The Market Center

Important information for Visa Platinum Card Members

We are making exciting new improvements to our credit card program! In the coming months, you will see enhanced member service options and improved online access, along with the ability to make your credit card payments via Internet Banking.

All current credit card holders will be reissued a new card at the end of March. Following is important information you need to know about your new card:

  • Your old card will be good through 4/11/15. Start using your new card on 4/12/15.
  • Your account number, CVV code and expiration date will change but your PIN number will remain the same. If you have automatic transactions posting to your credit card, please notify the merchant of your new card number.
  • New payment address, effective 4/12/15: PO Box 31279 Tampa, FL 33631. If you have an automatic bill payment for your credit card bill, be sure to update the address
  • For service on your credit card account on or after 4/12/15, call: 866-772-6198.
  • To report a lost or stolen card on or after 4/12/15, call 800-453-4270.

We are also expanding our rewards program to include cash back options and birthday bonus points! The new website for viewing and redeeming rewards is If you are a Rewards cardholder, your points will transfer to the new website.

Once you activate your new card, you can log into Internet Banking for access to your card information. If you have any questions, please contact our Member Service Call Center at 301.586.3400 or 800.914.4268.

Get Your Tax Refund Faster with Direct Deposit

Direct deposit is the fastest and most secure way to get your tax refund. Thousands of paper checks are returned to the IRS by the U.S. Post Office every year as undeliverable mail. Direct Deposit eliminates the possibility of your refund check being lost, stolen or returned to the IRS

Simply use Form 8888 to designate which accounts -- and in what amounts -- you want your refund disbursed. In order to complete the form, you will need our routing number, 255077493, and your savings and/or checking account number, which be can be found in Internet Banking

Don't Get Caught in the High-Interest Trap!

Now is the time to break free from high-interest debt! Consolidate your costly loans into one low easy payment with our signature loan. Signature loans can also be used for those expenses that occur without warning: The cost of a car or home repair, a sudden trip, tax bills or other unexpected expenses.

Our signature loan offers rates as low as 8.99% APR*and terms up to 5 years. Apply online or call 800-914-4268. Hurry, this offer won't last!

*Annual percentage rate current as of 2/1/15 and subject to change. 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 a.10% discount for e-statements. Payments at 8.99% APR for 12 months are approximately $87.76 per $1,000 per month. Financing for qualified Market USA Federal Credit Union members. Current Market USA loans are not eligible for this promotion. Offer available for a limited time only and subject to change without notice.

Limited Time Only Auto Loan Special

Take advantage of rates as low as 1.49% 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 11/1/14 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 1.49% APR for 36 months are approximately $28.45 per $1,000 per month.

Enter to Win a $1,000 Scholarship!

Are you or a family member headed off to college or trade school in 2015? Market USA is pleased to announce a college scholarship opportunity to make it easier for you to meet tuition costs. The $12,000 Credit Union College Scholarship Program for 2015 is underway now! Our 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, 2015. Awards will be made in May 2015. This year's essay and video topic: "You are talking with a friend. Explain to them the value of credit union membership."

Photo applicants are asked to capture and submit a photograph that represents the credit union core value, "Thrift."

Any member of Market USA who is entering their freshmen through senior year of college or trade school may apply. "We're pleased to offer this opportunity for our young members," said Laura Hassan, President/CEO. "The awardees receive needed financial assistance to help them meet their tuition expenses and the application topics stimulate innovative and useful responses to help us better serve our college-aged members."

Applications and details on the Credit Union Scholarship Program can be found at

Market USA, the Credit Union Foundation of MD/DC, and its generous supporters make this scholarship program possible.

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.

Need a New Car?
We Give You Three Great Ways To Save

If you're shopping for a new car, truck, SUV or crossover, you couldn't have picked a better time. Through our partnership with Invest in America, we can help you save money on your new vehicle.

First, General Motors is offering credit union members preferred pricing on most new GM vehicles. This is in addition to the most current incentives and special offers! Depending on the vehicle, you could save hundreds, even thousands of dollars on your next new Chevrolet, Buick, or GMC vehicle purchase just for being a credit union member. Visit to see how much you can save and request your GM Authorization Number.

Secondly, you can save big with great low rates when you finance your new vehicle with us. Plus, receive a $100 cash bonus!1

Third, you'll also save on fuel costs with GM's high-fuel efficiency vehicles. GM offers high-fuel efficient products in most high-volume vehicle segments, and more are coming to the market each year.

Get your loan pre-approved and apply online today!

All fuel economy ratings below are EPA Estimates. The new Chevrolet Cruze Eco, with its 42 mpg EPA highway estimate, offers the best highway fuel economy of any gasoline engine (non-hybrid) car in America. The Chevy Equinox and GMC Terrain crossovers offer space for the family and a 32 mpg highway estimate. Chevrolet Malibu has EPA mileage estimates of 22 mpg city, 33 mpg highway, and can travel nearly 500 highway miles on a tank of fuel. Chevy Silverado and GMC Sierra offer the best highway fuel economy estimates of any V8 pickups (22 mpg), and offer hybrid models for the ultimate in full-size truck fuel efficiency (20 mpg city, 23 mpg highway).

1Offer is for a limited time only. You must mention the promotional code NM100 to receive the $100 cash incentive with this offer. Loan amount must be $10,000 with a term of at least 36 months. Deposit of $100.00 will be made into the primary member's savings account within 30 days after the loan is closed. Auto loans currently financed through Market USA cannot be refinanced with this offer.

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