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Tax Information in Internet Banking

View current and prior year tax information, such as interest paid on loans and dividends earned, when you sign into Internet Banking. Under the "MORE FEATURES" menu, select the "TAX INFORMATION"

TAX INFORMATION is also available through Telephone Banking by calling 301.586.3450 or 800.764.4268.

Don't have Internet/ Telephone Banking? Contact our Member Service Center at 800.914.4268 to get signed up today.

"PICK YOUR SPECIAL" while enjoying peace of mind

Here's how it works:

You simply open any new certificate and lock in a competitive rate right from the start.
When you enroll in Direct Deposit and e-Statements, you will receive an additional .35% 4 added to your already great rate. As long as you keep those products in place, your rate will stay put for the balance of the term. GUARANTEED.
Your deposits are insured to at least $250,000. Deposit insurance is provided through the National Credit Union Administration (NCUA), a U.S. Government Agency. No credit union member has lost a penny of insured funds in the entire history of the NCUA.
Your credit union is safe and sound. We have a solid asset base and a strong loan portfolio.Since we do not participate in sub-prime lending, we have avoided many of the problems that have plagued the industry.

For additional information,current rates, or to open a share certificate, stop by one of our branches, or call 301-586-3400 or 800-914-4268. You can also open a new certificate on-line by selecting "Open New Account" in Internet Banking or print a certificate application form and mail it with your deposit to 8871 Gorman Rd, Suite 100, Laurel, MD 20723.

In today's challenging economy, it's good to know that Market USA is on your side. If you have any questions or concerns, please feel free to call or stop by.

Overdraft Letters

Effective August 25th, 2008, Market USA Federal Credit Union will no longer provide a separate notice to our members concerning payment / nonpayment and related fees. Please refer to your monthly statement for detailed fee and transaction information. You can also obtain account information via Internet Banking or via our new e-Alerts service. With e-Alerts, you can sign up for free instant e-mail or text message notification of Non-Sufficient / Returned Items. Log into Internet Banking at www.marketusafcu.com for more information.

Market USA FCU - Safe, Strong, Secure...with money to lend!

With all the negative financial information that is being reported daily regarding the real estate market and potential bank failures, we felt it was important to inform our members that Market USA FCU is as safe, strong, and secure as ever.

Market USA FCU has been serving its members for over 50 years. With over 20,000 members and over $19 million in reserves, Market USA FCU is a sound financial institution with an extremely strong reserve position. In addition:

We have never engaged in any sub-prime real estate lending
We adhere to sound financial underwriting practices
We are audited regularly by an independent auditing firm and examined periodically by the National Credit Union Administration
Deposits are insured by the National Credit Union Administration, a U.S. Government Agency up to $250,000
For additional information on insurance provided by the National Credit Union Administration please click on the following link Your Insured Funds

Market USA FCU has a strong foundation and is well capitalized. We also want to let you know, we have money to lend! Because we have never been involved in sub-prime real estate lending, we've maintained a solid Capital-to-Asset ratio and sound financial underwriting practices, which allows us to continue to support our members for all their borrowing needs. So when you need a loan, please call, visit one of our branches, or Apply Online.

Rest assured that Market USA FCU is a strong viable financial institution and will continue to operate for the benefit of our members. We are committed to providing you with the products and services that will meet your unique financial needs throughout you and your family's lifetime.

We know you have choices and we thank you for choosing us!

Check 21

Now that Market USA FCU has completed it's migration to Check 21, here are a few tips to help you stay on top of your checking account(s), now more than ever.

What You Need to Know:

You will have less 'float' time. Checks will clear in HOURS, not DAYS. You will want to be sure you have enough money in your account to cover any checks you write.
You may begin to see substitute checks. If you view your check images on-line, or request a copy of a check, you may see a substitute check instead. This will contain all the information of your original check. A substitute check is the legal equivalent of your paper check.
You have specific legal rights. If you believe you have lost money because a substitute check was not properly charged to your account, you have the right to file for an expedited credit.

What You Can Do:

Sign up for direct deposit - Signing up for direct deposit can get a paycheck into your account faster than any other method and usually there are no holds placed on funds that are directly deposited into your account.
Customize your bill due dates - Are your bills falling at awkward times of the month? If so, call your creditors and request a change. Many creditors, including credit card companies, mortgage companies and utilities, are happy to accommodate you. Some even allow you to choose your due date online.
Use Internet Banking and Bill Payer - Want to put high-speed technology to work for you? Use Internet Banking and Bill Payer. This is your personal control panel on which you can monitor direct deposits, activate auto-pay, check your balance and eliminate the need for mail float altogether. Internet Banking is free and Bill Payer is free if you make a minimum of two payments per month. To enroll for Internet Banking, please call 301-586-3400 or 800-914-4268.
E-Alerts - Keep track of your daily account balance with e-Alerts. Have an email sent to you or a text sent to your mobile device. You can also receive alerts when checks clear, balance goes below a certain limit,payroll is deposited, etc. Just log into Internet banking to sign up for e-Alerts.
Apply for a line of credit - A personal line of credit can be attached to your account so if you have a deposit that doesn't clear in time or you make a subtraction mistake you can avoid costly over drafts to your account.

Your homes equity can do amazing things.

Home Equity Loan as low as 4.75% APR** (No Closing Cost*)

Home Equity Line of Credit as low as 3.25%APR**

*To qualify for no closing costs, you must finance $20,000 or more on a Home Equity Loan or $10,000 or more on a Home Equity Line of Credit. Home Equity Loan must remain open for 36 months and Home Equity Line must remain open for 24 months or closing costs will be added onto the loan. The interest you pay may be 100% tax deductible. Please check with your tax advisor for details concerning tax deductibility.

**Annual Percentage Rate effective 12/16/08 and subject to change. Home Equity Loan Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Subsequent rate changes occur quarterly based on Prime. Maximum Annual Percentage Rate is 18%. Home Equity Loans or Lines currently financed with Market USA FCU are not eligible for this offer.

To get started, simply Apply Online or call 301-586-3400 or 800-914-4268.

View a brief video on how easy Internet Bill Pay is.

You'll love the convenience! Internet Bill Pay is:

Fast - Pay your bills online with just a few clicks.

Easy - Detailed instructions help you make sure your payments are processed correctly.

Safe - Your account and payment information are password protected. Data encryption and firewall technology ensure the security and privacy of your transactions.

Versatile - Pay bills one at a time, or set up recurring payments - it's up to you. Plus, receive and view e-bills from over 370 billers.

Flexible - Pay your bills whenever you want, day or night. You can even schedule reminders to tell you when a bill is due. Funds are deducted from your account on the date the payment is due.

To start enjoying Internet Bill Pay you must first be enrolled in Internet Banking. If you are not currently enrolled, call 301-586-3400 or 800-914-4268.

e-Statements And e-Alerts Available Now!

Market USA Federal Credit union is pleased to offer you e-statements and e-Alerts, a free online service - enrolling is quick and easy!

e-Alert and e-Statements FAQ's

e-Statements

With e-statements, you will receive your statement quicker than through regular mail. When you sign up, you will be notified by e-mail when your statement is ready. You can then log into Internet Banking to retrieve your statement which you can print or save on your computer. In addition, you will be able to retrieve up to 24 months worth of statements. If you need a copy of a statement that can no longer be retrieved, you can request a copy through our Member Service Center via e-mail at memberservices@marketusafcu.com or by calling 301-586-3400, option 3 or 800-914-4268, option 3 for a nominal fee. e-Statements are safer than paper statements because you eliminate the paper documentation some thieves use to steal your identity. In addition, e-Statements are environmentally friendly. Plus, when you bank online, you can detect fraud quicker and take necessary action sooner to reduce further damage.

e-Alerts

With this service you can sign up for free instant e-mail notification when any of the following events occur:

An account balance gets to a certain level
An automatic deposit was posted to your account
Certificate maturing
An automatic account withdrawal
Loan balance
Loan due date
Cleared checks
Non-Sufficient Funds (NSFs)/Returned item

In addition, you will also receive e-Alerts for emergency closings, Internet Banking downtime and other important information.

How to Sign Up

Simply log onto Internet Banking and access the e-Statements/e-Alerts tab. You will then need to read and accept the Terms and Conditions. Next, just enter your e-mail address and checkmark any e-Alerts you are interested in. You will receive an e-mail from Market USA FCU Notifications asking you to activate your e-mail address. You will need to activate your e-mail address within 7 days.

Later, if you decide you would rather have paper statements instead, simply access the e-Statements/e-Alerts tab, click on e-Statements and choose "Stop Service". By unsubscribing to e-Statements, you are also unsubscribing to e-Alerts.

Security

We have always used necessary security approaches to ensure your information is protected. Please note that Market USA FCU will never ask that you enter your account number, passwords, PINs or any other personal information using a link provided via e-mail.

Privilege Pay Status In Internet Banking!

Your are now able to view your Privilege Pay Qualification amount within Internet Banking. You no longer have to call or wait for your statement. To facilitate this feature and other features to come we have redesigned the Internet Banking menu. More features are available with one click than before.

Great News for Direct Deposit Club Checking Members!

If you have a Direct Deposit Club Checking account, you can now take advantage of 8 free monthly ATM transactions! Previously, you received 6 free monthly ATM transactions.

(ATM surcharges may apply but use our ATM/Branch Locator to find a surcharge-free ATM near you.) Other benefits of Direct Deposit Club Checking include:

No minimum balance requirement (No monthly maintenance fee)
Free Visa Check Card
No per check charge
Free unlimited Internet Bill Payer service when you pay at least 2 bills a month (otherwise a low $2.95 monthly fee)
Access to over 62,000 surcharge-free ATMS (25,000 through the CO-OP Network and 37,000 from the Allpoint Network)
Discount rates on check orders
Earn dividends on $1,000 or more

If you don't have a Direct Deposit Club Checking yet, you can print the online form and send it to Market USA FCU, 8871 Gorman Road, Suite 100, Laurel, MD 20723.

New and Improved Bill Pay Service!

View Demo!

Market USA FCU is pleased to present an improved Internet Bill Pay Service to you.

New Features for Bill Pay

Online receiving and viewing of bills from over 370 billers
More scheduling options for one time, recurring, and electronic payments
Funds deducted from your account, on the date your payment is due
User-friendly Payment Center to manage all of your bills and payment activity from one convenient screen
Bill reminders will notify you when a bill needs to be scheduled or when a payment has been made
Calendar feature assists you with identifying the earliest available payment date

Apply for our Low-Rate Visa Card with no Balance Transfer Fees

With a Market USA Visa Card, you can take advantage of low introductory rates (and a low rate thereafter), no annual fee, no cash advance fees and no balance transfer fees. Choose between Visa Classic, Visa Platinum and Visa Platinum with Rewards. Apply online or call 301-586-3400 or 800-914-4268. Start saving money right away by transferring balances from your higher rate cards to your new Market USA Visa!

View Your Cleared Checks Online

Through Internet Banking, you can now view cleared checks! After you log in, simply access the "Cleared Checks" button at the top of the Account Summary page. Then enter the dates you are interested in. It's that easy! You may also view them from your transaction history screen. You can view the front and back images of your checks, save the images or print them out. You will be able to view checks cleared on Feb 5th, 2007 or later, and the images will be available for one year. If you are not currently enrolled in Internet Banking, call our Member Service Center at 301-586-3400 or 800-914-4268 and we can set you up.

Introducing our New Mortgage Department

We have replaced PHH Mortgage with our newly expanded Mortgage Department, now available to serve all of your home loan needs! Shopping for a home? Before you hit the pavement with a real estate agent, come to Market USA. We'll give you the tools you need to find both the home and mortgage that best suits you. Thinking of refinancing your current mortgage or consolidating your debts? Let our mortgage professionals work with you so you can make an educated decision. Our team of Home Finance Consultants is available to speak with you Monday - Friday from 8:30 am to 7:00 pm and Saturdays from 9:00 am to 1:00 pm. Call our mortgage department at 800-472-7157 and let one of our team of home loan specialists walk you through the process.

You can also visit our Mortgage Web Center for your mortgage pre-approval and/or to take advantage of our mortgage payment calculators and our other online resources that will help you every step of the way as you begin the home buying process.

Here Now! Additional Internet Banking Protection

Protecting members from fraud and identity theft are top priorities for Market USA Federal Credit Union.

Members now have the option of enrolling for Enhanced Internet Banking Security. Enhanced Login Security goes beyond member ID and password verification to provide an additional level of protection against unauthorized access to your accounts.

How Enhanced Login Security Protects You

Your member ID and password will still be required to access your account. In addition, Enhanced Login Security:

Recognizes computers you regularly use for Internet Banking
Verifies your identity when logging in from non-registered computers with challenge questions that only you know

Your Security is Our Priority

As technology advances and new ways to protect your privacy are developed, you can trust Market USA Federal Credit Union to adopt the most effective security measures for your protection.

If you are not signed up for Internet Banking but would like to take advantage of this free convenient service, simply call our Member Service Center at 301-586-3400 or 800-914-4268.

Take Advantage our Low Rate Auto Loans

Whether you are looking for a new car or interested in refinancing your current auto loan, you can take advantage of our low rate auto loans, starting as low as 4.50% APR.3 We also offer Guaranteed Asset Protection (GAP) for as little as $295 and low cost Mechanical Breakdown coverage.

You can apply for your auto loan online and receive a quick response! Or if you prefer, you can stop by any branch or call 301-586-3400 or 800-914-4268.

You Can Now Make Deposits at Selected Co-Op Network ATMs!

Great news! You can now make deposits at selected ATMs in the Co-Op Network! To find out if Co-Op ATMs in your area accept deposits, simply visit www.co-opnetwork.org (You can also choose the Co-Op Network ATM locator under Product Links.) Check the box "Deposit Taking Only," and either enter your address, city and state or zipcode. The results of your search will list the ATM locations near you that accept deposits. There are 6,000 ATMs in the Co-Op Network that accept deposits.

Just a reminder that you can withdraw money at any Co-Op Network surcharge free. Take advantage of over 25,000 surcharge-free ATMs nationwide!

A New Benefit of Membership: BALANCE Financial Fitness Program

Market USA FCU is dedicated to helping you realize your financial goals - reducing your debt, saving for higher education, buying your first home, or planning for retirement. Which is why we are excited to announce your newest benefit of membership: BALANCE Financial Fitness Program.

Through BALANCE, you have access to free, unbiased money management information and assistance. All you have to do is make a toll free phone call.

BALANCE counselors can answer many of your questions immediately - from how long an item stays on your credit report to whether it's better to lease or buy a car. For more complex issues, such as debt elimination or budget development, an appointment will be scheduled - giving you the personal attention you need to meet your objectives.

If bills have gotten out of hand, your counselor may be able to arrange a Debt Management Plan. BALANCE negotiates with creditors to reduce interest and fees so you can pay your debt quickly and efficiently.

To use the new program, simply call 888-456-2227. Counselors are available:

Monday to Thursday - 8:00 a.m. to 11:00 p.m.
Friday - 8:00 a.m. to 8:00 p.m.
Saturday - 11:00 a.m. to 8:00 p.m.

Or visit www.balancepro.net for more information.

We recognize that money concerns have a serious effect on our quality of life. Now, through our newest partnership, you have access to the very best professional guidance - so you can achieve financial security faster than you ever thought possible.

Important Update on Allpoint ATMs

Allpoint ATMs will be removed from Giant Food stores over the next few months. This is due to a conflict between Giant and a bank concerning the ATM rights to these stores. Other locations that include Allpoint ATMs are CVS, Walgreen, 7-11, Costco, and Target. To find an Allpoint ATM near you, visit www.allpointnetwork.com

Don't forget, most retailers will let you get cash back when making a purchase with your ATM or Check Card. Just be sure to choose the "debit" option when paying for your purchase. There is no charge for this service.

Enjoy Surcharge-Free Access at any CO-OP Network ATM!

Great news for Market USA members! You now have access to over 25,000 surcharge-free ATMs through the CO-OP Network.

Find a Co-Op Network ATM near you

And remember, if you have Direct Deposit Checking, you also have access to over 37,000 surcharge-free Allpoint ATMs.

Combine this with all the other benefits of our checking accounts, which include no minimum balance requirements, no monthly maintenance fee, free Internet Banking and much more, and you've got an account that provides the convenience and flexibility you deserve.

Don't have a Market USA checking account? Call our Member Service Center at 301-586-3400 or 800-914-4268, stop by any Market USA branch, or visit Internet Banking to open an account today!

Online Switch Kit

It's never been easier for current members to bring all of their accounts into one financial institution. Use our Online Switch Kit to make your life more convenient today.

Protecting your credit, debit and ATM cards

It is important to protect your debit, credit and ATM cards. With identity theft on the rise, a criminal with your account information could easily perform unauthorized transactions. Below are some suggestions on how to help prevent this crime from happening to you:

If you plan to use your cards for on-line purchases verify that the website uses a secure encryption system (an encryption system ensures that your information cannot be obtained by an outside person).
It is best to keep a list of your credit, debit and ATM card numbers and their corresponding emergency telephone numbers in a safe place such as a lock box or a safe deposit box. This will be helpful if you should ever need to report a lost or stolen card. When not carrying your cards with you be sure to keep them in a designated secure location.
Be mindful when using your cards for purchases at local vendors that your card is not in direct view of another customer´s cellular phone. Many phones are now equipped with cameras. These cameras are virtually undetectable and could easily capture your card number and expiration date without your knowledge.
Keep all documents containing your account information in a secure location. Be sure to use a paper shredder when it is time discard such documents.

Lost or Stolen Cards

To report your lost or stolen ATM or VISA® Check Card:

Monday - Friday 9:00 a.m. - 5:00 p.m. call
(301) 586-3400 option #5
After hours and weekends call (800) 754-4128

To report your lost or stolen VISA® Credit Card:

24 hours a day/ 7 Days a week, call (800) 449-7728

New Loan Forms and Internet Loan Application

We have launched a new Internet Loan Application which provides an instant decision to qualified borrowers. This means you can apply 24/7 and receive a decision on your loan request! We also have converted to new loan forms which enable members to initially sign open-end loan plan documents and then receive subsequent loans without much additional paperwork or required signatures! Once a member signs an open-end plan, subsequent consumer loans can be disbursed without additional signatures with the exception of secured loans for members in certain states. Apply Now!

84 Month Auto Loans Now Available

We now offer 84 month auto loans with a minimum loan amount of $35,000. The maximum term for Kia, Daihatsu, and Suzuki is 60 months.

>Attention Stop & Shop and Giant Landover Associates - Credit Union Deduction Changes - April 23, 2005

Associates must now utilize Stop & Shop/Giant L´s Associate Express to begin or increase their payroll deduction to the credit union. Recently Stop & Shop and Giant-L announced the rollout of Associate Express which is an online self service application that gives associates access to personal HR information and allows associates to update much of that information. With this rollout, the credit union is no longer able to initiate or change payroll deduction amounts. The credit union will continue to accept and process changes to how your payroll deduction amount is distributed amongst your credit union accounts.

You may access the Associate Express site at HR Express from any location with an internet connection. To add a deduction to the credit union, you will need our routing number which is 255077493 and your account number. For the Financial Institution name, put Market USA FCU. If changing deduction amounts, it is fine to leave the financial institution name as Ahold USA FCU.

Save .25% Off Your Loan Rate!

When obtaining a new loan, make sure you sign up for direct payment. Doing so will give you a .25% discount off the rate.

(Offer does not apply to Visa Credit Cards, Home Equity Lines/Loans, First Mortgages or Variable Rate Lines of Credit.)

New 30 Month Bump Up Certificate!

Take advantage of potential rate increases with our new 30 Month Bump Up Certificate! This new certificate allows a one-time member initiated rate adjustment to the prevailing 30 Month rate. A minimum opening deposit of $500 is required. Please see our rate sheet for current rates and specials.

Obtain Visa Credit Card Activity Online

View your Market USA FCU Visa Credit Card Activity online. View present and past activity, report lost or stolen cards and obtain payment address information. You can also download card activity to Quicken or MS Money. It's easy to register and begin using. Start Here

Online Investing Made Easy

Keep Your Eye on the Stock Market You can get all the financial facts, figures and forecasts you need to keep pace with the markets and stay on top of your investments. Brokerage Services, made available by Market USA Federal Credit Union, offers complete online brokerage services so you can make informed investment decisions. Whether you want to research stocks, watch the market, get real time quotes or place a trade - CUNA Brokerage Services, Inc. (member NASD/SIPC) has the tools you need.

Home Equity Loans and Lines of Credit

Market USA FCU offers home equity lines of credit with NO CLOSING COSTS2 and fixed rate home equity loans with your choice of terms. Use the money for a new car, home improvement, college tuition, to consolidate bills or take a much needed vacation.

1APY accurate as of July 1, 2008 and subject to change. Minimum balance required to earn stated APY. A withdrawal of dividends or the occurrence of fees will reduce earnings. Early withdrawal penalties may apply. Maximum certificate balance is $1,000. Savings insured to $250,000 by NCUA, a U.S. Government agency.
2Home Equity Lines of Credit: Initial advance must be at least $10,000. Lines of credit closed within 24 months of settlement date will be billed for closing costs. Member pays closing costs on fixed-rate Home Equity Loans.
3Annual Percentage Rate current as of January 2,2009 and subject to change. APR is based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a .25% discount for automatic payment. Payment at 4.50% APR for 60 months is approximately $18.65 per thousand per month. Auto loans currently financed through the credit union cannot be refinanced with this offer.
4 Additional Dividend Rate of .35% is accurate as of 9/16/08 and subject to change. Available for a limited time only and minimum balance is required. A withdrawal of dividends or the occurrence of fees will reduce earnings. Early withdrawal penalties may apply. Savings insured to at least $250,000 by NCUA, a U.S. Government agency. Membership subject to eligibility. If you discontinue Direct Deposit or e-Statements, you will receive an immediate reduction in rate.


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