Whether you’re buying your first home or upgrading to your dream house, FedChoice has you covered with tools that give you a firm foundation, no matter what the housing market is doing.

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Additional perks:
  •  Online loan consultant to help find the product and rate that matches your needs
  •  Financial calculators to help you save, borrow, buy a home, and plan for retirement
  •  Greenpath financial wellness programs and webinars
  •  Insurance options for your home, federal career, and more
  •  A free credit report and review with a certified credit counselor


Let's talk about the options that are best for you.

Drop us a note online or call the Real Estate Department today: 301.699.6126.

We look forward to helping you buy a home.


1 95% financing for condos. Mortgage: Rates and terms based on credit criteria; your rate may differ. All loans subject to credit approval. Fixed-Rate Loans: The interest rate charged and the APR are constant for the life of the loan. There are still certain costs such as mortgage points, appraisal, title, and loan processing fees, etc. associated with "no money down"/100% financing mortgage loans. Members should consult a tax advisor for information regarding the deductibility of interest and charges.

Minimum/Maximum Refinance Loan Amount: The minimum refinance loan amount of $150,000. Maximum loan amounts are determined by your county's conforming loan limit. Finance charges begin on the date the loan is made. Interest will continue to accrue until the first payment has been received, which is due within 30 days of settlement but subject to change. Payment Example: Assuming a $250,000 loan amount, a 30-year term, and a mortgage rate of 5.625% (5.873% APR), you would make 360 monthly payments of $1,439.14. Mortgage examples do not include amounts for taxes, insurance premiums, etc. Therefore, the actual payment obligation will be greater. Offer subject to change without notice. Consumer mortgage loans only. FedChoice NMLS # 399841 provides mortgage loans by partnership with myCUmortgage, LLC. NMLS # 565434.

Variable rate for the Gold Home Equity Line-of-Credit 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.  Not all applicants will qualify for the lowest rate. 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. The amount borrowed for renovation together with any other mortgages cannot exceed 90% of the after-renovation property value on 1-to-4 family owner-occupied primary properties. Among the ineligible property types are investment properties (defined as non-owner-occupied), co-ops, mobile homes, and manufactured houses. Homeowners property insurance is required. Flood insurance may be required. Fees and charges may apply. Membership eligibility is required.