The Market Center
Help Market USA Change a Child's Life:
Market USA is participating in Change a Child's Life, a coin drive with all proceeds benefiting local Children's Miracle Network Hospitals. Laurel and Landover branch donations will benefit the Johns Hopkins Children Center. Mauldin branch donations will benefit Greenville Health Systems.
Have change in your pockets or at the bottom of your purse? Drop it in the canister located in every branch. Tired of all those pennies rolling around in your car? Bring them in and donate them to a great cause.
The deadline to donate your change is May 17th. Every single penny helps! One child's cancer treatment costs $75,000 on average. Stop by a Market USA branch today.
Together, we can change a child's life.
Mobile Banking Coming Soon!
Mobile Banking will give you the ability to access your accounts anytime, anywhere! Check balances, transfer money, view holds and more, right from your smartphone or other mobile device. With our mobile app, you will also be able to find surcharge-free ATMs or shared branch locations nearby, view current rates and apply for loans.
In addition, mobile deposits will be available later this summer. You will be able to make secure deposits 24/7 without ever visiting a branch, sending your check through the mail or making a deposit at an ATM. Through your mobile device, you will simply snap photos of the front and back of your check, enter the amount and submit it to us. It's that easy!
Grow the Savings
With our Home Equity Loan or Line of Credit!
By using the equity in your home, you can pay off high-rate bills and enjoy one low monthly payment - potentially saving you hundreds every month. Or use the loan for big-ticket items like a college education, home renovation, a dream vacation - the choice is yours. Even better, interest payments may be tax deductible,1 saving you even more. Be sure to take advantage of our no closing cost options2!
Watch the Savings Grow
New Member Benefit
Consumer Credit Counseling Services of MD and DE
We have partnered with Consumer Credit Counseling Services of Maryland and Delaware (CCCS) to provide you with a variety of money management solutions. Their financial counselors can help you establish a budget, assist you with getting out of debt, prepare you for the purchase of your first home and so much more. Contact CCCS today at 800-642-2227. They are open Mon -Thurs: 8:00 am - 9:00 pm, Fri: 8:00 am - 5:00 pm and Sat: 9:00 am - 1:00 pm.
Credit Unions' Tax Exemption Benefits Members
The 1934 Federal Credit Union Act (FCUA) states that credit unions receive a federal income tax exemption because "credit unions are mutual or cooperative organizations operated entirely by and for their members."
Credit unions are not-for-profit financial cooperatives where earnings are returned directly to members in the form of lower loan rates, lower fees and higher deposit rates. In addition, credit unions have volunteer boards of directors, cannot issue capital stock, are restricted in where they can invest their members' deposits and are subject to stringent capital requirements. A credit union's shareholders are its members and each member has one vote, regardless of the amount on deposit, while a bank has stockholders.
The National Association of Federal Credit Unions (NAFCU) released a landmark study on the value of the credit union federal income tax exemption to consumers, businesses and the U.S. economy in September during the annual Congressional Caucus. You can view a copy of the study and its key findings on NAFCU's website. The study found that the credit union exemption helps return over $10 billion in value to consumers on an annual basis. Moreover, it found that eliminating the tax exemption would result in a loss of 1.5 million jobs over the next decade and have such a negative impact on the GDP that the federal government would actually lose tax revenue.
Credit unions' tax exempt status is at risk but you can make a difference! Please take five minutes to call or write your elected representatives in Washington to explain the importance of the credit union federal tax exemption as they make critical decisions. You can easily contact them through NAFCU's Grassroots Center by clicking here.
Mobile Loan App Now Available!
You can now use your Smartphone the next time you need a loan. There is no app to download. Just choose the Loan Application from the "Applications & Forms" drop down box on our home page, and it will automatically convert to a mobile version.
We are excited to bring you more options in contacting us about your next loan! Of course, you can always apply through your computer, by calling 301.586.3400 or 800.914.4268 or stopping in to see us.
Buy or Sell Your Vehicle Using AutoSMART Mobile
The new AutoSMART Mobile App provides a one-stop shop for all your car buying AND selling needs.
Search AutoSMART's database of vehicles for sale - not just from major car dealers, but from individuals just like yourself. You can also apply for Market USA financing and get your loan pre-approved before you shop. This removes the pressure of negotiating financing contracts at the dealership and allows you to focus your attention on finding the right vehicle.
Are you ready to sell a vehicle? Quickly and easily sell your car online in 3 simple steps. Once your listing has been approved (usually takes one business day) it will be searchable on AutoSMART's nationwide network of over 1 million Credit Union members.
The AutoSMART Mobile App is free to download for both iOS and Android devices from your App store.
1 Consult your tax advisor.
2 Closing costs will be waived if you (a) finance a minimum of $20,000 on a Home Equity Loan or take an initial advance of $20,000 on a Home Equity Line of Credit, and (b) maintain our Security Interest in the Security Property for at least 36 months. Closing costs typically range form $0.00 to $1,500.
3 Annual Percentage Rates effective 4/1/13 and subject to change without notice. Home Equity Loan rates are based on an evaluation of each applicant's credit. Your actual rate and payment may vary.