Market Center

Senior Safeguard: A Free Resource to Stop and Spot Financial Fraud

Scammers are well-rehearsed, incredibly convincing and prey on people of all ages, but they most commonly target older adults. According to National Adult Protective Services, 1 out of 9 seniors experiences financial exploitation but only 1 in 44 will ever report it.

We are taking bold action by offering our members free access to Senior Safeguard, an online, educational program developed to fight financial scams and fraud by teaching you how to stop and spot financial exploitation. Our employees have completed similar training to protect your financial well-being.

  • The online education modules cover the following topics:
  • Planning for a Caregiver
  • Becoming a Caregiver
  • Expectations of a Financial Caregiver
  • Preventing Elder Fraud

Get started today by visiting: Your financial well-being is our top priority. As your credit union we want to help empower you to protect yourself and your loved ones.

I Spy a Summer Savings Contest

This is your chance to get rewarded for having fun this summer. Enter The Elements of Money's Instagram contest for your chance to win $250!

Fishing at the local lake?
Staying cool in a friends swimming pool?
Creating an incredible DIY project?

The I Spy A Summer Savings Contest lets you submit photos of your most fun (and least expensive) summer moments.

  • There are 2 ways to enter:
  • Instagram. Post your pic, use the hashtag #ispysummersavings, tag and follow @ElementsOfMoney (
  • Email. Send your photo with caption to, and be sure to mention that you're at least 13 years old (minimum age to enter).

Pro tip: include a caption explaining how you're saving money.

The contest runs through August 31, 2019. Elements of Money will then select the grand-prize winner.

Visit Elements of Money for full details. Good luck!

New Member Service Call Center Hours

Effective Monday, July 22nd, our Member Service Call Center hours will be:

  • Monday - Friday: 9:00 am - 5:00 pm
  • If you need account information after normal business hours, we offer several ways to access your accounts:
  • Review balances, look up recent transactions, transfer funds, and more with Online and Mobile Banking. If you are not currently registered, you can enroll in Online Banking and/or download our Mobile App from your app store.

    Market USA Android app on Google Play
    Market USA on Apple App Store
  • Thousands of surcharge-free ATMs and Shared Branches through the CO-OP Network.
  • Deposit checks from your mobile device with Mobile Check Deposit (checking account required).* This service is available through our Mobile App.

Market USA branches offer Saturday hours from 9:00 am to 12:00 pm. Please visit our Locations page for additional branch hours.

*Membership must be established for at least 90 days; checking account must be opened for at least 30 days; account must be in good standing; primary account holder must be at least 13 years of age. Additional restrictions apply. See Mobile Deposit Terms & Conditions for details.

Summer Loan Special

Have a ball with our Summer Loan! Use the funds for a beach getaway, a sightseeing adventure, or any other summertime plans! Borrow up to $5,000 for 12 months with rates as low as 7.59% APR.* Apply online, at any branch or call 800-914-4268.

*Annual Percentage Rate current as of 6/1/19. Offer available until 9/30/19. 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 7.59% APR for 12 months are approximately $87.08 per $1,000 per month. Financing for qualified Market USA members.

There's Money Hidden In Your Walls

The equity in your home is a great way to finance a home remodel, new deck, college education, or debt consolidation. Plus, if you use the funds for home renovations, it may be tax deductible.3

Choose between a low rate revolving Home Equity Line of Credit or a lump-sum fixed-rate Home Equity Loan. We'll help you choose the one that works best for you.

Apply online, stop by a branch, or call 800-914-4268.

1Annual Percentage Rates (APRs) current as of 4/1/19 and subject to change without notice. Rates are based on an evaluation of each applicant's credit and the selected term, if applicable. Your actual rate may vary. Home Equity Line APR is variable and the maximum APR is 18%. Rate is Prime - 0.50%. Subsequent rate changes occur quarterly based on the Prime Rate, which was 5.50% as of 12/20/18. Minimum Home Equity Line of Credit is $10,000. Home Equity Loan payments at 4.24% APR for 60 months are approximately $18.57 per $1,000 per month. Minimum Home Equity Loan is $5,000. 2Closing costs will be waived if you (a) take an initial advance of $20,000 on a Home Equity Line of Credit or 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. 3 Please consult your tax advisor for more information.

Important Information About Fresh Start Loans

Our Fresh Start Loan can help you rebuild or establish credit by borrowing $500 for six months with no credit check required.* Fresh Start Loan applications are only available online or in the branch. Although applications are no longer available over the phone, applying online is quick and easy! Take advantage of our convenient online application, or visit one of our branch locations nearest you to get started.

*Borrow $500 at 18% APR (Annual Percentage Rate) for 6 months. APR effective 5/1/19. A minimum of (6) six months of verified income is required and must be within the last (30) thirty days prior to the loan request (excluding seasonal income). Applicants who are retired or receiving Social Security and/or pension benefits are eligible without (6) months of income verification. You must have direct deposit of net pay (minimum of $500 per month) into your Market USA account for 3 consecutive months. A $30.00 non-refundable fee is due at time of application.

Members Impacted by the BI-LO Store Closings

Market USA is not for profit, but for people. Since 1953 we've served you, our members, taking pride in providing the personal service you want and deserve, regardless of your circumstances. If you've been impacted by BI-LO store closings, we recognize you may have concerns. Know that we're here for you and want to help lessen the financial impact as best we can.

Once a Market USA member, always a member, even if you no longer work for BI-LO, or move out of the area. As long as you keep your account open, our full range of benefits are available to you. There's no need to close your account - we look forward to serving you now and into the future.

Help when you need it most. When life's circumstances make it difficult to make ends meet, we're here to help bring those ends back together. We invite you to take advantage of the following special benefits designed to assist BI-LO employees affected by store closings.

  • FlexPay1 - Lower your monthly auto or signature loan payments. Select the term and monthly payment that fits your needs. It's simple, convenient and the entire process can be completed securely online... plus there's no cost! Log into Online Banking to get started today.
  • Skip-a-Pay2 - Skip a payment on your auto or signature loan. Simply log into Online or Mobile Banking to process your request and free up cash for other uses. Fee will be waived upon verification by presenting your letter from BI-LO regarding closure.
  • Waived Early Withdrawal Penalties - Incur no fees for cashing out a Certificate before maturity. Present BI-LO's letter regarding closure for verification purposes and take the cash you need to get by.
  • CCCSMD - Call 800-642-2227 or visit to take advantage of consumer credit counseling services. Counselors are available to help individuals and families resolve financial problems through confidential budget counseling, debt management repayment programs and more.

Conveniently located; ready to help.

Mauldin Branch
201 BI-LO Blvd, Greenville, SC 29607
864-234-4660 or 800-914-4268 ·

1Certain restrictions apply. Ask for details. 2Interest will continue to accrue on unpaid loan balance. To qualify for extension, loan must be in good standing. Certain restrictions apply. Visit or call 864-234-4660 or 800-914-4268 for details. Once the skip a payment has been processed, the fee will be refunded to your savings or checking account.

Our Dollar Dog Kids Club Website Has a New Look!

Our Dollar Dog Kids Club, for youngsters up to 12 years old, teaches children the importance of saving money while having some fun, too. The Dollar Dog website has just been updated with a brand new look, and offers a more user friendly experience with coloring pages, activities, and new games! Dollar Dog Kids Club benefits include:

  • Official club membership card
  • Dividend-earning savings account
  • Doghouse Savings Bank that your child can customize and color
  • A special yearly birthday card from Dollar Dog with a $1 deposit
  • And more!

To open a Dollar Dog savings account for your child, fill out our online membership application, stop by a branch, or call 800-914-4268. Be sure to visit our Dollar Dog Kids Club page to check out our new and improved youth site!

Have a Question? Send Us a Text!

Exciting news! You can now text Member Services at 301-586-3400 or Payment Solutions at 301-586-3401 for assistance. We will respond as soon as possible during normal business hours. For your security, do not send sensitive information through text, such as your account number or social security number. Instead you can use the Secure Message option in our new mobile app. Please note we will never ask for your account information through text. Message and data rates may apply.

New Online and Mobile Banking Now Available!

We're excited to announce that our new Online Banking service is here - and we've made the transition as seamless as possible. You can login using your existing User Id, security answers, and password.

  • Many of the great features within our existing Classic Internet Banking are available in our new site, including e-statements, mobile deposit, bill pay, and more. Plus, Online Banking now offers enhanced options including:
  • A better banking experience with a more user-friendly look and feel
  • The ability to see your accounts in one place, including joint accounts
  • Transfer funds to other Market USA members
  • Use the Mobile App's Quick Balance feature to view your balance without logging in.
  • Customization that allows you to hide, show, and sort accounts the way you want to
  • Dashboards on saving, spending and balances
  • Access to PayPal for transferring money (this will replace PopMoney)
  • And more!

In addition, biometric features are now available in our Mobile App, making it more convenient for you to sign in using your fingerprint.

Login to experience New Online Banking today!

Important Information About Mobile Check Deposit

Market USA's Mobile Check Deposit service offers a convenient, easy, and secure way for you to deposit checks, without ever stepping foot in a branch. For those of you already taking advantage of this great service, a change has been made to how a Mobile Check Deposit should be endorsed. To help ensure your e-deposit will be accepted, please include the check number in your endorsement. For example, if your check number is 6524, the endorsement should say "Check # 6524 for e-deposit only at Market USA."

If you are new to Mobile Check Deposit, here are instructions on how to use this service.

Lower Your Loan Payments with Our FlexPay Program

If you have a Market USA auto or personal loan, and are looking to save on your monthly expenses, you may be eligible to use our new FlexPay program! With a few easy clicks, you can extend the term and lower your monthly payments - the entire process is completed securely online. To get started, simply sign into Online Banking or Mobile Banking through our website (not the mobile app), and select FlexPay next to your loan. Your current loan information will already be pre-filled on the FlexPay screen. You can adjust the dial until you find the term and monthly payment that fits your needs. Once you select the Extend Term button, e-sign and submit your loan documents, and you're done! Visit our FAQs for more details.1

Switch and Save with our Visa Platinum Card

Don't spend your hard earned money on fees and higher interest rates. Our Visa Platinum cards offer NO balance transfer fees, NO cash advance fees and NO Annual Fees. Plus, we offer great low rates - that's the credit union difference!

  • Low 3.90% APR2 introductory rate for 6 months
  • Rates as low as 11.25% APR2 after six-month introductory period
  • Credit line up to $20,000
  • Save big by transferring higher-rate balances to your Market USA Visa
  • Choose between Visa Platinum and Visa Platinum with Rewards. Redeem your points for hotel stays, vacations, merchandise, air travel and more!

Apply online, call 1-800-914-4268 or stop by any branch. Don't forget to move higher-rate balances to your new Market USA Visa Platinum card!


  1. A minimal processing fee per loan will be charged to your saving or checking account based on your monthly payment. Excludes Mortgage, Home Equity and Credit Card balances. 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. Call for details.
  2. Annual Percentage Rates (APRs) effective 8/1/19 and subject to change. 3.90% introductory APR is valid for 6 months from initial card issuance. Thereafter, the variable rate will be between 11.25% and 18.00%. The APR is calculated as Prime + a margin between 6.00% and 16.00%. Prime is currently 5.25%. Actual rate may vary and is based on an evaluation of applicant's credit and the type of card selected.