Home Equity Line of Credit

Home Equity Line of Credit Loan Application
Home Equity Line of Credit Rates
Account Type Variable APR Comments
Home Equity Line of Credit 3.99% No closing costs! ( provided initial advance is at least $20,000 and loan remains open 36 months.)

No Refinancing Hassles! With a 20 Year Draw Period followed by a 20 Year Repayment Period you have a long time before you have to worry about refinancing your Home Equity Line of Credit.

Minimum HELOC amount: $10,000, Maximum HELOC amount: $200,000
Rate Disclosures View All Rates

Home Equity Lines of Credit (HELOC) are flexible revolving lines of credit available to you whenever you need it so you only pay interest on what you use. Our HELOC rates are tied to Prime. Your competitive variable rate will be prime + .74% and may adjust quarterly.

Apply online now using the online application link or print an application packet and mail or fax it to us.

  • Borrow up to 85% of the equity in your home
  • Use for home improvements, college expenses, debt consolidation, or any other need that arises
  • Draw Period of 20 years! Repayment terms of 20 years
  • Low monthly payments. Only pay interest on what you use
  • Easy access by check, Mobile Banking, Internet Banking, Telephone Banking, or a phone call to the credit union
  • No annual fee
  • No closing costs! (provided initial advance is at least $20,000 and account remains open for 36 consecutive months)
  • Interest is often tax deductible (consult your tax advisor)
Internet Banking

Internet Banking allows you to access your credit union account (s) via the Internet from your home or office computer. It's free and gives you access to your accounts 24 hours a day!

  • Transfer funds between your Market USA FCU accounts
  • Open new checking, savings, certificate accounts
  • Conveniently pay bills
  • Schedule transfers and check withdrawals
  • Request withdrawals (Teller Checks will be U.S. mailed to you)
  • Request line of credit advances
  • View current account activity
    • Checks Paid
    • Deposits
    • Withdrawals
    • ATM Transactions
    • Debit Card Transactions
    • Hold Amounts
  • Print Account Statements
  • Issue stop payments on checks
  • Request copies of checks
  • Obtain balance information on any of your Market USA FCU accounts
  • Get tax information - interest paid on loans and dividends earned
Internet Bill Pay

Pay your bills quickly and securely online. Click here for more information or to view the online demo.

Telephone Banking

Telephone Banking allows you to access your credit union account(s) from any touch tone phone by calling 301-586-3450 or 800-764-4268.

  • Transfer funds between your Market USA FCU accounts
  • Request withdrawals (Teller Checks will be U.S. mailed to you)
  • Request line of credit advances
  • Hear current account activity
    • Checks Paid
    • Deposits
    • Withdrawals
    • ATM Transactions
    • Debit Card Transactions
  • Issue stop payments on checks
  • Request copies of checks
  • Obtain balance information on any of your Market USA FCU accounts
  • Get tax information - interest paid on loans and dividends earned

Signing up for Telephone Banking can be done on your initial membership application, or simply by contacting our Member Service Center at 301-586-3400 or 800-914-4268.

National Shared Branches:

Market USA FCU is part of the National Shared Branch Network with over 5,000 locations throughout the United States. You can conduct business on your Market USA accounts at these locations.

  • Make deposits
  • Request withdrawals
  • Make loan payments
  • Other services available depending on location

Need to locate a CU Service Center while on the go? Get the Mobile Branch Locator:

Shared branch locations will display the following logo:
National Shared Branches Network Map

Member Service Center

301-586-3400 800-914-4268

Hours:

  • M/W/F 8:30 a.m. to 5:00 p.m.
  • Tu 9:00 a.m. to 5:00 p.m.
  • Th 9:00 a.m. to 6:30 p.m.

Our Member Service Center is staffed by friendly member service representatives ready to assist you.

  • Existing members can open additional savings and checking accounts
  • Have your questions answered
  • Loan applications accepted
  • Changes to your membership or accounts
  • The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators of Market USA Federal Credit Union can be found here.
  • Terms & Conditions.
  • When Your Home is on the Line.
Home Equity LOC Calculator
Use The Cash In Your Home
       

 

 
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government