with Zelle®. As a reminder, Market USA will never call, text, or email you and ask for your passcode, account number or SSN. If you have any questions or need assistance, email memberservices@marketusafcu.com or call 301-586-3400.

In late February/early March, cardholders will be issued replacement credit cards with a brand-new look that feature contactless "tap and go" capabilities. Simply look for the contactless symbol on any POS terminal, tap your contactless card over the symbol and go on your way - you'll have just made an easy, fast and secure payment using EMV chip technology!

Please Note: Cardholders will need to activate and start using your new card beginning March 26, 2023. Your old card will not work after March 25, 2023. More details coming soon!

When: Friday, April 21, 2023 5:30 pm Light Refreshments 5:45 pm Business Meeting

Where: Market USA FCU 8871 Gorman Rd, Suite 100 Laurel, MD 20723

Join us as the Chairperson of the Board of Directors and CEO/President review our 2022 accomplishments and discuss our plans for 2023.

There are four vacancies on Market USA FCU's Board of Directors. The Nominating Committee has nominated the following members to fill the open board positions:

• Robin Anderson
  Robin has been a Market USA Board Member since 2013. She began her career with Giant Food, LLC in 1980. In the 39 years she has been with Giant Food, she has held multiple leadership positions and currently is the Interim Vice President of Human Resources. She holds a Bachelor of Science and Master's Degree in Business from the University of Maryland. Robin has been recognized and honored for her contributions over the years. She is a graduate of the 2016 Ahold Retail Academy, a 2015 Griffin Report Women of Influence Honoree, the 2015 Giant LLC Human Resources Associate of the Year, 2010 Top Women in Grocery "Rising Star" & Top Women in Grocery Senior Executive 2018 and the Izzy Cohen Legacy award winner in 2021 just to name a few. She also serves on the Market USA Federal Credit Union Board of Directors as the Vice Chairperson.
• Rebecca M. Havard
  Becki has been a Market USA Board member from 1980- 1989 and 1991-present. She was an employee of Giant Food Federal Credit Union from 1972-1978 and 1987-1988. She retired in 2007 as the Finance Manager for the Domestic Violence Center of Howard County, Inc. She also worked part-time at Citizen Services, Howard County Government, as the Supportive Housing Program Manager from 2007 until October 2013. Becki is currently active in two charitable organizations, and has held the position of Treasurer with three non-profit organizations. Education: University of Maryland, Bachelor of Science, Business Administration; Prince George's Community College, A.A., General Studies.
• Dianne Leonard
  Dianne has been a Market USA Board Member since 2019. She joined C & S Wholesale Service, Inc. in 2018 as the Sr. Human Resources Business Partner for the Mauldin Distribution Center. Prior to joining C & S, she was with Bi-Lo for 25 years as Sr. HR Manager. She also held the positions of Manager of Organizational Effectiveness and HR Business Partner for two Districts. She graduated from the University of South Carolina with a B.A. degree in Journalism. She holds the SHRM- SCP and PHR certifications. In her retirement, she volunteers in her community, working at a soup kitchen and serving on the Board of Directors for the Allen Temple Community Economic Development Corporation.
• Stevie Smith
  Stevie has been a Market USA Board Member since 2022. She is a Certified Senior Professional of Human Resources, she assumed the role of Corporate - Human Resource Business Partner in January of 2019 after 26 years of progressive leadership roles within Giant Food. In her current position, Stevie reports directly to the Vice President of Human Resources, provides strategic HR guidance to the Senior Leadership team and leads HR support to Merchandising, Marketing, Store Operations, Asset Protection, Pharmacy, Finance and Strategy. She also serves as the liaison between these functional areas and the HR specialties: Learning & Development, Organizational Development, Recruitment, Diversity & Inclusion, Communications, Benefits and Payroll. Stevie has lead responsibility for implementation of their annual Associate Engagement Survey, Rewards & Recognition and Performance Management. Since joining Giant Food as a Cashier in 1993, Stevie has advanced to several leadership roles, including: District HRBP, Store Manager, Deli/Bakery Specialist, and FrontEnd Specialist. She holds both a Bachelor's and a Master's degree in Business Management/Human Resources from Johns Hopkins University. She is currently pursuing her Ph.D. in Industrial and Organizational Psychology and holds PHR and SPHR certifications. Stevie and her husband Dave and their daughter Ashley live in Northern Virginia with their Great Pyrenees, Riggs.

Nominations May Also Be Made by Petition
The petition form may be obtained from the Credit Union and must be completed fully and legibly and signed by at least one percent of the credit union's membership (at least 192 signatures, not to exceed 500 signatures). Members who would like to file a petition must file with the Secretary of the Board of Directors by February 10, 2023. Biographical data on the nominee must be submitted with the petition. Biographical and petition forms will be available after January 2, 2023, by calling the Credit Union at 301-586-3400. In accordance with the Credit Union's bylaws, no nominations will be accepted at the Annual Meeting unless insufficient nominations have been made to provide for one nominee for each position to be filled. An election will not be held and there will be no nominations from the floor when the number of nominees equals the number of positions to be filled. If there is more than one nominee for each available position, an election will be held by ballot boxes placed at our branches April 10 - April 14, 2023. Should there be an election, absentee ballots may be requested by calling the Credit Union at 301-586-3400. Absentee ballots must be returned to the Credit Union by April 14, 2023. If the number of nominees equals the number of vacancies, there will be no election and the nominees will be declared by acclamation. The election results will be announced at the Annual Meeting.

Are you headed off to college or trade school in 2023? The $12,000 Credit Union College Scholarship Program is now accepting applications! College-bound members are eligible to apply for one of ten $1,000 essay-based scholarships; one $1,000 video-based scholarship; and one $1,000 photo-based scholarship. And, yes, you may apply in all three categories. Deadline for applications is April 15, 2023. Scholarship winners will be announced in June 2023.

• This year's essay topic:
  "More than two-thirds of people in America are not financially healthy. How would you define financial health? Describe how your credit union has helped you understand how to manage your money."
• This year's video topic:
  "To be financially literate, or financially healthy, is to know how to manage your money. Show one lesson you've learned from your credit union about managing your money."
• This year's photo theme is:
  "Cooperation"

Any member of Market USA entering their freshmen through senior year of college or trade school may apply. Applications are accepted online at cufound.org/scholarship. Market USA, the Credit Union Foundation MD|DC, and its generous supporters cooperate to make this scholarship program possible.

We are thrilled to have been certified by Great Place to Work® for the 4th consecutive year! The Great Place to Work Certification™ recognizes employers who create an outstanding employee experience. The prestigious award is based entirely on what current employees say about their experience working at Market USA. We are proud to be one of only 44 credit unions in the United States given this certification for the year 2022-2023. 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.

The beginning of the year is a time of resolutions and renewal. Even if you're not the kind of person who hits the gym with renewed vigor come January, getting those post-holiday credit card statements can get your heart racing. That's why the beginning of the year is a great time to check in on your financial standing, make sure you weren't the victim of holiday fraud and ensure that your credit is in good shape.

There's no time like the present to get a copy of your credit report and go over it with a fine-toothed comb. It'll help you keep on top of your finances, let you know if you should refinance your debt at a lower interest rate and give you an idea of how to use your upcoming tax refund (if you're getting one) this year.

• What should you look for in a credit report?The beginning of the year is a time of resolutions and renewal - and the perfect time to check in on your financial standing to ensure you weren't the victim of holiday fraud, and that your credit is in good shape.
• Why should I want to see my credit report?The value of going over your credit report is enormous. You can find errors and correct them, discover what you need to do to get your credit score as high as possible, and understand what factors are affecting it, potentially saving thousands of dollars on any mortgage funding, auto loans or credit cards you get this year.
• Do I still need my credit report if I know my credit score? Your credit score can be a handy way to summarize your credit history, but it can also vary from agency to agency, often by significant margins. If you want to improve your credit score, you will need to see what's actually on your report so you can take steps toward improving it.
• How do I get my credit report? Visit AnnualCreditReport.com - the one recommended by the government's Consumer Finance Protection Bureau (CFPB). You're entitled to a free copy of your credit report every year, and AnnualCreditReport.com will give you a copy of your report from each of the three credit bureaus.
• Now that I've got it, what should I look for? Make sure every account is familiar, that nothing is outstanding on which you're not currently making payments, and that there's nothing in default. Remember to check and confirm balances are correct as well.
• How do I dispute an error on my credit report? Contact the credit reporting agency that reports the error and the company that claims you owe it money. Make sure to make copies of any supporting documents you have, keeping the originals on file. While any company that corrects a mistake on your behalf must tell all reporting agencies, they may not follow through. So be sure to follow up if necessary.

Why? Financial companies choose how they share your information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your information. Please read this notice carefully to understand what we do.

What? The types of personal information that we collect and share depend on the product or service that you have with us. This information can include: (1) name and address; (2) Social Security number and income; (3) types of accounts that you have with us; (4) account balances and payment history; and (5) credit history.

How? All credit unions need to share members' personal information to run their everyday business - to process transactions, maintain accounts, and report to credit bureaus. Below, we list the reasons that Market USA chooses to share and whether or not you can limit this sharing.

For everyday purposes - to process your transactions, maintain your accounts and report to credit bureaus.
• For our marketing purposes - to offer our products and services to you.
• For joint marketing with other financial companies. We partner with non-affiliated financial companies to assist in offering and marketing various products on our behalf.

HOW TO LIMIT INFORMATION SHARING

You can contact us at any time to limit our sharing. To opt out of ALL marketing, please contact us as follows:

• Phone: 301-586-3400
• Email: memberservices@marketusafcu.com
• Mail: Account Operations, Market USA FCU, 8871 Gorman Road, Suite 100, Laurel, MD 20723

SHARING PRACTICES

How does Market USA protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Market USA collect my information? We collect information about you from the following sources: (1) information that we receive from you on applications or other forms; (2) information about your transactions with us; (3) information about your transactions with nonaffiliated third parties; and (4) information from a consumer reporting agency.

Why can't I opt-out of all sharing? Federal Law gives you the right to limit sharing only for: (1) sharing with affiliates for everyday business practices; (2) sharing with affiliates that market to you; and (3) sharing with non-affiliates to market to you. Market USA allows you to opt out of all marketing by following the instructions outlined above.

What happens when I opt-out of sharing for an account I hold jointly with someone else? Your choices will apply to everyone on the account.

DEFINITIONS

Affiliate: Financial or non-financial companies related by common ownership or control.

Non-affiliates: Financial or non-financial companies not related by common ownership or control.

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products and services to you.

Questions? Contact us at 800-914-4268 or 301-586-3400.

Note: When we use the words "we," "our," "us" and "Market USA," we mean Market USA FCU. When we use the words "you" and "your," we mean the following types of members: all members that have an ongoing relationship with us, such as a share account or loan account.

• Martin Luther King, Jr. Day January 16, 2023
• Presidents' Day February 20, 2023