Go to main content FedChoice Federal Credit Union
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The Credit Union Advantage

Banks exist to make money for their stockholders. It’s what they do. And they’re good at it. In other words, the bank works for them. Not for you.

We’re a different animal altogether. A Credit Union exists to help its members (that’s you) get the best deals on loans and savings. That’s what we do. And we’re very good at it. We’re owned by our members (you again). We work for you.

So even though we do everything banks do, like checking, online bill pay, wire transfers, you name it, we’re not a bank. We’re altogether better.

Better is better, right? That’s the whole idea: banking that’s altogether better than banks. When a bank makes a profit, they keep it. When we make a profit, it goes back to you in the form of better rates and lower fees. Let’s see a bank do that!

And when it comes to saying yes, well, we’re the home of yes. For over 75 years we doubt anyone has said yes as much as we have. Can a bank say that? No.


We serve nearly 25,000 members and we’re still growing. Our membership includes people who share a common bond, within a specific geographic region.

Those people are people like you – all federal civilian employees and their family and household members. And that includes retirees, annuitants and pensioners. And their families!

The area is big – the entire Washington, D.C./Baltimore/Philadelphia metro areas. And for a Credit Union, bigger is better. Every new member makes the Credit Union stronger. And once you’re in, you’re in. Membership is life-long.

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Many Locations To Serve You

As part of the Credit Union Shared Branching Network, you can use any Shared Branch across the country. So whenever you need to see a live person, you have ready access to over 5,000 Credit Union Shared Branch locations throughout the United States and even overseas.

And it gets better. You also get easy access to over 60,000 surcharge-free ATMs worldwide, including those at Allpoint and CO-OP networks at major discount retailers, convenience, grocery, pharmacy stores and more.

Our headquarters Financial Service Center is conveniently located in Lanham, MD, just minutes off the Beltway. In addition, we have Financial Service Centers inside these federal buildings: ATF, Brentwood USPS Facility, IRS National, New Carrollton and Philadelphia Office Buildings.

As a member, no matter where you go, you’ll always have quick and easy access to your money.

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Our FedChoice employees are happy people. That’s because they enjoy what they do – serving you, the member.

Because you’re a member and not an account number, we take a more personalized approach to meeting your financial needs. If you’re not comfortable with your loan re-payment schedule, we’ll tailor a plan that better fits your needs. Prefer direct deposit? Done.

Here’s another reason why we’re altogether better: FedChoice now offers Excess Share Insurance. Each deposit holder has insurance coverage on their money, up to $500,000!