FedChoice will be closed on Monday, October 14th, 2024 in observance of Columbus/Indigenous People's Day. 
We encourage members to check their accounts via eBanking. Click here for
Toll-Free ATMs

Go to main content FedChoice Federal Credit Union
Routing #: 254074785About Contact Forms

A card for every lifestyle. Because you need options.

Cash Back Card Visa Platinum with Rewards Share Secured Visa
Cash Back In Your Pocket Reward Yourself For Things
You Buy Everyday
Strengthen Your Credit While You Shop
Cash Back Card VISA Platinum with Rewards Share Secured VISA
Cash Back While You Spend
  • Earn 1% back on all of your spending
  • Use anywhere that accepts Visa
Rewards Your Way
  • Earn ScoreCard® Reward Points
    for every dollar you spend
  • Use anywhere that accepts Visa
Shopping Your Way
  • Shop anywhere Visa is accepted
  • Cashless purchases and online shopping
  • Book hotels and car rentals
Earning Your Way
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Annual skip a payment
Save Money Your Way
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Annual skip a payment
Build Your Credit Without Fees
  • No annual fee
  • No transaction fees for purchases
  • No cash advance fees
  • Reporting to the three major credit bureaus

Card Security

  • Visa Zero Liability^
  • Real time usage notifications
  • Set GPS and Merchant Restrictions

Learn More

Card Security

  • Visa Zero Liability^
  • Real time usage notifications
  • Set GPS and Merchant Restrictions

Learn More

Card Security

  • Visa Zero Liability^
  • Real time usage notifications
  • Set GPS and Merchant Restrictions

Learn More

 

Start Your Application Online

 

VISA® Credit Card Rates
Effective Date: October 2, 2024
TermVISA® Cash Back Credit CardVISA® PLATINUM with RewardsVISA® Share Secured
Special Features Earn 1.00% Cash Back for every $1 you spend!~~ Earn 1 point for every $1 you spend~ Secured by you!
APR* For Purchases Variable Rate As low as 15.00%** Variable Rate As low as 12.00%†† Variable Rate† currently at 15.50%
Method Of Computing the Balance For Purchases Average Daily Balance Average Daily Balance Average Daily Balance
APR* For Cash Advances Variable Rate†† Variable Rate†† Variable Rate†
Transaction Fee For Purchases None None None
Credit Limit $5,000 to $35,000 $500 to $50,000 $300 to $5,000
Grace Period For Repayment Of the Balance For Purchases You have 27 days to repay your balance before being charged a finance charge. You have 27 days to repay your balance before being charged a finance charge. You have 27 days to repay your balance before being charged a finance charge.
Annual Fee None None None

* APR = Annual Percentage Rate. APR is based on evaluation of applicant’s credit at time of application. Actual APR may vary. FedChoice Federal Credit Union’s normal underwriting requirements apply.
~ Cash advances and transfers do not qualify for Platinum Rewards points. Points can be redeemed for a variety of travel and merchandise awards, but NOT cash.
~~Cash advances and transfers do not qualify for earning 1.00% Cash Back.
†† Variable rate is based on The Wall Street Journal Prime plus 3.50% to 9.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.
** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.
† Variable rate is based on The Wall Street Journal Prime plus 7.00% - rate adjusted semi-annually. Share Secured VISA® requires a deposit of 110% of credit limit.

Debt Protection

You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Debt Protection can help relieve financial pressure in the event of death, disability or involuntary unemployment. Skip the worry – add this coverage to your FedChoice Visa® credit card today!

Learn More about Debt Protection

Report lost or stolen Visa® cards anytime: 800.325.3678.

For questions about ScoreCard® Rewards: 800.854.0790

If you would like a copy of your credit card account agreement under an open-end (not home-secured) consumer credit plan, please call 800.969.6151.

*Applying for a loan as a nonmember also submits a membership application. You must be a member of FedChoice to receive a loan from us. Review membership criteria here.