Personal Loans


When Reliability Matters

Getting caught with less money than anticipated is on the mind of most federal civilian employees these days. Sequestration, furloughs and pay freezes have been, and will most likely continue to be with us for quite some time. FedChoice is a financial partner ready to step in and assist with your borrowing needs so life can still be lived to its fullest, even during periods of uncertainty.

Personal Loans

Live life on your terms.

Whether it’s a well-deserved getaway, a larger purchase, things like educational expenses or especially a job-related setback, FedChoice can get you the money you need quickly and affordably. After all, our members are also part owners, and receive lower interest rates on loans compared to other financial institutions or retail credit cards.

Signature Loans

Whatever the reason, a Signature Loan from FedChoice means quick cash. We offer competitive terms and rates to fit your specific needs. Applying is easy when you use our online application.

  • Borrow from $500 to $35,000
  • Fixed rates – up to 60-month terms
  • Borrow for any personal need

See rates for terms, minimums and other qualifications.

Share Secured Loans

A Share Secured Loan is almost like borrowing from yourself! Keep your savings intact and continue to earn dividends while paying a lower rate for financing compared to other Personal Loans.

Additional benefits for members with individual needs include:

  • Restore Credit Problems – We realize that some of our members have experienced some difficulty with their credit in the past. Let us help you get back on track.
  • Build Credit – If you’re new to borrowing, a Share Secured Loan can help you build a healthy credit score.

Instant Access Line-of-Credit And Overdraft Protection

Have an ongoing expense, like education, or just want the peace of mind knowing you have extra funds already available? With the FedChoice Instant Access Line-Of-Credit or Overdraft Protection, you’ll have up to $20,000 to spend should you need it! Funds from your line-of-credit transfer easily and cover your checking accounts, too. No more insufficient funds fees! Features include:

  • Variable Interest Rate
  • Credit Limit from $300 to $20,000

See rates for terms, minimums and other qualifications.

Add Debt Protection

Don’t let an unexpected change put your family’s finances at risk. Debt Protection covers your monthly loan payments in the event of death, disability or involuntary unemployment. Add this low-cost coverage to your FedChoice Personal Loan today! Click here for all of the details.




Click the Apply Now! Button
to Start Your Loan Application

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Call us at +1-301-699-6151 / +1-800-969-6151
to apply over the phone.

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Visit the nearest Financial Service Center
to apply in person!

Rates at a glance

Fed Choice