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2020 Market NewsTap into the Equity in Your Home

*Annual Percentage Rate current as of 10/1/20. Offer available until 2/28/21. 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 5.99% APR for 12 months are approximately $86.34 per $1,000 per month. Financing for qualified Market USA members.

We’re living in unprecedented times and the comfort of our home is more important than ever. Are you looking to build a better space for your office, finish your basement, remodel your kitchen or put on an addition? Whatever your needs, we can help with a fixed-rate Home Equity Loan or a Home Equity Line of Credit (HELOC). While you can use these types of loans for any purpose, the interest may be tax deductible3 if you use the funds for home improvements.

With a fixed rate loan, you can borrow for a specific term and your rate will not change throughout the life of the loan. With a HELOC, you can take an advance at any time, up to your limit. Your HELOC rate may change as Prime changes.

We understand how difficult it can be to budget for holiday expenses – and this year is no exception. Our Holiday Loan is the perfect short-term solution, allowing you to prepare and cover costs in advance.

Help for the Holidays!

1Annual Percentage Rate current as of 9/1/20 and subject to change without notice. Rates are based on an evaluation of each applicant’s credit and selected term. Your actual rate may vary. Payments at 4.49% APR for 60 months are approximately $18.71 per thousand per month, not including insurance or taxes, which could raise your obligation. Minimum Home Equity Loan is $5,000. Home Equity Line APR is variable and the maximum APR is 18%. Rate is Prime – 0.50% with a floor of 3.25%. Subsequent rate changes occur quarterly based on the Prime Rate, which was 3.25% as of 3/16/20. Minimum Home Equity Line of Credit is $10,000. 2Closing costs will be waived if you (a) 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. 3Please consult your tax advisor for more information. 4Actual savings may vary.

With mortgage loan rates at historical lows, now may be the best time to consider refinancing your mortgage. We have a variety of options to help you lower your payment and/or reduce the term of your loan with our great rates and low lender fees. For more information or to apply online, visit marketusafcu.com or contact a mortgage consultant at 571-328-5036.

Refinance Your Mortgage and Save

Visit marketusafcu.com to apply online or call 301-586-3400.

ATM Now Available at Our Hyattsville Branch

We now have a full-service ATM at our Hyattsville Branch (8200 Professional Place, #105, Hyattsville, MD 20785)! You can make deposits, withdrawals, transfer funds or make a loan payment. Members have been asking for an ATM at this location for quite a while, so we are excited to be able to offer this service at our Hyattsville branch.

Fixed-Rate Home Equity Loan

• As low as 4.49% APR1

• Borrow from $5,000 - $200,000 • Up to 80% of your home’s value • Terms of 5 – 15 years • No closing cost options2

Home Equity Line of Credit

• 3.25% APR1

• Borrow from $10,000 - $200,000 • Up to 85% of your home’s value • Enjoy a 20-year draw period • No closing cost options2

So make your list, check it twice, and turn your holiday budget from naughty to nice. Apply online at marketusafcu.com or call 301-586-3400.

• Rates as low as 5.99% APR* • 12-month term • Borrow up to $5,000

Save BIG this Holiday Season! There’s no time like the present to leave fees and high interest rates behind! Our Visa Platinum has no annual fee, no balance transfer fee, and no cash advance fee. Plus, we offer great low rates!

• 0% introductory APR* for 6 months on purchases, balanced transfers and cash advances• Rates as low at 9.25% APR* after introductory period• Credit line up to $20,000• Choose between Visa Platinum and Visa Platinum Rewards. Redeem points for merchandise, air travel, cash back and more!

Are you ready to save? Apply online at marketusafcu.com or call 301-586-3400.*Annual Percentage Rates (APRs) effective 9/1/20 and subject to change. 0% introductory APR valid for 6 months from initial card insurance. Thereafter, the variable rate will be between 9.25% and 18.00%. The APR is calculated as Prime + a margin between 6.00% and 16.00%. Prime is 3.25% as of 3/16/20, Actual rate may vary and is based on an evaluation of each applicant’s credit.

To: Our Members

Holiday Closings

Columbus Day October 12, 2020Veterans Day November 11, 2020Thanksgiving Day November 26, 2020Christmas Eve Closing at 1 pm December 24, 2020 Christmas Day December 25, 2020New Year’s Eve Closing at 1 pm December 31, 2020New Year’s Day January 1. 2021

Federally Insured by NCUA

MARYLAND BRANCHES ARE NOW

A maximum of 10 members will be permitted in the lobby at one time (please keep an eye out for the social distancing decals on the floor)

All members will be served from behind the teller line

Masks are required to enter the branch. All members will be asked to briefly lower their masks for purposes of positive identification

Anti-microbial pens will be available for usage and the lobby is being routinely cleaned

Branch Offices

LAUREL: 8871 Gorman Road, Suite 100, Laurel, MD 20723HYATTSVILLE: 8200 Professional Place, #105, Hyattsville, MD 20785MAULDIN: 201 BI-LO Boulevard, Greenville, SC 29607To confirm branch hours, visit marketusafcu.com.

Online Banking/Bill Pay & eAlertsDesktop and browser based mobile banking with eAlerts for balances & much more at marketusafcu.com.

Mobile Banking with Mobile Check DepositDownload the free app from your app store to enjoy all of the features of Online Banking plus Mobile Check Deposit.

Online Loan ApplicationApply for auto, personal, credit card, home equity, 1st mortgages and more at marketusafcu.com.

Market USA Car Buying ServicesIt’s never been easier or more convenient to find your next car. Go to marketusafcu.com for more information on TrueCar and Carvana.

Member Service Center

Call or text Monday – Friday: 9:00 am – 5:00 pm301-586-3400 • 800-914-4268 Option 4memberservices@marketusafcu.comSecure contact form available at marketusafcu.com, in our Mobile App and Online Banking.

HomeAdvantage

Earn a cash rebate (an average of $1,500 in savings) when you use a HomeAdvantage real estate agent.

e-Statements

Receive your statements earlier and more securely online. Enroll through Online Banking.

Direct Deposit Advantage

• Earn an additional 0.25% on the standard APY on eligible certificates (and another 0.10% for e-statements).

Relationship Rewards

• Receive a 0.50% discount on the APR for most consumer loans with Relationship Rewards.

To receive 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.

Person-to-Person Transfers (P2P)

With the PayPal feature in our new Online and Mobile Banking, you can send money to anyone, anywhere, using only an email address.

Over 5,000 Shared Branches30,000 Surcharge-Free ATMs

More surcharge-free ATMs than just about any bank, anywhere, are available through the CO-OP Network.To find shared branches and surcharge-free ATMs near you, visit marketusafcu.com.

Loan Comparison Tool

To find out how much you could save by moving your loans to Market USA, visit marketusafcu.com/lending/loantools.aspx.

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Great Staff + Great Members = Great Place to Work for the 2nd Consecutive Year!We are excited to share that Market USA has been certified as a Great Place to Work for the 2nd year in a row! In order to be certified, Great Place to Work conducts an independent analysis through an in-depth employee survey. Great Place to Work recognizes leading organizations in the US and more than 60 countries. Since 1992, they have surveyed more than 100 million employees around the world and use those deep insights to define what makes a great place to work.

Member Only Deals Through Love My CU RewardsYour credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Market USA membership saves you money via exclusive member-only offers through our trusted partners. Credit Union members have saved over $2 billion with Love My Credit Union Reward offers like:

• Savings up to $15 on TurboTax federal products.• Exclusive discount from the TruStage Home & Auto Insurance Program.• Members save on SimpliSafe, the #1 expert pick for home security.• Save 30% on premium identity protection from Financial Lock.• Exclusive access to the Love My Credit Union Rewards Powersports, RV & Boat Buying Program.• Save on car maintenance + get $10 off your first service using CarAdvise.• Save 40% on a 1-year membership to Sam’s Club.• Build your credit history with rent and save up to 30% with Rental Kharma.• Save $40 on Calm, the #1 app for meditation and sleep.• Save on your Travel and Entertainment needs like Car Rentals, Hotels, Theme Parks, Movie Tickets and more!

Learn about how your Market USA membership gets you all these exclusive savings and more at LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.

Our Laurel and Hyattsville Branches are open Monday through Friday from 9:00 am – 4:00 pm. The following steps are in place to ensure your safety:

Our Mauldin Branch is available through drive-thru only at this time.

Effective November 15, 2020: Change to Point of Sale Transaction (POS) Dollar Limits. Pin Based – $2,500 per day. Visa Check Card Debit/Signature Based – $2,500.00 per day.