Fedchoice Federal Credit Union - Altogether Better

Credit Cards


VISA® Gold Card

  • Apply for a VISA® Gold credit card and receive an introductory fixed rate of 2.99% APR for purchases, balance transfers and cash advances. This introductory rate will remain in effect for six billing cycles if your account is in good standing and will revert to the prevailing fixed rate of 9.46% - 18.00% APR, as determined by an evaluation of your credit, after the introductory period has ended.
  • Applies to purchases and cash advances
  • No Annual Fee
  • Annual skip a payment**
  • Cardholder Benefits - a free package of warranty and travel/emergency services - details will arrive with your new card
  • Zero Liability Policy - protects you against the unauthorized use of your card
  • Transfer high interest credit card balances
  • Cards are issued with chip technology

credit_cards_goldtransparent.fwAll of our VISA cards feature No Annual Fee and No Transaction Fees for purchases or cash advances. Cash Advances are at the same low annual percentage rate as your regular purchases.

Your card balance and transactions are accessible to you through our secure mobile or online eBanking platforms, where you can make VISA card inquiries and transfer VISA payments anytime directly from your FedChoice checking or savings account.


Report lost or stolen VISA cards anytime: 800.325.3678


†The special VISA® Gold Introductory Rate applies to purchases, balance transfers and cash advances and will remain in effect for six (6) billing cycles from the date the credit card is issued. Thereafter, the rate will revert to the regular prevailing rate of 9.46% -18.00% APR as determined by an evaluation of your credit. The introductory rate is not available to members who currently have a FedChoice credit card or have had one in the past three months.

*APR = Annual Percentage Rate. APR is based on evaluation of applicant’s credit at time of application. Actual APR may vary. Credit is subject to credit approval. FedChoice Federal Credit Union’s normal underwriting requirements apply.

**Account must be in good standing to participate in Skip-a-Pay. Scheduling will be determined at the discretion of FedChoice (typically skips August and December payments).



Start here to apply online.


Call us at 301.699.6151 • 800.969.6151 to apply over the phone.


Visit the nearest Financial Service Center.

Rates at a glance

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