Give Yourself a Raise with Accounts that Pay You Back!
Don't wait around for the next scheduled cost-of-living bump. When everyday expenses trend upward faster than standard adjustments can match, waiting isn't your only option.
FedChoice puts real money back in your pocket right now—freeing up cash flow through smart refinancing and high-reward accounts that actually pay you back.
Smart-rate Lending
- Budget-Boosting Auto Loans - Drive away with up to 1% off your auto loan during the first 90 days when you join as a new member! Plus, enjoy 100% financing and no payments for up to 90 days!6
- More Rewarding Credit Cards - Earn 2% cash back on everyday purchases with 0% transfer fees on balance transfers to help knock down high-rate debt faster.2
- Fee-Free Debt Consolidation Loan - Trade scattered, high-interest balances for one manageable monthly payment. When less of your paycheck goes toward interest, more of it stays where it belongs: working toward your goals.
Savings & Accounts
- Cash Back Checking - Earn money back every time you check out online, pay with your debit card or use your digital wallet.4
- Early Payroll Deposit - Get your direct deposit payroll processed up to two days early.
- High-Yield Share Certificates - Lock in a high rate for a big financial return on your savings.
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$25 Welcome Bonus with FedStart - Get an instant boost just for joining. When you join as a new member, we’ll deposit $25 directly into your Main Share Savings to cover your opening par value and start you off ahead.³
Why wait around when you could be earning more? Get started with FedChoice today and start saving more, earning more and making your money work harder.
Become a Member & Apply for a Loan
Or, if you'd rather speak with someone, we're just a call away - 301.699.6151. We look forward to serving you.
3Par Value for FedChoice Membership is $5.00. Anyone who joins FedChoice as a new member through FedStart will have $25.00 deposited (bonus), into their Main Share Savings Account. This deposit will cover the par value for joining FedChoice. Par Value is required to earn dividends and avoid maintenance fee charges. New members must meet membership eligibility requirements. The $25.00 bonus will be paid within 21 days of account opening and will be deposited in the Main Share Savings Account. This one time bonus is awarded based on Social Security Number (SSN) of the Primary Account holder. Any new accounts opened under the SSN following the initial account opening will not be eligible for a bonus.
22.00% cash back is based on transactions that are completed with the Cash Back Credit Card from FedChoice excluding Balance Transfers and Cash Advances. Funds will be deposited into member’s checking account every three months. If the member does not have a FedChoice checking account, the deposit will be made to the Main Share savings account. Accrued cash back can be reviewed by registering through scorecardrewards.com. Deposits will be made automatically by FedChoice during the months of January, April, July, and October.
4With Cash Back Checking, the maximum award of .50% cash back (up to $25.00 per monthly qualification cycle) may be earned when 15+ debit transactions are completed. Enrollment to receive eStatements is required to earn cash back. The minimum balance required for all checking and debit accounts is zero ($0.00). Fees could reduce earnings. Refer to the FedChoice Membership and Account Agreement posted on our website for details regarding applicable activity requirements.
6Application and disbursal for Signature Loan will result in up to a 1% discount. Application and disbursal for an Auto Loan will result in up to a 1% discount. Application must be made within the first 90 days of membership. No discount may take the rate under the floor rate in accordance with FedChoice Federal Credit Union’s rate floor policy. All credit is subject to approval. FedChoice normal underwriting requirements apply. This discount may not be combined with any other offers or promotions and is subject to change at any time. Please speak with a Financial Service Advisor for full terms and conditions in relation to this offer. Not everyone will qualify for the lowest loan rates. Final rate will be determined by creditworthiness of the applicant. If including warranty products, financing allowed up to 125% of NADA Clean Retail. Other conditions may apply. Some members may be required to put some funds towards the purchase of their vehicle. FedChoice Federal Credit Union’s normal underwriting requirements apply.