Welcome to FedChoice!
Thank you for your interest in FedChoice, the credit union that's been there for Federal Employees and contractors for over 85 years!
Apply Today!
Remember, You'll Need...
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An email address to create a login
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Your state-issued ID (Driver's License, State ID card, etc.)
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$5.00 Membership Deposit. We accept electronic transfers (ACH), cash, check and Visa or Mastercard
Your FedChoice Team
FedStart
Take your first big step toward a strong financial future with our new FedStart program, designed to set you on the best path possible with big savings and incredible benefits.
highlights
Highlights
- 100% financing available for homebuyers1
- $0 down auto loans with additional financing to cover extra costs2
- Savings Account with a $25 deposit to get you started3
- Cash Back Checking account with up to $300 cashback every year4
- Early payroll deposit that delivers up to 2 days early
- Visa® FedStart Credit Card - credit card with minimum line of $500 for Federal Employee Members5
- New member loan discount - take up to 1% off during your first 90 days6
perks
Additional Perks
- Mobile eBanking with remote deposit7
- Free BillPay with eStatements
- Online eBanking with online chat
- Card controls to manage your debit and credit card
- GreenPath financial wellness programs and webinars
- Financial calculators for car, home, and retirement
- Remote notary services
- Identity theft resources
- A full suite of insurance options for auto, home, career, and more
Let's talk about the options that are best for you.
Drop us a note online or call today: 301.699.6151. We look forward to serving you.
1Mortgage: Rates and terms based on credit criteria; your rate may differ. All loans subject to credit approval. Fixed-Rate Loans: The interest rate charged and the APR are constant for the life of the loan. There are still certain costs such as mortgage points, appraisal, title, and loan processing fees, etc. associated with “no money down”/100% financing mortgage loans. Members should consult a tax adviser for information regarding the deductibility of interest and charges. Minimum/Maximum Refinance Loan Amount: The minimum refinance loan amount is $150,000. Maximum loan amounts are determined by your county’s conforming loan limit. Finance charges begin on the date the loan is made. Interest will continue to accrue until the first payment has been received, which is due within 30 days of settlement but subject to change. Payment Example: Assuming a $250,000 loan amount, a 30-year term, and a mortgage rate of 6.250% (6.508% APR), you would make 360 monthly payments of $1,539.29.00. Mortgage examples do not include amounts for taxes, insurance premiums, etc. Therefore, the actual payment obligation will be greater. Offer subject to change without notice. Consumer mortgage loans only. FedChoice NMLS # 399841 provides mortgage loans by partnership with myCUmortgage, LLC. NMLS # 565434.
2If including warranty products, financing allowed up to 125% of NADA Clean Retail. Other conditions may apply. Some members may be required to put some funds towards the purchase of their vehicle. FedChoice Federal Credit Union’s normal underwriting requirements apply.
3Par Value for FedChoice Membership is $5.00. For anyone who joins FedChoice as a new member, FedChoice will have $25.00 deposited (bonus) into their Main Share Savings Account. This deposit will cover the par value for joining FedChoice. Par Value is required to earn dividends and avoid maintenance fee charges. New members must meet membership eligibility requirements. The $25 bonus will be paid within 21 days of account opening and will be deposited in the Main Share Savings Account.
4With Cash Back Checking, the maximum award of .50% cash back (up to $25.00 per monthly qualification cycle) may be earned when 15+ debit transactions are completed. Enrollment to receive eStatements is required to earn cash back. The minimum balance required for all checking and debit accounts is zero ($0.00). Fees could reduce earnings. Refer to the FedChoice Membership and Account Agreement posted on our website for details regarding applicable activity requirements.
5Member must be employed by a federal agency. Verification of employment will be required and there is a required amount of disposable income. Additional underwriting requirements may apply.
6Application and disbursal for Signature will result in up to a 1% discount. Application and disbursal for an Auto Loan will result in a .25% discount. Application must be made within the first 90 days of membership. No discount may take the rate under the floor rate in accordance with FedChoice Federal Credit Union's rate floor policy. All credit is subject to approval. FedChoice normal underwriting requirements apply. This discount may not be combined with any other offers and is subject to change at any time. Please speak with a Financial Service Advisor for full terms and conditions in relation to this offer. Not everyone will qualify for the lowest loan rates. Final rate will be determined by creditworthiness of the applicant.
7Eligibility for using our Mobile Deposit service via the FedChoice app may be based on qualifications associated with your FedChoice account history. Contact us for additional details.