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8871 Gorman Rd, Ste 100
Laurel, MD 20723

Market USA Federal Credit Union is headquartered in Laurel and is the 35th largest credit union in the state of Maryland. It is also the 1,569th largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 35 employees and 18,180 members. Market USA Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Associates and retirees of the select companies may become members of Market USA Federal Credit Union. In addition, immediate family or household members of associates and retirees of the organizations may also join the Credit Union. - See Details

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Reviews (3)

Credit Union With Membership Requirements

You need to be an employee of one of their member companies.  Or related to an employee.  Or related to a person with an account allready.

Giant is the big employee.  There's a list under the "member" selection in the navigation bar across the top.

The rate is accurate as of 12/29/2010 of 4% up to 50,000.  Pretty amazing.  Only 1 account per person.

They Are GOD.

Every time when I talk to a rep, I will hear the stiff, harsh and didactical tone. Plus, they always makes the process as difficult as possible.  All I can do is to make myself be very very patient until that day, they insisted on mailing instead of faxing some data that I needed it in hand immidiately, even after they have verified my ID through the phone. They are very preceptive, they might believe they are God? 

Marketusa Is My Piggy Bank

The only time I needed to speak to anybody was when I opened the Rewards Checking Account. After that, no contact since a few trips to deposit money. I don't need to talk to them, nor hear from them on the phone. As long as I get my 2% interest, I am a happy camper!! This is not a bank for somebody who needs a bank. This place is an excellent piggy bank.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Market USA Federal Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Market USA Federal Credit Union had $499,000 in non-current loans and owned real-estate with $18.47 million in equity and loan loss allowances on hand to cover it. This gives Market USA Federal Credit Union a Texas Ratio of 2.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Market USA Federal Credit Union experienced no significant changes from 1.73% as of March 31, 2013 to 2.70% as of March 31, 2014, resulting in a negative change of 56.04%. This indicates that the balance sheet and financial strength for Market USA Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Market USA Federal Credit Union has decreased its total deposits by -$4.18 million, resulting in -5.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Market USA Federal Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Market USA Federal Credit Union has $95.69 million in assets with $18.47 million in equity, resulting in a capitalization level of 19.30%, which is excellent.

Institution Statistics

NCUA #9003
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$95.69 million
Loans$36.37 million
Deposits$77.15 million
Equity Capital$17.80 million
Loan Loss Allowance$670,000
Unbacked Noncurrent Loans$499,000
Real Estate Owned$0
Historic Data - March 2013
Assets$100.45 million
Equity Capital$17.83 million
Loan Loss Allowance$652,000
Unbacked Noncurrent Loans$499,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.26%
Return on Equity1.42%
Interest Income$710,000

Always verify rates and promotions with the bank or credit union. We are not Market USA Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Market USA Federal Credit Union Savings Account Rates

0.15%$5k-Savings Account
0.15%--IRA Savings
0.10%--Holiday Club Account
0.10%--Vacation Club Account

Market USA Federal Credit Union Money Market Rates

0.40%$50k-Money Market Account

Market USA Federal Credit Union Checking Account Rates

2.00%-$15kVIP Checking Platinum Tier - Qualifying
1.00%-$15kVIP Checking Gold Tier - Qualifying
0.05%$1k-Regular Checking Account

Market USA Federal Credit Union CD Rates

1.40%$500-60 Month CD
1.10%$500-48 Month CD
1.00%$500-36 Month CD
0.75%$500-24 Month CD
0.60%$500-18 Month CD
0.55%$500-12 Month CD
0.50%$500-6 Month CD
0.40%$500-3 Month CD
0.40%$100$1k12 Month Accumulator Preferred Rate CD

Market USA Federal Credit Union Locations
Branch Office8871 Gorman Rd Ste 100Laurel, MD 20723-5877
Branch Office8871 Gorman Rd Ste 100Laurel, MD 20723-5877
Branch Office201 Bi Lo BlvdGreenville, SC 29607-5346
Branch Office8200 Professional Pl Ste 105Landover, MD 20785-2293