The Market Center

Make the Season Bright with Our Holiday Loan

Put some extra sparkle in the season with our budget-friendly Holiday Loan!

  • Rates as low as 7.14% APR *
  • Borrow up to $3,000
  • 12-month term

Get a Holiday Loan now so you won't be snowed under by high-interest bills later on! Apply online, at any branch, or call
800-914-4268. Available for a limited-time only.

*Annual percentage rate current as of 10/1/15. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a .25% discount for automatic payment, .10% discount for e-Statements, and an additional .50% for having a qualifying Rewards Relationship. To qualify for a Rewards Rate, you must have two of the following: direct deposit of at least $500 per month into a Market USA checking account, a qualifying loan in good standing or new loan that includes: mortgage, home equity, auto, or active credit card (at least one transaction per month), or at least $25,000 on deposit. Payments at 7.14% for 12 months are approximately $86.81 per $1,000 per month. Financing for qualified Market USA Federal Credit Union members.

Gain an Advantage with Our New Auto Express Check!

Shopping for a vehicle is easy and convenient with our Auto Express Check! Before visiting the dealer, be sure to contact us to apply for your low rate auto loan. If you qualify, we will give you an Express Check that you can use to purchase your vehicle up to your pre-approved amount. This saves you time at the dealer, plus you'll be in a better position to negotiate! Your rate is guaranteed for 30 days and no interest accrues until you use the check.

Apply online, at any branch or call 800-914-4268. .

Introducing Our New Teen Program, Elements of Money™

The Elements of Money™ program has replaced Claim Your Youth for members ages 13 to 17. Our new program offers a more interactive website, additional resources, and quarterly social media contests for a chance to win prizes. Teens can join "Elements" simply by opening a credit union savings account with a $5 minimum opening deposit. As a member, they'll learn to navigate through the world of personal finance, as well as learn valuable lessons in saving money. Our new program offers:

  • An interactive website just for teens
  • Online financial articles, podcast, blog and videos
  • Quarterly teen newsletter
  • "Tweet for College" Scholarship Contest

We encourage you to help your teen take the first step toward financial independence by establishing membership. Download our membership application membership application,
call 800-914-4268 or stop by a branch to open an account

Counterfeit Check Scams Come in Many Guises

If someone you don't know offers to send you money, watch out. It's probably a counterfeit check scam. There are lots of variations of these scams, but one thing is for sure--you'll be out money if you comply.

Sure, it might be tempting to cash a check for free money. If the check is a fraud and bounces after you've cashed it, you're the one who will be held responsible.

These scams take many guises, but the main thing to watch out for is someone you don't know who wants to send you a check or money order for a large sum of money--but requests that you wire a portion of the money back. If you fall for this, you can be sure of three things:

  1. The check is a fraud.
  2. The money you deposit in your account is not good. When the check bounces you'll be responsible for paying back the money. This will be even harder to do if you've already spent it.
  3. You've just wired your money to a crook.

If you get a check that you're suspicious about, don't cash it. Report scams to the National Fraud Information Center/Internet Fraud Watch at For more information, visit

Market USA Welcomes Members of the
Carolina Consumer Council

We are excited to welcome Carolina Consumer Council (CCC) to our field of membership! Members of the CCC can now join Market USA and take advantage of all the benefits we offer, including a high yield checking account, low rate auto loans, and Fresh Start Loans to help rebuild credit and much more.

CCC is a non-profit, consumer education organization representing consumers in both North and South Carolina. Its parent organization, American Consumer Council, has over 165,000 members nationwide. The mission of the Carolina Consumer Council is to educate consumers on the purchase and use of safe, reliable products and services. CCC also serves as consumer advocates to champion consumer rights, offers financial literacy workshops and promotes environmental protection. For more information, please visit

If you live in North or South Carolina, you may be eligible to join our credit union through the Carolina Consumer Council. When opening your Market USA account, simply enter CCC in the "Company Name" field on the membership application and send it with a minimum of $5 (to open your savings account) and a copy of a photo ID to: Market USA, 8871 Gorman Rd, Suite 100, Laurel, MD 20723. You can also call us at 800-914-4268 or stop by our branch located at 201 Bi-Lo Blvd, Greenville, SC 29607.

Looking for a Mortgage with a Low Down Payment?

Our President's ARM offers a low 3% down payment* and a variety of terms to choose from. Additional mortgage programs are also available including FHA, VA, reverse mortgages and more. Contact a mortgage consultant at 571-328-5036 or visit our mortgage page for details.

Buying a home is one of the most important financial decisions you'll make. We make it easier with HomeAdvantage. Powered by CU Realty Services, this easy-to-use program can help you connect to the information and expertise you'll need to help make finding and purchasing your next home a dream come true. This program is absolutely free and can help you search for a home, find an agent, earn a rebate (the average is over $1,500!), get listing alerts, research neighborhoods, schools, crime rates and more!

*Certain restrictions apply. Contact our Mortgage Department for details.

Limited Time Only Auto Loan Special

Take advantage of rates as low as 2.40% 3 plus receive a $100 cash bonus2 and make no payment for 60 days1 when you finance your new vehicle with us or move your loan from another lender. We also offer extended warranties at much lower costs than what you will typically find at the dealer.

Have the title to your car and need cash now? You can borrow the NADA loan value with our Cash Out Auto Loan. Don't have the car completely paid off but have equity built up? You can use that equity to gain some cash now.

Apply online today! or call 800-914-4268. This offer won't last so don't miss out!

1Interest begins accruing upon disbursement of the loan. Loans and deferred payments are subject to credit approval. Current Market USA loans are not eligible for this promotion. Offer available for a limited time only and subject to change without notice. Certain restrictions apply. Ask us for details.
2Offer is for a limited time only. You must mention the promotional code: AL100 to receive the $100 cash incentive with this offer. Loan amount must be $10,000 with a term of at least 36 months. Auto loans currently financed through Market USA cannot be refinanced with this offer. Financing for qualified Market USA members.
3Annual Percentage Rate current as of 06/15/15 and subject to change without notice. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a .25% discount for automatic payment and .10% discount for e-Statements. Payments at 2.40% APR for 36 months are approximately $28.85 per $1,000 per month.

Switch and Save with our Visa Platinum Card

Don't spend your hard earned money on fees and higher interest rates. Our Visa Platinum cards offer NO balance transfer fees, NO cash advance fees and NO Annual Fees. Plus, we offer great low rates - that's the credit union difference!

  • Low 3.90%% APR*introductory rate for 6 months
  • Rates as low as 9.25% APR* after six-month introductory period
  • Credit line up to $20,000
  • Save big by transferring higher-rate balances to your
    Market USA Visa
  • Choose between Visa Platinum and Visa Platinum with Rewards. Redeem your points for hotel stays, vacations, merchandise, air travel and more!

Apply online, call 800-914-4268 or stop by any branch. Don't forget to move higher-rate balances to your new Market USA Visa Platinum card!

*Annual Percentage Rates (APR) effective 11/1/14 and subject to change. 3.90% introductory APR valid for six months from initial card issuance. Thereafter, the variable rate will be between 9.25% - 18%. The APR is calculated as Prime + a margin between 6.00% - 15.00%. Prime is currently 3.25%. Actual rate may vary and is based on an evaluation of applicant's credit.

Mobile Banking & Check Deposit

If you have a Market USA checking account1, you can make deposits without visiting a branch or sending checks through the mail. It's convenient, easy and secure. Mobile Check Deposit is available through our Mobile Banking app (must be enrolled in Internet Banking).

How to Use Mobile Check Deposit

  1. Sign into Mobile Banking
  2. Choose the Mobile Check Deposit button
  3. Accept the Terms and Conditions
  4. Select Make a Deposit
  5. Enter check amount
  6. Select account to deposit check
  7. Endorse your check
  8. Write "For e-Deposit only at Market USA" under your signature
  9. Take a picture of the front and back of your check
  10. Submit

You will receive an email once your account has been credited. If you have questions, please email our Member Service Center or
call 301-586-3400 or 800-914-4268.

Download our Mobile Banking apps today!

Android app on Google Play

1Membership 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 for details.

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