Spring Market

[Pages:2]Spring

2021

Market News

Changes Coming Soon to Online & Mobile Banking!

New enhancements will soon be available in Online and Mobile Banking, including external account transfers and debit card controls.

External Transfers ? With this feature, you'll be able to transfer funds to and from accounts at other institutions. You'll easily be able to move funds from another institution into your checking account, transfer funds to open a share certificate, move money into an account you have elsewhere and more.

Debit Card Controls ? If you lose or misplace your card, you'll have peace of mind knowing you can keep your account safe by turning off your debit card. Found it later? No problem! You can just turn it back on. If your card was lost or stolen, you can request to close that card and order a new one. Please note this will not stop recurring payments from coming through.

Other enhancements include additional customization options on the Accounts Overview page, checking passwords against known compromises and more. Details will be available soon at !

We're phasing out PayPal in Online & Mobile Banking. Please use

...to send and receive funds!

Within the next few weeks, PayPal will no longer be available in Online and Mobile Banking. Instead, you can use PopMoney, available in Bill Pay, to pay anyone, anywhere using only an email address or mobile phone number. A Market USA checking account is required to access PopMoney.

Annual Business Meeting

Date: Friday, April 23, 2021 Time: 5:30 pm Location: Virtually

As a member-owner of the credit union, you will hear a review of 2020 and find out what is in store for 2021. Every member will be entered into a random drawing for a chance to win the following: 1st prize: $250, 2nd prize: $50, and 3rd prize: $25. Visit and register to attend, then mark your calendars and be sure to tune in online!

Exclusive Carvana Member Offer

We're excited to announce that Carvana has joined the Love My Credit Union Rewards family with an exclusive $100 cash reward for credit union members!

Carvana is the leading e-commerce platform for buying used cars and the fastestgrowing used auto retailer in the country. With Carvana you can:

? Browse certified inventory: low mileage, no reported accidents, 150-point inspection.

? Shop from home: buy online with delivery or pickup available as soon as the next day.

? Get more for less: save valuable time and money by shopping online.

? Buy with confidence: 7-day money-back guarantee, 100-day warranty.

? Finance with ease: easily finance a Carvana purchase with a loan from Market USA.*

Apply online for a pre-approved auto loan and start shopping over 20,000 vehicles with Carvana, all from the comfort of home!

*Financing for qualified Market USA members. $100 cash reward valid only for Carvana purchases through . See Terms and Conditions.

Deals on Wheels!

? New and used rates as low as 1.99% APR1 ? No payments for 2 months2 ? The option to Skip a Pay twice per year3

1Annual Percentage Rate current as of 2/11/21 and subject to change without notice. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a .25% discount for automatic payment and an additional .50% for having a qualifying Rewards Relationship. To qualify for a Reward 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 1.99% APR for 36 months are approximately $28.68 per $1,000 per month. 2Interest begins accruing upon disbursement of the loan. Loans and deferred payments are subject to credit approval. Current Market USA loans are not eligible for this promotion. Offer available for a limited time only and subject to change without notice. Certain restrictions apply. Ask us for details. 3A minimal processing fee per loan will be charged to your savings or checking account based on your monthly payment. Interest will continue to accrue on unpaid loan balance. To qualify for extension, loan must be open for at least 90 days and in good standing. Certain restrictions apply. Contact us for details.

First-Time Homebuyers:

Up to $7,500 Available for Home Purchase

Buying your first home is an important milestone in your life. We understand that finding the right financing plan is as important as finding a home that fits your lifestyle.

To help you get started on solid footing, Market USA can help first-time homebuyers access up to $7,500 to assist with the down payment and closing costs incurred when purchasing a home. Funding is available to qualified first-time homebuyers.*

In addition to meeting income eligibility requirements, the homebuyer must: ? Contribute at least $1,000 toward the purchase of a home ? Occupy the home as a primary residence for at least five years ? Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta

Market USA prides itself on providing accessible and feasible financial resources and mortgage products to first-time homebuyers. Please contact a mortgage consultant at 571-328-5036 to determine if you are eligible for First-time Homebuyer funding and to begin your application process.

*Eligibility requirements apply. Please contact our Mortgage Department for more information.

We've Got the Keys to Your Perfect Home Search

Finding the perfect home where you will share time with family and friends, and create great memories, is very exciting. But it can also be overwhelming. We're here to help.

Market USA's HomeAdvantage? program offers everything you need to search, buy, sell and save! You can search the most current property listings based on your list of "musthaves," research what is selling in your neighborhood (as well as the areas you want to live in), or go deeper into community demographics, school zones, local amenities and more ? all from your desktop or mobile device. Visit our website to learn more about this free and easy-to-use service.

Introducing KOFE: Knowledge of Financial Education

We can help you and your family earn more and save more. We've joined forces with an organization called KOFE, which stands for Knowledge of Financial Education. Learn how to manage your finances ? with educational videos, step-by-step how-to guides, high-tech interactive tools, and even fun games for the kids. And it's all free. Once in the KOFETime portal, you will find user-friendly self-help tools like:

? Budgeting Tools ? Interactive courses ? Infographics ? Webinars ? Calculators

? Books ? Live chat ? Podcasts ? Videos ? Games

KOFE also offers free and unlimited financial coaching. You can call a certified credit counselor and receive personalized advice about:

Spending & Saving ? how to improve your household budget and saving strategies Credit Repair ? how to read and understand your credit report, correct mistakes, and raise your credit score Debt Management ? cut your monthly payments and freeze late fees to get out of debt quicker Housing Counseling ? bring your mortgage up-to-date, prevent foreclosure and learn about first-time home buying and reverse mortgages

Visit to register today!

Federally Insured by NCUA

Holiday Closings

Memorial Day Juneteenth (observed) Independence Day (observed)

May 31, 2021 June 18, 2021

July 5, 2021

Branch Offices

LAUREL: 8871 Gorman Road, Suite 100, Laurel, MD 20723 HYATTSVILLE: 8200 Professional Place, #105, Hyattsville, MD 20785 MAULDIN: 201 BI-LO Boulevard, Greenville, SC 29607

To confirm branch hours, visit .

Online Banking/Bill Pay & eAlerts

Desktop and browser based mobile banking with eAlerts for balances & much more at .

Mobile Banking with Mobile Check Deposit

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

Online Loan Application

Apply for auto, personal, credit card, home equity, 1st mortgages and more at .

Market USA Car Buying Services

It's never been easier or more convenient to find your next car. Go to for more information on TrueCar and Carvana.

Member Service Center

Call or text Monday ? Friday: 9:00 am ? 5:00 pm 301-586-3400 ? 800-914-4268 Option 4 memberservices@ Secure contact form available at , 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 PopMoney feature available within Bill Pay in Online and Mobile Banking, you can send money to anyone, anywhere, using only an email address or mobile phone number.

Over 5,000 Shared Branches 30,000 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 .

Loan Comparison Tool

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

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