Our low rate Signature Loan can help you with unexpected expenses that occur without warning, such as a car repair, or to consolidate high rate credit cards, make home improvements or finance a special purchase. Our repayment terms are flexible, rates are competitive and applying is fast and easy.
* Annual Percentage Rate current as of 1/1/21. 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 $87.19 per $1,000 per month. Financing for qualified Market USA members.
Our Free 3.01% APYVIP Checking Account is one of the best checking accounts around. It offers a higher yield than most certificates and money markets! Additional benefits include:
The best part...FREE really means FREE! If you don't meet the requirements to earn the APY, there is NO fee. You simply don't earn dividends in that particular month.
Open a VIP Checking Account today! Simply log into Online or Mobile Banking and click "New Account" or call 301-586-3400.
1 Annual Percentage Yields (APY) current as of 1/1/21 and subject to change. VIP Checking requirements to earn 3.01% APY: (a) enrollment in e-Statements; (b) Monthly Direct Deposit of at least $500; direct deposit from a single source cannot be used to meet the requirement for multiple accounts; (c) 12 Visa Debit Card Purchases per month; minimum purchase $5.00; purchase returns will reduce your number of transactions; and (d) 3 bill payments per month; must be at least $20 each, and may not be made payable to Market USA FCU or to any non-business payee. Splitting a single bill into three payments does not qualify. All Visa debit purchases and bill payments must be posted to the account by close of business on the last business day of the month to qualify. APY applies to balances thru $15,000; balances above $15,000 earn the prevailing rate paid on standard checking accounts. One account per member/SSN. VIP Checking requirements to earn 2.01% APY: (a) enrollment in e-Statements; (b) Monthly Direct Deposit of at least $500; direct deposit from a single source cannot be used to meet the requirement for multiple accounts; (c) 12 Visa Debit Card Purchases per month, posted by the close of business on the last business day of the month; minimum purchase $5.00; purchase returns will reduce your number of transactions. APY applies to balances thru $15,000; balances above $15,000 earn the prevailing rate paid on standard checking accounts. One account per member/SSN. 2To be eligible for Mobile Check Deposit, 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. See Mobile Deposit Terms & Conditions at marketusafcu.com for details.
Switch all of your direct deposits and automatic payments to your new or existing account at Market USA in minutes with ClickSwitch! This eliminates the hassle of contacting each business and helps ensure a smooth transition.
Due to the ongoing pandemic, our Annual Business Meeting will be broadcast via live stream again this year. The Chairperson of the Board of Directors and President/CEO will review our 2020 accomplishments and discuss our plans for 2021. Be sure to check out our website in March for instructions on how to register.
There are four vacancies on Market USA FCUâ??s Board of Directors. The Nominating Committee has nominated the following members to fill the open board positions:
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, ballots will be sent by mail or electronically, and an election will be held. 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.
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 183 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 12, 2021. Biographical data on the nominee must be submitted with the petition. Biographical and petition forms will be available after January 2, 2021, 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 14 - April 17, 2021. 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 17, 2021. 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 2021? The $12,000 Credit Union College Scholarship Program for 2021 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 March 31, 2021. Scholarship winners will be announced in May 2021. 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.
Getting your biggest possible tax refund has never been easier. From simple to complex taxes, TurboTax® has you covered.
Market USA works with TurboTax to provide special savings for our valued members - get up to $15 off TurboTax federal products. Visit LoveMyCreditUnion.org to get started today!
Many people wonder how they can build an emergency fund when they're trying to pay off their debts. It isn't as hard as you might think. The strategy is to start small, change a few habits, and change your mindset.
If you're starting from scratch with your emergency fund, begin by saving one month's worth of living expenses while paying the minimum on your credit cards. When you have that first month of emergency funds started, turn your focus to your credit card debt and pay more than the monthly minimum. Once the credit card debt is paid off, go back to building your emergency fund. If your credit card debt is very high and can't be paid in full within a couple of months, then alternate the extra payment every other month: The first month, add to your emergency fund and pay the minimum on your credit cards. The next month, pay more on your credit cards and skip the deposit to your emergency fund, etc.
Remember: The professionals at Market USA are ready to help with all your savings needs. Contact us at email@example.com or 301-586-3400 to set up short-term and long-term savings vehicles that fit your needs.
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.