Credit Cards
| Credit Card | ||||
| Visa Platinum | Visa Platinum with Rewards | |||
| Annual Percentage Rate (APR) for Purchases | 3.9% for six (6) months, 8.25% - 14.25% Thereafter. | 3.9% for six (6) months, 8.25% - 14.25% Thereafter. | ||
| Cash Advance APR | 3.9% for six (6) months, 8.25% - 14.25% Thereafter. | 3.9% for six (6) months, 8.25% - 14.25% Thereafter. | ||
| Variable Rate Information | Your actual APR may vary and is based on your credit history. A margin between 5.00% - 11.00% is added to the highest Prime Rate* as published in the Wall Street Journal "Money Rates" Table. | |||
| Grace Period for Purchases | 25 Days | |||
| Method of Computing the Balance for Purchases | Average Daily Balance (Including new purchases) | |||
| Annual Fee | None | |||
| Balance Transfer Rate | Same as purchase rate | |||
| Minimum Finance Charge | $0.50 | |||
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date | |||
| Transaction Fees | a. Foreign Transaction Fee - 1.00% of each transaction in U.S. dollars | |||
| Penalty Fees |
a. Late Payment Fee - Up to $20.00 b. Returned Payment Fee - Up to $29.00 |
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| Rate Disclosures View All Rates | ||||
Your Market USA FCU VisaŽ Credit Card will be the most attractive piece of plastic in your wallet, so begin to enjoy the convenience and savings with the Market USA FCU VisaŽ Credit Card!
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
- No annual fee for Platinum Visa or Platinum Visa with Rewards
- No balance transfer fee
- Rate on balance transfer is the same as purchase rate
- Rate on cash advance is the same as purchase rate
- Worldwide acceptance
- Credit line up to $20,000
- Low introductory rates (currently 3.9% for Platinum Visa)
- Low variable rate after introductory period. (the Introductory Rate will apply for 6 months immediately following the date that your account is established)
- Platinum Visa with Rewards earns points which can be redeemed for rewards-hotel stays, vacations, merchandise and air travel plus much more! Visit CURewards for details
- Protection from identity theft through fraud detection software and Verified by Visa
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
