Home Equity
| Fixed Rate Home Equity Rates | ||||
| Term | APR | Loan to Value | Comments | |
| 5 Years | 5.75% | Up to 80% | No closing costs provided initial loan amount is $20,000 and loan remains open for 36 months. Minimum Loan Amount: $5,000. Maximum Loan Amount $100,000. Maximum Loan to Value (LTV) for owner-occupied and non-owner-occupied properties is 80% of tax assessed or appraised value. Rate based on credit evaluation. | |
| 7 Years | 6.00% | Up to 80% | ||
| 10 Years | 6.00% | Up to 80% | ||
| 15 Years | 6.25% | Up to 80% | ||
| Rate Disclosures View All Rates | ||||
When used properly, the equity in your home can be a powerful tool. It is an excellent product choice for making large purchases, paying for tuition, or remodeling.
- Available on your primary or secondary home
- Borrow up to 80% of the equity in your primary or secondary home
- Interest is often tax deductible (consult your tax advisor)
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
- The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators of Market USA Federal Credit Union can be found here.
- Account Disclosures.

