Market Center

"Share Your Goal (With Emojis)!"
…Tweet your savings goal & win

Are you creative? Do you like to use emojis? Enter The Elements of Money's "Share Your Goal (with emojis)!" contest, and you could win a $250 gift card!

If you're saving for a car, planning a graduation trip or thinking of getting a new phone, you already have a savings goal. Tweet that goal using only emojis for a chance to win.
The more creative, the better!

  • Entering is easy:
  • Sign up for a Twitter account if you don't already have one.
  • Tweet your savings goal using at least four emojis (you can use numbers and symbols, but no words)
  • Mention @ElementsofMoney in the tweet, follow them on Twitter, and use the hashtag #ElementsGoal

The contest runs from November 23 to December 28, 2018. At the end of it, the Elements team will select the grand-prize winner. You must be at least 13 to enter.

Good luck!

Have a Question? Send Us a Text!

Exciting news! You can now text Member Services at 301-586-3400 or Payment Solutions at 301-586-3401 for assistance. We will respond as soon as possible during normal business hours. For your security, do not send sensitive information through text, such as your account number or social security number. Instead you can use the Secure Message option in our new mobile app. Please note we will never ask for your account information through text. Message and data rates may apply.

Support Operation Homefront by Using Bill Pay

It's a great feeling to get relief during a crisis, a way to regain resiliency and a little bit of recognition and recurring support for a life of sacrifice. This fall, Market USA is helping honor our heroes and you can too, just by using Bill Pay.

From November 1, 2018 - December 31, 2018, Market USA will donate $1 to Operation Homefront to help support military families for every qualifying transaction completed through Bill Pay.

Operation Homefront has been listed as a 4-star nonprofit for nine consecutive years by Charity Navigator. It contributes 92% expenditures toward programs to help military families build their savings and create plans for their lives and careers outside the military. The program not only provides emergency financial assistance to our brave military members and their families, but also helps with housing, family and caregiver support, and programs to prevent financial instability. Founded in 2002, Operation Homefront is proud to continue on their mission to build strong, stable and secure military families so that they can thrive in the communities they've worked so hard to protect.

This is your chance to make payments the easy way and give back to others who have given so much!

Between 11/1/2018 and 12/31/2018, $1 will be donated to Operation Homefront on behalf of each consumer who completes one of the following actions: adding and paying a new payee, activating an eBill, or adding a recurring payment (AutoPay) through Market USA. Each of the Bill Pay payments must be at least $10 and must be paid to another party with a different mailing address from the primary online banking account holder. Maximum donation is $25,000 total for all campaign participants throughout 2018. Your account must be in good standing. Rules are subject to change without notice.

Business accounts are excluded. Employees of Fiserv, Inc. and their respective parent and affiliate companies, as well as board members and the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible.

©2018. All rights reserved.
Federally Insured by NCUA.

Take Advantage of Our Holiday Loan before It's Too Late!

Are holiday bills starting to pile up? We can help! Now is a great time to consolidate higher interest rate loans into one low, easy monthly payment. But hurry - time is running out on this great offer!

Rates as low as 7.59% APR* • Up to $3,000 • 12-Month Term

Offer only available until February 28, 2019 - Apply today!

*Annual Percentage Rate (APR) current as of 1/1/19. 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 an additional .50% for having a qualifying Rewards Relationship. To qualify for a Rewards Rate, you must have e-Statements and one of the following, (a) direct deposit of at least $500 per month and an active Market USA checking account, or (b) at least $25,000 on deposit. Payments at 7.59% APR for 12 months are approximately $87.04 per $1,000 per month. Financing for qualified Market USA Federal Credit Union members.

Enter to Win a $1,000 Scholarship!

Are you headed off to college or trade school in 2019? The $12,000 Credit Union College Scholarship Program is underway now! 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, 2019. Scholarship winners will be announced in May 2019 on the Credit Union Foundation MD|DC's scholarship

This year's essay topic is "How can your credit union help you become financially independent?" This year's video topic is "Create a 60-second video showing how your credit union helps you achieve your financial goals." This year's photo theme is "Dream big."

Any member of Market USA who is entering their freshmen through senior year of college or trade school may apply. Applications are accepted online at Market USA, the Credit Union Foundation MD|DC, and its generous supporters partner to make this scholarship program possible.

New Online and Mobile Banking Now Available!

We're excited to announce that our new Online Banking service is here - and we've made the transition as seamless as possible. You can login using your existing User Id, security answers, and password.

  • Many of the great features within our existing Classic Internet Banking are available in our new site, including e-statements, mobile deposit, bill pay, and more. Plus, Online Banking now offers enhanced options including:
  • A better banking experience with a more user-friendly look and feel
  • The ability to see your accounts in one place, including joint accounts
  • Transfer funds to other Market USA members
  • Use the Mobile App's Quick Balance feature to view your balance without logging in.
  • Customization that allows you to hide, show, and sort accounts the way you want to
  • Dashboards on saving, spending and balances
  • Access to PayPal for transferring money (this will replace PopMoney)
  • And more!

In addition, biometric features are now available in our Mobile App, making it more convenient for you to sign in using your fingerprint or eye scan.

Log into experience New Online Banking today!

Important Information About Mobile Check Deposit

Market USA's Mobile Check Deposit service offers a convenient, easy, and secure way for you to deposit checks, without ever stepping foot in a branch. For those of you already taking advantage of this great service, a change has been made to how a Mobile Check Deposit should be endorsed. To help ensure your e-deposit will be accepted, please include the check number in your endorsement. For example, if your check number is 6524, the endorsement should say "Check # 6524 for e-deposit only at Market USA."

If you are new to Mobile Check Deposit, here are instructions on how to use this service.

Lower Your Loan Payments with Our FlexPay Program

If you have a Market USA auto or personal loan, and are looking to save on your monthly expenses, you may be eligible to use our new FlexPay program! With a few easy clicks, you can extend the term and lower your monthly payments - the entire process is completed securely online. To get started, simply sign into Online Banking or Mobile Banking through our website (not the mobile app), and select FlexPay next to your loan. Your current loan information will already be pre-filled on the FlexPay screen. You can adjust the dial until you find the term and monthly payment that fits your needs. Once you select the Extend Term button, e-sign and submit your loan documents, and you're done! Visit our FAQs for more details.1

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% APR2 introductory rate for 6 months
  • Rates as low as 11.00% APR2 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 1-800-914-4268 or stop by any branch. Don't forget to move higher-rate balances to your new Market USA Visa Platinum card!


  1. A minimal processing fee per loan will be charged to your saving or checking account based on your monthly payment. Excludes Mortgage, Home Equity and Credit Card balances. Interest will continue to accrue on unpaid loan balance. To qualify for extension, loan must be open for at least 90 days and in good standing.Certain restrictions apply. Call for details.
  2. Annual Percentage Rates (APRs) effective 6/14/18 and subject to change. 3.90% introductory APR is valid for 6 months from initial card issuance. Thereafter, the variable rate will be between 11.00% and 18.00%. The APR is calculated as Prime + a margin between 6.00% and 16.00%. Prime is currently 5.00%. Actual rate may vary and is based on an evaluation of applicant's credit and the type of card selected.