Credit Card Loans

Did you know that Visa® is accepted in more than 200 countries! Apply for a Visa® Card today and enjoy a secure and reliable way to pay for anything you need, anywhere in the world. FedChoice Federal Credit Union has a card that’s right for you – choose from our Platinum Rewards, Gold or Share Secured Visa® cards. Click here for Visa® rates!

To transfer high interest balances from another financial institution or retailer credit card, log in to eBanking, our online banking service. Click on your credit card account with FedChoice and then click on the "Balance Transfer" tab.

If you do not already have a user name and password to access online banking, please click on the "Need Assistance Logging In?" link within the eBanking Sign On box shown above in the upper righthand corner.

Once you have entered the home page for online banking, please click on your credit card account with FedChoice and then click on the "Balance Transfer" tab to complete the process.

Visa® PLATINUM with Rewards

Visa Platinum Rewards Card

  • Rewards! You earn 1 point for every $1 spent. These points can be redeemed to purchase gifts, merchandise, airline tickets, vacation packages, cruises and more!
  • Variable Interest Rate (Based on The Wall Street Journal Prime plus 3.50% to 9.00%).
  • Up to $50,000 Credit Limit.
  • Click here for all the details!

Visa® Gold Card

  • Special, low introductory fixed rate of 2.99% APR for purchases, balance transfers and cash advances. Introductory rate will remain in effect for six billing cycles if the 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.
  • No annual fee
  • No transaction fee for purchases or cash advances
  • Zero Liability policy
  • Many other benefits that only Visa® can offer!

Share Secured Visa®

  • Build your credit history
  • Earn dividends on your share account
  • Low variable annual percentage rate
  • Worldwide service and auto rental collision damage waiver
  • No annual fee
  • No transaction fee for purchases or cash advances

Shop Safely with Visa®

With Verified by Visa, the Visa® Platinum, Gold and Share Secured Cards offer protection against the unauthorized use of your password protected card so you can safely shop online, in a store or anywhere! With a Visa® Zero Liability Policy,** your liability for unauthorized transactions is $0 – you pay nothing.

**Covers U.S. issued cards only. A Visa® Zero Liability Policy does not apply to commercial credit cards or ATM /PIN transactions not processed by Visa.® Notify FedChoice immediately of any unauthorized or fraudulent use.

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! Click here for all of the details.

Report lost or stolen Visa® cards anytime: 800.325.3678.
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.

*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.
The special Visa® Gold Introductory Rates apply 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 rates are not available to members who currently have a FedChoice credit card or have had one in the past three months.

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Start here to apply online.

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

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Visit the nearest Financial Service Center.

Rates at a glance

Fed Choice