Average User Rating:
3 star rating based on 2 reviews.

Market USA Federal Credit Union

Market USA Federal Credit Union Locations

8871 Gorman Road Suite 100
Laurel, MD 20723
(301) 586-3400
www.marketusafcu.com

NCUA

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Market USA Federal Credit Union is headquartered in Laurel and is the 34^th largest credit union in the state of Maryland. It is also the 1,482^nd largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 37 employees and 19,285 members. Market USA Federal Credit Union has a 5-star health rating.

Market USA VIP Checking Dropped Rate ... (Forum) - 1/2/2012

from (3%, $50K) to (2%, $50K).

Market USA FCU Dropped VIP Checking Rate: ... (Forum) - 9/6/2011

from (4%, $50K) to (3%, $50K). There is no place to hide! Some account hopping is in the plan.

Market USA FCU "Enhanced" Requirements... (Forum) - 3/18/2011

Adding three BillPays (at least $20) and debit card transactions need to be at least $5 -- (Premium) Rate still (4%, $50K) Without the three BillPays, the rate is (3%, $50K). Effective 4/1/11. And a complete physical is also required to ensure

The Best Reward Checking Accounts for Large Balances - 2/9/2011

It's getting harder to find reward checking accounts that offer the top rate for balances over $25K. However, there continues to be a few banks and credit unions that offer top rates on balances up to ...

2009

10/1 - 4.00% Reward Checking Account at Market USA Federal Credit Union in MD, MA & SC - Local Only

2008

1/18 - 5.31% 13-Month CD at a MD/SC/MA Credit Union (Market USA).

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See Rates for: Checking | Savings | Money Market | CD

Market USA Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
2.00%^†	-	-	VIP Checking Platinum Tier
1.00%^†	-	-	VIP Checking Gold Tier
0.05%^†	$1k	-	Regular Checking Account

Market USA Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
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

	Apy	Min	Max	Product
	0.40%^†	$50k	-	Money Market Account

Market USA Federal Credit Union CD Rates

Apy	Min	Max	Product
0.85%^†	$500	-	48 Month CD
0.80%^†	$500	-	60 Month CD
0.75%^†	$500	-	36 Month CD
0.65%^†	$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	$1k	12 Month Accumulator Preferred Rate CD

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

MARKET USA
NCUA #	9003
BankRate Report	View
Year Chartered	1953
Employees	37
Primary Regulator
Assets and Liabilities
Assets	$98.84 million
Loans	$35.24 million
Deposits	$80.15 million
Equity Capital	$17.78 million
Loan Loss Allowance	$687,000
Unbacked Noncurrent Loans	$552,000
Historic Data - December 2011
Assets	$95.54 million
Equity Capital	$17.59 million
Loan Loss Allowance	$702,000
Unbacked Noncurrent Loans	$779,000
Profit Margin - Quarterly
Net Interest Margin	5.73%
Return on Assets	0.16%
Return on Equity	0.91%
Interest Income	$2.62 million
Non-Interest Income	$3.32 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Market USA Federal Credit Union had $552,000 in non-current loans and owned real-estate with $18.46 million in equity and loan loss allowances on hand to cover it. This gives Market USA Federal Credit Union a Texas Ratio of 2.99% 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 decreased slightly from 4.26% as of December 31, 2011 to 2.99% as of December 31, 2012, resulting in a positive change of 29.78%.This indicates that the balance sheet and financial strength for Market USA Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Market USA Federal Credit Union has increased its total deposits by $3.08 million, resulting in 4% 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 above average.
Capitalization
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 $98.84 million in assets with $18.46 million in equity, resulting in a capitalization level of 18.68%, which is excellent.

Credit Union With Membership Requirements
5 stars

- curls - Thursday, December 30, 2010 - 12:29 PM

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.
1 stars

- Buddtaoist - Monday, August 29, 2011 - 3:10 PM

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?