Rates - All Types

The following rates are effective on September 1, 2023 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.

If you don’t see what you need, please contact us to discuss how we can help you.
Financing Up to 125% of MSRP or NADA Clean Retail — Including tax, title and warranty products.^{^}
All loans must be current & have satisfactory payment history.
New = never titled and less than 12,000 miles, Used = previously titled.
*APR = Annual Percentage Rate
**APR is based on evaluation of applicant's credit. Your actual APR may vary.
~ New and Used Motorcycle loans are limited to 60 months.
^{^} Other conditions may apply.
⁺Late Model is considered older than 10 model years. Financing up to 100% of NADA Clean Retail - Including tax, title and warranty products. Other conditions may apply.

The following rates are effective on September 1, 2023 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.

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. With HELOC Gold, you have the option to pay Interest Only for the first 10 years.

^§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 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
** APR is based on evaluation of applicant's credit. Your actual APR may vary.

The following rates are effective on September 1, 2023 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.

^†Includes Personal Watercraft and Snowmobiles.

*Annual Percentage Rate.
**APR is based on evaluation of applicant's credit at time of application. Your actual APR may vary. FedChoice Federal Credit Union's normal underwriting requirements apply.

The following rates are effective on September 1, 2023 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.

^† 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.

The following rates are effective on September 1, 2023 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.

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
 

The following rates are effective on September 1, 2023 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.

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

The following rates are effective on September 1, 2023 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.

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary.
Owner-occupied primary residence. 1^st or 2^nd lien, no pre-payment penalty.
^† Borrow $5,000 to $500,000.
^‡ Borrow $10,000 to $500,000.
^{^} 1^st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%.
^± Not applicable to 1^st liens for Smart Choice Home Equity Fixed Rate loans.

The following rates are effective on September 1, 2023 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.

* APR = Annual Percentage Rate. APR is based on evaluation of applicant’s credit at time of application. Actual APR may vary. FedChoice Federal Credit Union’s normal underwriting requirements apply.
^~ Cash advances and transfers do not qualify for Platinum Rewards points. Points can be redeemed for a variety of travel and merchandise awards, but NOT cash.
~~Cash advances and transfers do not qualify for earning 1.00% Cash Back.
^†† Variable rate is based on The Wall Street Journal Prime plus 3.50% to 9.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.
** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.
^† Variable rate is based on The Wall Street Journal Prime plus 7.00% - rate adjusted semi-annually. Share Secured VISA^® requires a deposit of 110% of credit limit.

Rates reflect dividends for July 1, 2023 to September 30, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

§Dividends Compounded and Credited: Quarterly
Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement.

^For High Yield Checking accounts, you may qualify for higher dividend rate and annual percentage yield if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements you must; a) make 15 debit card transactions totaling $500.00 that post and settle your account; and b) be enrolled to receive eStatements. The monthly qualification cycle is defined as the beginning of the month to the last day of the month. All debit card transactions must post and settle to your account during the monthly qualifications cycle to qualify for higher dividend rate and annual percentage yield. You will not receive dividends on any balance greater than $10,000.00 or if you do not meet the minimum qualification requirements. Rate subject to change after account opening. Dividends are paid monthly. 

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Member Care Center to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Coverdell ESA Share Account rates reflect dividends for July 1, 2023 to September 30, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Financial Advisory Center at 301.699.6151/800.969.6151.

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Coverdell ESA Share Certificate rates reflect dividends for September 1, 2023 to September 30, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Financial Advisory Center at 301.699.6151/800.969.6151.

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Rates reflect dividends for the period of July 1, 2023 to September 30, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Term Individual Retirement Account rates reflect dividends for July 1, 2023 to September 31, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Financial Advisory Center at 301.699.6151/800.969.6151.

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

Please keep in mind, if you open a FedChoice checking account after the certificate was opened, the higher dividend rate will only apply when the certificate renews. Similarly, if you already have a FedChoice checking account and FedChoice certificates, the new higher dividend rate will only apply once the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Rates reflect dividends for the period of September 1, 2023 -  September 31, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

Dividends Compounded and Credited: Monthly
Balance Method: Average Daily Balance, Limitations: Refer to Membership and Account Agreement including Disclosures.
*Fees: Refer to Service Fees.

^†Earn More Money Market = FedChoice Federal Credit Union checking account with Money Market - Money Market earns an extra .10% BONUS

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration(NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Rates reflect dividends for July 1, 2023 to September 30th, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

Dividends Compounded and Credited Quarterly. 

Minimum Balance For Dividends: $50.00 Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement.

^†Holiday Club accounts mature October 31st of each year. Funds will transfer to the account that you have specified.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Rates reflect dividends for the period of September 1, 2023 - September 30, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

Term Certificate accounts may be subject to penalties for early withdrawal.

*Rates quoted as Annual Percentage Yield (APY). Any APY provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

^{^} Not available for the Earn More rate even if the account has an associated checking account. Limited to one per member. This 11 month Share Certificate must be opened with funds not on deposit at FedChoice (defined as not having been at FedChoice in the last 30 days). FedChoice Federal Credit Union reserves the right to discontinue this offer without further notice to you. 

Please keep in mind, if you open a FedChoice checking account after the certificate was opened, the higher dividend rate will only apply when the certificate renews. Similarly, if you already have a FedChoice checking account and FedChoice certificates, the new higher dividend rate will only apply once the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.