We're living in unprecedented times and the comfort of our home is more important than ever. Are you looking to build a better space for your office, finish your basement, remodel your kitchen or put on an addition? Whatever your needs, we can help with a fixed-rate Home Equity Loan or a Home Equity Line of Credit (HELOC). While you can use these types of loans for any purpose, the interest may be tax deductibleif you use the funds for home improvements.
With a fixed rate loan, you can borrow for a specific term and your rate will not change throughout the life of the loan. With a HELOC, you can take an advance at any time, up to your limit. Your HELOC rate may change as Prime changes.
1 Annual Percentage Rate current as of 9/1/20 and subject to change without notice. Rates are based on an evaluation of each applicant's credit and selected term. Your actual rate may vary. Payments at 4.49% APR for 60 months are approximately $18.71 per thousand per month, not including insurance or taxes, which could raise your obligation. Minimum Home Equity Loan is $5,000. Home Equity Line APR is variable and the maximum APR is 18%. Rate is Prime - 0.50% with a floor of 3.25%. Subsequent rate changes occur quarterly based on the Prime Rate, which was 3.25% as of 3/16/20. Minimum Home Equity Line of Credit is $10,000. 2 Closing costs will be waived if you (a) finance a minimum of $20,000 on a Home Equity Loan and (b) maintain our Security Interest in the Security Property for at least 36 months. Closing costs typically range from $0.00 to $1,500.3 Please consult your tax advisor for more information. 4 Actual savings may vary.
With mortgage loan rates at historical lows, now may be the best time to consider refinancing your mortgage. We have a variety of options to help you lower your payment and/or reduce the term of your loan with our great rates and low lender fees. For more information visit our Mortgage page or contact a mortgage consultant at 571-328-5036.
We understand how difficult it can be to budget for holiday expenses - and this year is no exception. Our Holiday Loan is the perfect short-term solution, allowing you to prepare and cover costs in advance.
* Annual Percentage Rate current as of 10/1/20. Offer available until 2/28/21. 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 5.99% APR for 12 months are approximately $86.34 per $1,000 per month. Financing for qualified Market USA members.
We now have a full-service ATM at our Hyattsville Branch (8200 Professional Place, #105, Hyattsville, MD 20785)! You can make deposits, withdrawals, transfer funds or make a loan payment. Members have been asking for an ATM at this location for quite a while, so we are excited to be able to offer this service at our Hyattsville branch.
There's no time like the present to leave fees and high interest rates behind! Our Visa Platinum has no annual fee, no balance transfer fee, and no cash advance fee. Plus, we offer great low rates!
* Annual Percentage Rates (APRs) effective 9/1/20 and subject to change. 0% introductory APR valid for 6 months from initial card insurance. Thereafter, the variable rate will be between 9.25% and 18.00%. The APR is calculated as Prime + a margin between 6.00% and 16.00%. Prime is 3.25% as of 3/16/20, Actual rate may vary and is based on an evaluation of each applicant's credit.
Our Laurel and Hyattsville Branches are open Monday through Friday from 9:00 am - 4:00 pm. The following steps are in place to ensure your safety:
Our Mauldin Branch is available through drive-thru only at this time.
We are excited to share that Market USA has been Certified™ by Great Place to Work®: for the 2nd year in a row! In order to be certified, Great Place to Work conducts an independent analysis through an in-depth employee survey. Great Place to Work recognizes leading organizations in the US and more than 60 countries. Since 1992, they have surveyed more than 100 million employees around the world and use those deep insights to define what makes a great place to work.
Your credit union membership is about the trust and care of community, built around where you live, work and play. That's why Market USA membership saves you money via exclusive member-only offers through our trusted partners. Credit Union members have saved over $2 billion with Love My Credit Union Reward offers like:
Learn about how your Market USA membership gets you all these exclusive savings and more at LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.
Effective November 15, 2020: Change to Point of Sale Transaction (POS) Dollar Limits. Pin Based - $2,500 per day. Visa Check Card Debit/Signature Based - $2,500.00 per day.