Credit Card Loan Rates



The following rates are effective on February 1, 2023 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

VISA® Credit Card Rates
Terms VISA® PLATINUM with Rewards VISA® Gold VISA® Share Secured
Special Features
 A great FIXED rate!
APR* For Purchases
Variable Rate As low as 
Fixed Rate from
10.00% - 18.00%
Variable Rate 
currently at 14.50%
Method Of Computing the Balance For Purchases
Daily Balance
APR* For Cash Advances
Variable Rate††
Fixed Rate
10.00% - 18.00%
Variable Rate
Transaction Fee For Purchases
Credit Limit
$5,000 to $50,000
$500 to $35,000
$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.
Annual Fee

* 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.
†† 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% - rate adjusted semi-annually. Share Secured VISA® requires a deposit of 110% of credit limit.


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Rates at a glance

Loan Rates

Deposit Rates

Fed Choice