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Enter the Elements of Money's Tweet for College Contest!

Need a little financial help for college? Through their Tweet for College contest, Elements of Money (our teen program) is awarding $2,000 in scholarships. And we want you to get creative! In 140 characters or less, answer the following question:

"How Can Credit Unions 'Awaken' Your Financial Destiny?"

Entering is easy:

  • 1. Join Twitter. You can also email your response to feedback@elementsofmoney.com
  • 2. Tweet your response.
  • 3. Mention @ElementsofMoney in your tweet, and follow EOM on Twitter. Hurry, this contest runs until March 10, 2016!

Elements of Money will be giving away $250 every two weeks. Each winning tweet will be entered for the $1,000 scholarship. Visit Elements of Money for more details!

Enter to Win a $1,000 Scholarship!

Are you or a family member headed off to college or trade school in 2016? 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 2016 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, 2016. Awards will be made in May 2016.

  • This year's essay topic: "You and a friend would like to start building your credit. Discuss with your friend what good credit is, ways to start building credit, how your credit union can help, and the benefits earned by having good credit."
  • This year's video topic: "Create a 60-second video that displays the importance of financial literacy."
  • Photo applicants are asked to capture and submit a photograph that represents the credit union core value, "Service."

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."

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

New Hours at Laurel and Landover
Effective January 4, 2016

We are changing our hours to better serve you at the Laurel Branch, located at 8871 Gorman Rd, Suite 100, Laurel, MD 20723.

  • Mon - Thurs; 9:00 am - 4:00 pm
  • Friday; 9:00 am - 6:00 pm
  • Saturday; 9:00 am - 12:00 pm

Landover branch hours will also change. New hours will be be 9:00 am - 4:00 pm Monday through Friday. This branch is located at 8200 Professional Place, Suite 105, Landover, MD 20785.

Get Your Budget on Target for 2016

There's still time to take advantage of our Holiday Loan! Consolidate higher interest rate loans into one low easy payment.

  • Rates as low as 7.14% APR5
  • Borrow up to $3,000
  • 12-month term

Apply online, at any branch or call 800-914-4268. Offer only available until February 29, 2016!

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, call 800-914-4268, or stop by a branch to open an account.

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 CarolinaConsumerCouncil.org.

If you live in North or South Carolina, you are 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 payment1 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!

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% APR4introductory rate for 6 months
  • Rates as low as 9.25% APR4 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!

Footnotes

  1. Interest 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.
  2. Annual 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.
  3. 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.
  4. Annual percentage rate current as of 1/1/16. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a .25% discount for automatic payment, a .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 a 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. Payment at 7.14% APR for 12 month