The following navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows move through main tier links and expand / close menus in sub tiers. Up and Down arrows will open main tier menus and toggle through sub tier links. Enter and space open menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.
The following rates are effective on May 1, 2021 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.
Calculate Loan Payments
CLTV = Combined Loan to Value.
†Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. The Gold Home Equity Line-of-Credit is subject to a floor of 3.50% APR.
§Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. The Classic Home Equity Line-of-Credit is subject to a floor of 3.50% APR.
oOn average, closing costs are approximately $1,000 but may vary depending upon the amount of the loan, terms, property value, etc. Consult your tax advisor regarding the deductibility of interest and charges.
* Annual Percentage Rate.
Owner-occupied primary residence only. 1st or 2nd lien, no pre-payment penalty.
† Borrow $5,000 to $250,000.
‡ Borrow $10,000 to $250,000.
^ 1st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%.
± Not applicable to 1st liens for Smart Choice Home Equity Fixed Rate loans.
Start Your Application Online NOW!
*Applying for a loan as a nonmember also submits a membership application. You must be a member of FedChoice to receive a loan from us. Review membership criteria here.
Call us at +1-301-699-6151 / +1-800-969-6151
to apply over the phone.
Visit the nearest Financial Service Center
to apply in person!