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Personal Loan Rates

The following rates are effective on January 1, 2020 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.

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Signature Loans

Signature Loans
Loan Amounts to $35,000
Rate Type	Loan Amount	Term	APR* as low as**
Fixed	$500 min	up to 36 months	8.49%
Fixed	$2,000 min	37 to 60 months	9.49%

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary.

Line-of-Credit

Line-of-Credit
Loan Amounts $300 to $20,000
Loan Type	APR* as low as**
Instant Access Line-of-Credit (variable)^†	8.25%

^† Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly.

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary.

Share Secured Loans

Share Secured Loans
Loan Type	Term	APR*
Share Secured Loan (variable)^†§	up to 84 mos.	3.10%

Amount of shares securing the loan must be in Main Share Savings Account.
^† Rate based on the cost of funds plus 3%. (Cost of funds is the basic savings account dividend rate for balances >= $2,500.00.) Rate adjusted semi-annually.
^§ Minimum loan amount $300.00/Maximum loan amount $50,000.00

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary.

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*Applying for a loan as a nonmember also submits a membership application. You must be a member of FedChoice to have receive a loan with us. Review membership criteria here.