Winter 2018 Market News

Set New Savings Goals for the New Year!

The start of a New Year is the perfect time to review your saving habits and goals. Share certificates are a great way to help build your savings. Check out our high-yield regular and IRA Share Certificate Specials:

  • 2.36% APY* - 60 Months
  • 1.60% APY* - 18 Months
Other rates and terms are also available. Open your certificate through Online Banking, call 1-800-914-4268 or stop by a branch.

* Annual Percentage Yield current as of 1/1/18 and subject to change. Rates reflect Preferred APY, which includes a premium of 0.35%. Enrollment in e-Statements and direct deposit of net pay are required to receive these premiums.

Coming Soon! New & Improved Digital Banking

We've been working on our new digital banking product to improve your online and mobile banking experience with us. Although it took longer than expected, we believe you will find it was worth the wait! Our new digital banking product will launch soon. We want to make sure you have plenty of time to get used to the new and improved service, so you will have access to both the new and old versions for a time. Our new digital banking product will offer many new options, including a more user-friendly experience, the ability to transfer to and from external accounts, and more! Be sure to check our website for updates.

Need Help with Holiday Bills?
Only available until February 28, 2018!

The holidays are over, and now the bills are starting to arrive for all the season's expenses... gifts, entertainment, travel and more. We can help! Our low-rate Holiday Loan is still available for a limited time.

  • Rates as low as 7.49% APR*
  • Up to $3,000
  • 12-month term
  • Consolidate high-rate loans into one low monthly payment!

Apply online, call 1-800-914-4268 or stop by a branch.

* Annual Percentage Rate current as of 1/1/18. 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% 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 7.49% APR for 12 months are approximately $87.06 per $1,000 per month. Financing for qualified Market USA Federal Credit Union members.

Enter to Win a $1,000 Scholarship!

Are you headed off to college or trade school in 2018? The $12,000 Credit Union College Scholarship Program for 2018 is underway now! 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 March 31, 2018. Scholarship winners will be announced in April 2018 on the Credit Union Foundation of MD/DC's scholarship website:

This year's essay topic is "Describe the value found in credit union membership." This year's video topic is "Create a 60-second credit union ad to attract young members (age 16 - 24)." Photo applicants are asked to submit a photograph that represents the credit union core value, "Community."

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

Your Presence is Requested at
Market USA Federal Credit Union's Annual Business Meeting

  • When:
    Friday, April 27, 2018
    5:30 p.m. Light Refreshments
    5:45 p.m. Business Meeting
  • Where:
    Market USA FCU Headquarters
    8871 Gorman Rd., Suite 100
    Laurel, MD 20723

Join us as the Chairperson of the Board of Directors and CEO/President review our 2017 accomplishments and discuss our plans for 2018.

2018 Election Notice

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

  • Chris Caldwell:
    Chris has been a Market USA Board member since December 2014. He has worked with Daymon/Retail Odyssey for 2 years as a Business Manager on the Harris Teeter account. Prior to working for Daymon, Chris was with BI-LO for 32 years in Retail Operations, Merchandising and Training and Development. He graduated from Erskine College with a B.S. in Business Management. He is married to his wife of 29 years, Anna. They have 2 sons, Christopher (26) and Connor (21).
  • Bob Reichard:
    Bob worked for Giant/Ahold USA for 15 years. After a year in the stores, he moved to the Information Systems department, starting out in a junior technical role and working his way up into senior management within the department. After leaving Giant, Bob started his own company and has specialized in network infrastructure for small and medium-sized businesses for the last 13 years. He has earned numerous industry certifications throughout his career. A summa cum laude graduate from the University of Maryland University College, Bob holds a B.S. degree in both Computer Science and Computer Information Systems.
  • Robert Watts:
    Rob has been a Market USA Board member since May 2011. He is the Associate Vice President, Benefits Planning for Nationwide Mutual Insurance Company. Prior to joining Nationwide, he served for 14 years in various leadership roles at Ahold N.V. and Ahold USA. Rob received a B.A. in Finance from Towson University and an MBA from Loyola University. He is a qualified accountant (CPA) and holds the Global Remuneration Professional designation (GRP).

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 174 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 9, 2018. Biographical data on the nominee must be submitted with the petition. Biographical and petition forms will be available after January 3, 2018, by calling the credit union at 1-800-914-4268. 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 16 - April 19, 2018. Should there be an election, absentee ballots may be requested by calling the credit union at 1-800-914-4268. Absentee ballots must be returned to the credit union by April 20, 2018. 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.

Market USA Sponsors the Millionaire's Club at St. Vincent Pallotti High School

We are excited to sponsor the "Millionaire's Club" financial education program for the second year, at St. Vincent Pallotti High School in Laurel, MD!

The Millionaire's Club is a complete financial skills program designed for high schools. Clubs are provided seed grants, a detailed 26-lesson curriculum, and faculty/student materials at no charge. Students will learn about a variety of financial topics, participate in national competitions such as the Stock Market Game and The Personal Finance Challenge, and work on an annual Entrepreneurial Project.

The Millionaire's Club is made possible through the Credit Union Foundation of MD/DC.

A Successful Coat Drive, Thanks to Generous Donors!

We recently partnered with One Warm Coat to hold a coat drive at our Laurel and Landover branches for children and adults in need of warmth.

There is a real need for coats in our local community, and One Warm Coat's program made it easy for the credit union to make a difference and spread much-needed warmth. We donated 117 coats to Sarah's House, a homeless shelter located in Ft. Meade, MD. This was made possible due to our members, staff and Wren Rickenbrode, a student at Mater Amoris Montessori School, who collected 44 coats at her school. Thank you to all who helped make this coat drive a huge success!

Each year, hundreds of thousands of gently worn coats are distributed across North America to children, women and men in need through One Warm Coat's Coat Drive program. "We are so grateful for our wonderful partners like Market USA. We are thrilled so many people came together to provide warmth for their neighbors in need and are thankful to everyone who donated!" said One Warm Coat President and CEO Jennifer Stockard.

You can learn more about One Warm Coat at

Coat Drive Collection

How to Avoid Fees at the Credit Union

It's commonplace to find a variety of fees being charged at any financial institution. What makes Market USA different? We are committed to serving your best interests - and to helping you improve your financial health and reach your goals. With that in mind, we'd like to tell you how you can avoid certain fees and keep more money in your pocket!

  • Privilege Pay Fees
    Privilege Pay is designed to provide coverage in the event of an accidental overdraft. Should you choose to use it for an emergency cash need, we suggest writing a single check for the necessary funds, in order to minimize any fees that you incur. You can also apply for a Personal Line of Credit and use it as overdraft protection to avoid accessing Privilege Pay when overdrafts occur.
  • NSF & Overdrawn Fees
    Did you know that you can set up e-Alerts to notify you when your balance reaches a certain level? Use this feature to notify you when your balance is getting low, so that you can make a deposit and avoid any fees if necessary.
  • ATM Fees
    Avoid costly fees by using our ATM locator to find surcharge-free ATMs near you. Additionally, you can avoid fees by using your card to get cash back when making a purchase. In addition to machine surcharges, Market USA charges a $1 fee for ATM transactions. You can get 8 free transactions each month simply by signing up for Direct Deposit!
  • Club Account Excess Withdrawal Fees
    Our Holiday Club & Vacation Club accounts are designed to save for specific purposes, and as such, provide a limited number of withdrawals each year. If you think you'll need to access the funds more often, you can open a sub-savings account instead and avoid the excess withdrawal fees.
  • Regulation D Fees
    Savings accounts are not considered "transaction" accounts, and because of that, regulations limit the number of times you can complete certain types of transfers* made from your savings accounts, to six transfers each month. If you exceed that limit, we charge a $10 fee and send a warning letter regarding the activity. To avoid the fee, open one of our free checking accounts today! You can complete unlimited transactions at no charge, earn dividends, and sign up for convenient services such as e-Statements, e-Alerts, free Bill Pay, Mobile Deposits and more! To open a checking account today, log onto Online Banking or contact our Member Service Center at 1-800-914-4268.

*During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above, you will be charged a fee and your account will be subject to closure by the credit union.

Holiday Closings:

  • Martin Luther King Jr. Day - January 15, 2018
  • Presidents Day - February 19, 2018