Fedchoice Federal Credit Union - Altogether Better

Loan Rates


Credit Card Loan Rates

The following rates are effective on October 1, 2016 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Financial Advisory Center (FAC) at 301.699.6151800.969.6151.

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VISA® Credit Card Rates

VISA® Credit Card Rates
VISA® PLATINUM with Rewards
VISA® Gold
VISA® Share Secured
Special Features
Introductory Fixed Rate of
2.99% APR^
Effective for the first six billing cycles
APR* For Purchases
Variable Rate As low as 
Fixed Rate from
9.48% - 18.00%
Variable Rate 
currently at 10.50%
Method Of Computing the Balance For Purchases
Daily Balance
APR* For Cash Advances
Variable Rate††
Fixed Rate
9.48% - 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.
^ 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 fixed rate of 9.48% -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.
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.


Start here to apply online.


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


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Rates at a glance

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