Fresh Start Loan

The Fresh Start Loan was designed to help members to develop credit worthiness while learning to save money. With each payment made to your loan, an equal portion of that payment is deposited into your sub-share (savings) account. While the balance of your loan decreases with each full payment, your savings increases. Your Fresh Start Savings Account is pledged as collateral for your Fresh Start Loan.To apply for a Fresh Start Loan, visit a Market USA FCU branch, or call 800-914-4268 or 301-586-3400.

  • You must be a member with the credit union for at least three (3) months and in good standing.
  • No Credit Check is required.
  • A minimum of (6) six months of verified employment is required and must be within the last (30) thirty days prior to the loan request (excluding seasonal employment). Applicants who are retired or receiving Social Security and/or Pension benefits are eligible without (6) six months of income verification.
  • You must have Direct Deposit of net pay (minimum of $500/month) currently coming into your Market USA FCU account.
  • Borrow $500 with terms up to 10 months (No auto pay discount on this loan).
  • The Annual Percentage Rate (APR) is 18%.
  • A $25.00 non-refundable fee is due at time of application
  • You must complete an on-line counseling program with our financial fitness partner, Balance Credit Matters Education (Credit Union must be able to confirm a passing score of 70% or better prior to disbursal).
  • A required separate non-interest bearing Fresh Start Savings Account must be opened.
  • A minimum monthly payment of $50 is required.
  • (Example of Distributions):
    • Weekly distribution of $25 = $12.50 loan payment and $12.50 Fresh Start Savings deposit.
    • Bi-Weekly distribution of $50 = $25.00 loan payment $25.00 Fresh Start Savings deposit.
    • When the loan is paid in full, you would have saved at least $500 in your Fresh Start Savings Account. At that time, all monies in the Fresh Start Savings will be made available to you, the member.
    • The Fresh Start Loan must be maintained for at least 6 month in order to qualify for another Fresh Start Loan.
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 and savings accounts
  • 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
  • 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

The PIN/Password you select for your Internet Banking access will also be your PIN/Password for Telephone Banking. After processing of your Internet/Telephone Banking application, you will be given access to both Internet Banking and Telephone Banking. If you already have full access to Telephone Banking, you can begin to use Internet Banking right away!

Optional Bill Payer Service

Internet Banking includes an optional Internet Bill Payer service that allows you to pay most recurring bills with the click of your mouse. The Bill Payer service is FREE for members who pay two or more bills per month; otherwise there's a $2.95 monthly fee. You must have a checking account in order to utilize the Bill Payer Service.

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
  • View current account activity:
  • Checks Paid
  • Deposits
  • Withdrawals
  • ATM 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

The PIN/Password you select for your Telephone Banking access will also be your PIN/Password for Internet Banking. After processing of your Telephone/Internet Banking application, you will be given access to both Telephone Banking and Internet Banking. If you already have full access to Internet Banking, you can begin to use Telephone Banking right away!

National Shared Branches:

Market USA FCU is part of the National Shared Branch Network with over 3,810 locations throughout the United States. You can conduct business on your Market USA accounts at National Shared Branches.

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

Shared branch locations will display the following logo:

Member Service Center

301-586-3400 800-914-4268 Hours: M/W/F 8:30 a.m. - 5:00 p.m.; Tu 9:00 a.m. - 5:00 p.m.; Th 7:15 a.m. - 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
All Loan Accounts
  • Maximum Annual Percentage Rate (APR) is 18.00%.
  • Loan To Value(LTV); The comparison between the amount of the loan and the amount of the loan collateral.
  • Actual rates may vary based on an evaluation of your credit, the loan term, and the amount of the LTV if the loan has collateral.
  • Rates include a .25% discount for automatic payment except for rates listed for: Preferred Line of Credit; Shared Secured.
  • Fresh Start Loan has a non-refundable $25 application fee.
  • Auto Loans: Payments at 3.99% for 60 months are approximately $18.42 per $1,000 per month.
  • Signature Loans: Payments at 10.24% APR for 48 months are approximately $25.49 per $1,000 per month.
Certificates