Why Join Market USA? Join Now Apply for a Loan

When you become a member of Market USA, you also become a part owner of the credit union, and this makes a big difference in how we serve you. As a not-for-profit and member-owned cooperative, you benefit through lower loan rates, higher dividend rates, and lower fees. Plus, we offer all the convenient services you expect and more, including 30,000 surcharge-free ATMs, 5,000 shared branches, mobile banking, and mobile check deposit, just to name a few!

Low Loan Rates & Payments

FREE Convenient Checking Accounts

High Yield Savings Solutions

Low or NO Fees

Benefits of Market USA

It's Quick and Easy to Join!

Simply complete the online membership application to establish your Membership Savings Account, along with any additional accounts you would like to open (it only takes a few minutes).

Once your application is approved, you will receive an email with further instructions on how to send in your initial $5 deposit. Once you become a Market USA member, you'll remain a member for life, as long as you maintain a $5 balance in your Membership Savings account4.

The online application is for new members only; if you are already a member and would like to open additional accounts, please log into Online Banking to do so.

More Reasons to Join:

  • Our VIP Checking Account offers one of the highest dividend rates in the nation! The best part is it's FREE - there are no minimum balance requirements or monthly maintenance fees.
  • Regular and IRA Share Certificates offer competitive dividends, a variety of terms and a safe investment. Deposits are insured up to $250,000 through NCUA, a government agency.
  • Make no payments for two months1 with our low rate auto loans. Plus, you can choose to Skip-a-Payment2 twice a year.
  • Pay no annual fees, no balance fees, and no cash advance fees with our Visa Platinum cards.3
  • Budget-friendly home loans include fixed and variable rate first mortgages, home equity loans and lines of credit.
  • Our Auto Buying & Home Buying Services provide the research tools you need to help you save time and money.
  • With our online Loan Comparison Tools, you can instantly see if moving your loans to Market USA could lower your payments, putting more money in your pocket.
  • If you are looking to boost your credit score, we offer products specifically designed with this in mind, such as our Fresh Start Loan and Secured Visa Platinum card.
  • Low group rates available on life, auto and home insurance.
  • Free coin counter and notary services.
  • And much more!

Who Can Join

Immediate family or household members of existing Market USA members may join the Credit Union. Immediate family members include a spouse, children, parents, grandparents, grandchildren, and siblings.

Employees/retirees of all Ahold Delhaize companies and other employers in our partner list, or members of associations in our partner list, may join Market USA Federal Credit Union. If you are not eligible to join through one of our partners, you may join by becoming a member of the Market USA Cares Foundation with a $5 donation. Simply make your donation with your opening deposit after completing our online application accessed at Join Now.

  • ADUSA Distribution, LLC
  • ADUSA Procurement, LLC
  • ADUSA Transportation, LLC
  • Ahold Delhaize USA
  • American Psychological Association
  • C&S Wholesale
  • Food Lion, LLC
  • Fresh Direct
  • Giant Food of Maryland
  • Giant Food Stores, Inc (Carlisle, PA)
  • The Giant Company (Giant/Martin's)
  • Hannaford
  • Keany Produce
  • Market USA Cares Foundation
  • Peapod
  • Peapod Digital Labs
  • Retail Business Services, LLC
  • Southeastern Grocers
  • Stop & Shop
  • Tops Markets, Inc
  • United Methodist Churches in the Baltimore Washington Conference
  • US Waffle Company
  • YMCA of Greater Washington

Through membership with the American Consumer Council, residents of the following states may join:

  • Maryland
  • South Carolina
  • North Carolina
  • Virginia
  • West Virginia
  • Georgia
  • Washington D.C.
  • Pennsylvania
  • Tennessee