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Need More Holiday Dough? Our Holiday Loan is One Sweet Deal!

Our low-cost Holiday Loan can help with all the season's expenses.

Rates as low as 7.24% APR*

12 month term

Borrow up to $5,000

Apply online , at any branch, or call 800-914-4268. Don't miss out - offer is available for a limited time only!

* Annual Percentage Rate current as of 10/1/19. Offer available until 2/29/20. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a 0.25% discount for automatic payment, and an additional 0.50% discount 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 7.24% APR for 12 months are approximately $87.36 per $1,000 per month. Financing for qualified Market USA members.

Share Your 2020 Goals for a Chance to Win!

Are you creative? Enter The Elements of Money's Share Your Goal Contest and you could win a $250 Amazon gift card!

If you're saving for college, getting a limo for prom, or saving for a new car, you already have a savings goal. Share that goal with us by creating a meme, a photo, a short video, a song… you decide. The more creative, the better!

Here's how to enter:

  1. Sign up for a Twitter or Instagram account if you don't already have one.
  2. 3 easy ways to submit your entry:
    1. Tweet your goal and mention & follow @ElementsofMoney on Twitter. Make sure to use the hashtags #ElementsGoal and #MarketUSAFCU.
    2. Tag and follow @elementsofmoney (, and include #ElementsGoal and #MarketUSAFCU.
    3. Email your entry and a caption to:
  3. Don't forget to let us know that you are at least 13 years old. #ImOver13

The contest runs until January 3, 2020. At the end of it, the Elements team will select the grand-prize winner.

Good luck!

*NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING. Open only to residents of the 50 United States and the District of Columbia 13 years of age and older. Contest ends January 3, 2020. Subject to complete Official Rules. This Contest is in no way sponsored, endorsed or administered by, or associated with, Instagram or Twitter. You understand that you are providing your information to Sponsor and not to Instagram or Twitter. Your personal information will only be used in accordance with Sponsor's Privacy Policy and as permitted by law.

You Could Step on the Field at Super Bowl LIV

Pay with Visa for a Chance to Win. It's Like Scoring a Touchdown, But a Whole Lot Easier.

This could be your dream NFL season! When use your Visa from 9/1/19-11/15/19 you'll be automatically entered for a chance to get on the field at Super Bowl LIV in Miami, FL.

Full prize package includes:
  • Two (2) tickets to Super Bowl LIV
  • Pre-game coin toss experience*
  • A $1,000 shopping spree at the NFL Shop
  • Airfare, hotel, and ground transportation
  • Don't have a Market USA Visa?

    Our Visa Platinum cards offer low rates, no annual fees and no balance transfer fees. Choose from two designs: regular Platinum or Maryland flag. Check out our credit cards page for details and apply online or call 800-914-4268.

    *Subject to change

    NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA 2019 NFL SWEEPSTAKES. Open only to legal 50 U.S. & D.C. residents who are 18 or older as of 9/1/19. Void in P.R. and where prohibited. Begins at 12:00 AM PT on 9/1/19, and ends at 11:59PM PT on 11/15/19 ("Promotion Period"). TO ENTER: 1) Automatic Entry: An eligible Visa cardholder will automatically receive one (1) Sweepstakes entry for each eligible Visa purchase made during the Promotion Period at a participating merchant location in the U.S. BONUS ENTRY: An eligible Visa cardholder will automatically receive one (1) bonus Sweepstakes entry for each eligible Visa purchase made using his/her contactless Visa card during the Promotion Period. Only Visa contactless card transactions are eligible for bonus entry. Transactions made with payment-enabled devices such as mobile phones or wearables like smart watches are excluded from bonus entry 2) To Enter by Mail Without Purchase or Obligation: Hand-print your name, street address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), and email address, on plain 3" x 5" paper, and mail it in a #10 envelope with sufficient postage affixed, to: Visa 2019 NFL Sweepstakes, P.O. Box 7734, Melville, NY 11775-7734. Mailed entries must be postmarked between 9/1/19 and 11/15/19, and received by 11/25/19. Enter as often as you wish; however, each mailed entry will count as two (2) entries into the random drawing and must be mailed in a separate postmarked-and-stamped envelope. Mechanical reproductions prohibited. PRIZE: The Ultimate Super Bowl LIV Fan Experience consisting of a 4-day/3-night trip for two (2) people (winner and 1 guest) to Super Bowl LIV in Miami, FL, scheduled to take place from January 31, 2020 to February 3, 2020. Prize includes two (2) tickets to Super Bowl LIV, round-trip economy class air transportation for two (2) people from a major U.S. gateway airport nearest the winner's home, transportation to/from airport and hotel and all scheduled activities, hotel accommodations (one room, double occupancy), two (2) tickets to the Super Bowl Experience, the opportunity to watch the pre-game coin toss on the field at Super Bowl LIV (subject to availability), a $1,000.00 shopping spree at the NFL shop (for winner only), Visa/Super Bowl LIV gift (for winner only), a $250 Visa Prepaid product (for winner only), plus the opportunity for winner and guest to meet a Sponsor-specified NFL Player (subject to availability). Grand Prize will also include $7,800 cash (awarded in the form of a check to winner) that can be used toward the payment of income taxes associated with the prize. ARV: $26,000. ODDS: Estimated odds of winning are 1 in 13,801,430,838; however, the actual odds of winning depend upon the total number of eligible entries received. Sweepstakes subject to complete Official Rules, available at
    SPONSOR: Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999. The NFL Entities have not offered or sponsored this Sweepstakes in any way.

    Senior Safeguard: A Free Resource to Stop and Spot Financial Fraud

    Scammers are well-rehearsed, incredibly convincing and prey on people of all ages, but they most commonly target older adults. According to National Adult Protective Services, 1 out of 9 seniors experiences financial exploitation but only 1 in 44 will ever report it.

    We are taking bold action by offering our members free access to Senior Safeguard, an online, educational program developed to fight financial scams and fraud by teaching you how to stop and spot financial exploitation. Our employees have completed similar training to protect your financial well-being.

    • The online education modules cover the following topics:
    • Planning for a Caregiver
    • Becoming a Caregiver
    • Expectations of a Financial Caregiver
    • Preventing Elder Fraud

    Get started today by visiting: Your financial well-being is our top priority. As your credit union we want to help empower you to protect yourself and your loved ones.

    There's Money Hidden In Your Walls

    The equity in your home is a great way to finance a home remodel, new deck, college education, or debt consolidation. Plus, if you use the funds for home renovations, it may be tax deductible.3

    Choose between a low rate revolving Home Equity Line of Credit or a lump-sum fixed-rate Home Equity Loan. We'll help you choose the one that works best for you.

    Apply online, stop by a branch, or call 800-914-4268.

    1Annual Percentage Rates (APRs) current as of 4/1/19 and subject to change without notice. Rates are based on an evaluation of each applicant's credit and the selected term, if applicable. Your actual rate may vary. Home Equity Line APR is variable and the maximum APR is 18%. Rate is Prime - 0.50%. Subsequent rate changes occur quarterly based on the Prime Rate, which was 5.50% as of 12/20/18. Minimum Home Equity Line of Credit is $10,000. Home Equity Loan payments at 4.24% APR for 60 months are approximately $18.57 per $1,000 per month. Minimum Home Equity Loan is $5,000. 2Closing costs will be waived if you (a) take an initial advance of $20,000 on a Home Equity Line of Credit or finance a minimum of $20,000 on a Home Equity Loan and (b) maintain our Security Interest in the Security Property for at least 36 months. Closing costs typically range from $0.00 to $1,500. 3 Please consult your tax advisor for more information.

    Important Information About Fresh Start Loans

    Our Fresh Start Loan can help you rebuild or establish credit by borrowing $500 for six months with no credit check required.* Fresh Start Loan applications are only available online or in the branch. Although applications are no longer available over the phone, applying online is quick and easy! Take advantage of our convenient online application, or visit one of our branch locations nearest you to get started.

    *Borrow $500 at 18% APR (Annual Percentage Rate) for 6 months. APR effective 5/1/19. A minimum of (6) six months of verified income is required and must be within the last (30) thirty days prior to the loan request (excluding seasonal income). Applicants who are retired or receiving Social Security and/or pension benefits are eligible without (6) months of income verification. You must have direct deposit of net pay (minimum of $500 per month) into your Market USA account for 3 consecutive months. A $30.00 non-refundable fee is due at time of application.

    Our Dollar Dog Kids Club Website Has a New Look!

    Our Dollar Dog Kids Club, for youngsters up to 12 years old, teaches children the importance of saving money while having some fun, too. The Dollar Dog website has just been updated with a brand new look, and offers a more user friendly experience with coloring pages, activities, and new games! Dollar Dog Kids Club benefits include:

    • Official club membership card
    • Dividend-earning savings account
    • Doghouse Savings Bank that your child can customize and color
    • A special yearly birthday card from Dollar Dog with a $1 deposit
    • And more!

    To open a Dollar Dog savings account for your child, fill out our online membership application, stop by a branch, or call 800-914-4268. Be sure to visit our Dollar Dog Kids Club page to check out our new and improved youth site!

    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.

    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.

    Login to 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 10.75% 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 10/31/19 and subject to change. 3.90% introductory APR is valid for 6 months from initial card issuance. Thereafter, the variable rate will be between 10.75% and 18.00%. The APR is calculated as Prime + a margin between 6.00% and 16.00%. Prime is currently 4.75%. Actual rate may vary and is based on an evaluation of applicant's credit and the type of card selected.