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Rates at a glance

Home Equity Loan

  • Borrow $5,000 to $250,000
  • 5, 10 and 15 year options
  • 80% LTV+ for 1st liens.††
  • 80% and 90% CLTV* options for 2nd liens.
  • No pre-payment penalty
  • Fixed Rate
  • Interest may be tax deductible!^

Owner-occupied - primary residence only. 

The Smart Choice Home Equity Loan and the HELOC must be secured by the owner-occupied primary residence.. Homeowner’s insurance is required. All loans are subject to credit approval.
+ LTV = Loan to Value.
†† 1st Lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum value of 80%.
* CLTV = Combined Loan to Value.
The statements above should not be relied upon without the advice of a Professional Tax Advisor. Interest payments on this loan may be tax deductible depending upon the facts and circumstances. This is not intended to be tax advice.

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*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.

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Start Your Application Online NOW!

Not_A_Member_Apply_Here_Button

*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.

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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!

Fed Choice