What are the current interest rates at FedChoice Federal Credit Union?

Current rates for FedChoice Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.10%, 24-Month CD: 3.35%, 60-Month CD: 2.75%, Savings: 0.20%, MMA: 0.80%

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FedChoice Federal Credit Union

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FedChoice Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FedChoice Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

FedChoice Federal Credit Union's 13 month CD rates are at 4.10%, 13 month CD rates are at 4.10%, 11 month CD rates are at 4.00%, 11 month CD rates are at 4.00%, 12 month Regular rates are at 3.50%. FedChoice Federal Credit Union's savings rates are at 0.20%. FedChoice Federal Credit Union's money market rates are at 0.80%. FedChoice Federal Credit Union's Personal Loan Rates are as low as 9.25%. FedChoice Federal Credit Union's Credit Card Rates are at 10.00%. MonitorBankRates evaluates the financial stability of FedChoice Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.79%. Rates last updated and verified on 09/20/2026.

FedChoice Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FedChoice Federal Credit Union? Share your experience about FedChoice Federal Credit Union by leaving a review below, or read customer reviews before you decide to use FedChoice Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.79%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

FedChoice Federal Credit Union
FedChoice FCU

10001 Willowdale Rd
Lanham, MD 20706-4321

https://www.fedchoice.org

FedChoice Federal Credit Union CD Rates

Product	Rate	APY	Term
13 month Share Certificate	-	4.10%	13 Months
Min Deposit $500 Details FedPerks APY: N/A. Limited to two per member. Maximum allowed balance is $250,000. A penalty will be imposed for early withdrawals. Dividends are posted quarterly. At the time of renewal, if the value is $49,999.99 or under, the certificate will renew into a 12 month Share Certificate and by subject to the rate available at that time. If the value is $50,000.00 or more, it will renew into a 12 month Mini-Jumbo Share Certificate and be subject to the rate available at that time. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
13 month Share Certificate	-	4.10%	13 Months
Min Deposit $50,000 Details FedPerks APY: N/A. Limited to two per member. Maximum allowed balance is $250,000. A penalty will be imposed for early withdrawals. Dividends are posted quarterly. At the time of renewal, if the value is $49,999.99 or under, the certificate will renew into a 12 month Share Certificate and by subject to the rate available at that time. If the value is $50,000.00 or more, it will renew into a 12 month Mini-Jumbo Share Certificate and be subject to the rate available at that time. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
11 month Share Certificate	-	4.00%	11 Months
Min Deposit $500 Details FedPerks APY: N/A. Limited to two per member. Maximum allowed balance is $250,000. A penalty will be imposed for early withdrawals. Dividends are posted quarterly. At the time of renewal, if the value is $49,999.99 or under, the certificate will renew into a 12 month Share Certificate and by subject to the rate available at that time. If the value is $50,000.00 or more, it will renew into a 12 month Mini-Jumbo Share Certificate and be subject to the rate available at that time. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
11 month Share Certificate	-	4.00%	11 Months
Min Deposit $50,000 Details FedPerks APY: N/A. Limited to two per member. Maximum allowed balance is $250,000. A penalty will be imposed for early withdrawals. Dividends are posted quarterly. At the time of renewal, if the value is $49,999.99 or under, the certificate will renew into a 12 month Share Certificate and by subject to the rate available at that time. If the value is $50,000.00 or more, it will renew into a 12 month Mini-Jumbo Share Certificate and be subject to the rate available at that time. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
12 month Regular	-	3.50%	12 Months
Min Deposit $500 Details FedPerks APY: 3.75% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
24 month Regular	-	3.35%	24 Months
Min Deposit $500 Details FedPerks APY: 3.60% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
36 month Regular	-	3.15%	36 Months
Min Deposit $500 Details FedPerks APY: 3.40% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
18 month Regular	-	3.10%	18 Months
Min Deposit $500 Details FedPerks APY: 3.35% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
6 month Regular	-	3.00%	6 Months
Min Deposit $500 Details FedPerks APY: 3.25% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
48 month Regular	-	2.90%	48 Months
Min Deposit $500 Details FedPerks APY: 3.15% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
60 month Regular	-	2.75%	60 Months
Min Deposit $500 Details FedPerks APY: 3.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

FedChoice Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	-	0.20%
Min Deposit $0 Min Balance $50 Details Holiday Club accounts mature October 31st of each year. Funds will transfer to the account that you have specified. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. Dividends Compounded and Credited Quarterly. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Main Share Savings	-	0.20%
Min Deposit $5 Min Balance $50 Details Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. Dividends Compounded and Credited Quarterly. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Special Savings Account	-	0.20%
Min Deposit $0 Min Balance $50 Details Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. Dividends Compounded and Credited Quarterly. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

FedChoice Federal Credit Union Money Market Rates

Product	Rate	APY
Money Markets	-	1.25%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.01 & Over; FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Markets	-	1.15%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.01 & Over; FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Markets	-	1.00%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.01 to $100,000.00; FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Markets	-	0.95%
Min Deposit $20,000 Min Balance $20,000 Details Balance: $20,000.01 to $50,000.00; FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Markets	-	0.90%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.01 to $100,000.00; FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Markets	-	0.90%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1500.00 to $20,000.00; FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Markets	-	0.85%
Min Deposit $20,000 Min Balance $20,000 Details Balance: $20,000.01 to $50,000.00; FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Money Markets	-	0.80%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1500.00 to $20,000.00; FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

FedChoice Federal Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	-	4.00%
Min Balance $0 Details Qualifications Required; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Premium Checking	-	0.15%
Min Balance $1,500 Details Dividends Compounded and Credited: Quarterly Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

FedChoice Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Classic (90% CLTV)o	-	-	6.25%	Revolving
Details As Low As; 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. On average, closing costs may vary depending upon the amount of the loan, terms, property value, etc. Consult your tax advisor regarding the ability to deduct interest and charges. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity Gold (90% CLTV)o	-	-	6.75%	Revolving
Details As Low As; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity 5 Year (80% LTV)	-	-	7.00%	60 months
Details Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. Borrow $5,000 to $500,000. 1st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%. As Low As; APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity 10 Year (80% LTV)	-	-	7.25%	120 months
Details Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. Borrow $10,000 to $500,000. 1st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%. As Low As; APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity 5 Year (90% CLTV)	-	-	7.25%	60 months
Details Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. Borrow $5,000 to $500,000. Not applicable to 1st liens for Smart Choice Home Equity Fixed Rate loans. As Low As; APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity 15 Year (80% LTV)	-	-	7.50%	180 months
Details Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. Borrow $10,000 to $500,000. 1st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%. As Low As; APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity 20 Year (80% LTV)	-	-	7.50%	240 months
Details Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. Borrow $10,000 to $500,000. 1st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%. As Low As; APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity 10 Year (90% CLTV)	-	-	9.50%	120 months
Details Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. Borrow $10,000 to $500,000. Not applicable to 1st liens for Smart Choice Home Equity Fixed Rate loans. As Low As; APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity 15 Year (90% CLTV)	-	-	9.75%	180 months
Details Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. Borrow $10,000 to $500,000. Not applicable to 1st liens for Smart Choice Home Equity Fixed Rate loans. As Low As; APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Home Equity 20 Year (90% CLTV)	-	-	9.75%	240 months
Details Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. Borrow $10,000 to $500,000. Not applicable to 1st liens for Smart Choice Home Equity Fixed Rate loans. As Low As; APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

FedChoice Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	4.50%	up to 60 mos.
Details Loan Amount: $5,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
New Vehicles Loan	-	-	4.75%	61 to 72 mos.~
Details Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
New Vehicles Loan	-	-	5.75%	73 to 84 mos.
Details Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Leisure Vehicle Loan	-	-	8.00%	up to 84 mos.
Details 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. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Leisure Vehicle Loan	-	-	9.25%	85 to 120 mos.
Details 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. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Leisure Vehicle Loan	-	-	9.75%	121 to 144 mos.
Details 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. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

FedChoice Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa FedStart Card	-	10.00%
Details Published APR range: 10.00%-18.00%. Low Fixed Rate; Based on evaluation of applicant's credit at time of application.; Credit Limit: $500; You have 27 days to repay your balance before being charged a finance charge. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Visa PLATINUM with Rewards	-	10.25%
Details Earn 1 point for every $1 you spend; 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.; Credit Limit: $500 to $50,000; You have 27 days to repay your balance before being charged a finance charge.; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Signature Visa Cash Back Credit Card	-	13.25%
Details Earn 2.00% Cash Back for every $1 you spend!; 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.; Credit Limit: $5,000 to $35,000; You have 27 days to repay your balance before being charged a finance charge.; Cash advances and transfers do not qualify for earning 2.00% Cash Back. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

FedChoice Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.25%	up to 36 months
Details Loan Amount: $500 min Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Signature Loan	11.25%	37 to 60 months
Details Loan Amount: $2,000 min Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Signature Visa Cash Back Credit Card	13.25%
Details Earn 2.00% Cash Back for every $1 you spend!; 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.; Credit Limit: $5,000 to $35,000; You have 27 days to repay your balance before being charged a finance charge.; Cash advances and transfers do not qualify for earning 2.00% Cash Back. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

FedChoice Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Instant Line-of-Credit (variable) Loan	-	-	10.25%
Details Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Instant Line-of-Credit Loan	-	-	10.25%
Details Rate: Prime + 4%; Variable; Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Coverdell ESA Share Account	-	-	0.25%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 to $1,500.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Coverdell ESA Share Account	-	-	0.35%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500.01 to $20,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Coverdell ESA Share Account	-	-	0.45%
Min Deposit $20,000 Min Balance $20,000 Details Balance: $20,000.01 and above Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Coverdell ESA Share Certificate - 18 Month	-	-	3.10%	18 Month
Min Deposit $250 Details FedPerks APY: 3.35%. The FedPerks APY is applied to certificates when a member is a FedPerks Member. FedPerks Membership is earned each month and will be valid for the month earned and the following month. If you are not a FedPerks Member, the lower "standard" rate will apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Coverdell ESA Share Certificate 18 Month	-	-	3.10%	18 Month
Min Deposit $250 Details FedPerks APY: 3.35% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
FedPerks	-	-	0.90%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1500.00 to $20,000.00; FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
FedPerks	-	-	0.95%
Min Deposit $20,000 Min Balance $20,000 Details Balance: $20,000.01 to $50,000.00; FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
FedPerks	-	-	1.00%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.01 to $100,000.00; FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
FedPerks	-	-	1.25%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.01 & Over; FedPerks Members earn an .10% bonus when they are part of the program. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
IRA Share Account	-	-	0.25%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 to $1,500.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
IRA Share Account	-	-	0.35%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500.01 to $20,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
IRA Share Account	-	-	0.45%
Min Deposit $20,000 Min Balance $20,000 Details Balance: $20,000.01 and above Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Roth IRA	-	-	3.10%	18 Month Roth IRA
Min Balance $500 Details Balance: $500 Minimum Opening Balance; FedPerks APY**: 3.35% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Roth IRA	-	-	2.75%	60 Month Roth IRA
Min Balance $500 Details Balance: $500 Minimum Opening Balance; FedPerks APY**: 3.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Roth IRA	-	-	3.10%	18 Month Roth IRA
Min Deposit $500 Details FedPerks APY: 3.35% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Roth IRA	-	-	2.75%	60 Month Roth IRA
Min Deposit $500 Details FedPerks APY: 3.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Roth IRA Mini-Jumbo	-	-	3.15%	18 Month
Min Balance $50,000 Details Balance: $50,000 Minimum Opening Balance; Term: 18 Month Roth IRA Mini-Jumbo; FedPerks APY**: 3.40% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Roth IRA Mini-Jumbo	-	-	2.80%	60 Month
Min Balance $50,000 Details Balance: $50,000 Minimum Opening Balance; Term: 60 Month Roth IRA Mini-Jumbo; FedPerks APY**: 3.05% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Roth IRA Mini-Jumbo	-	-	3.15%	18 Month
Min Deposit $50,000 Details Term: 18 Month Roth IRA Mini-Jumbo; FedPerks APY: 3.40% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Roth IRA Mini-Jumbo	-	-	2.80%	60 Month
Min Deposit $50,000 Details Term: 60 Month Roth IRA Mini-Jumbo; FedPerks APY: 3.05% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
SEP IRA	-	-	3.10%	18 Month SEP IRA
Min Balance $500 Details Balance: $500 Minimum Opening Balance; FedPerks APY**: 3.35% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
SEP IRA	-	-	2.75%	60 Month SEP IRA
Min Balance $500 Details Balance: $500 Minimum Opening Balance; FedPerks APY**: 3.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
SEP IRA	-	-	3.10%	18 Month SEP IRA
Min Deposit $500 Details FedPerks APY: 3.35% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
SEP IRA	-	-	2.75%	60 Month SEP IRA
Min Deposit $500 Details FedPerks APY: 3.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
SEP IRA Mini-Jumbo	-	-	3.15%	18 Month
Min Balance $50,000 Details Balance: $50,000 Minimum Opening Balance; Term: 18 Month SEP IRA Mini-Jumbo; FedPerks APY**: 3.40% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
SEP IRA Mini-Jumbo	-	-	2.80%	60 Month
Min Balance $50,000 Details Balance: $50,000 Minimum Opening Balance; Term: 60 Month SEP IRA Mini-Jumbo; FedPerks APY**: 3.05% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
SEP IRA Mini-Jumbo	-	-	3.15%	18 Month
Min Deposit $50,000 Details Term: 18 Month SEP IRA Mini-Jumbo; FedPerks APY: 3.40% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
SEP IRA Mini-Jumbo	-	-	2.80%	60 Month
Min Deposit $50,000 Details Term: 60 Month SEP IRA Mini-Jumbo; FedPerks APY: 3.05% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Traditional IRA	-	-	3.10%	18 Month IRA
Min Balance $500 Details Balance: $500 Minimum Opening Balance; FedPerks APY**: 3.35% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Traditional IRA	-	-	2.75%	60 Month IRA
Min Balance $500 Details Balance: $500 Minimum Opening Balance; FedPerks APY**: 3.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Traditional IRA	-	-	3.10%	18 Month IRA
Min Deposit $500 Details FedPerks APY: 3.35% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Traditional IRA	-	-	2.75%	60 Month IRA
Min Deposit $500 Details FedPerks APY: 3.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Traditional IRA Mini-Jumbo	-	-	3.15%	18 Month
Min Balance $50,000 Details Balance: $50,000 Minimum Opening Balance; Term: 18 Month IRA Mini-Jumbo; FedPerks APY**: 3.40% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Traditional IRA Mini-Jumbo	-	-	2.80%	60 Month
Min Balance $50,000 Details Balance: $50,000 Minimum Opening Balance; Term: 60 Month IRA Mini-Jumbo; FedPerks APY**: 3.05% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Traditional IRA Mini-Jumbo	-	-	3.15%	18 Month
Min Deposit $50,000 Details Term: 18 Month IRA Mini-Jumbo; FedPerks APY: 3.40% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%
Traditional IRA Mini-Jumbo	-	-	2.80%	60 Month
Min Deposit $50,000 Details Term: 60 Month IRA Mini-Jumbo; FedPerks APY: 3.05% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.79%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

FedChoice Federal Credit Union’s Texas Ratio rose from 4.55% in Q2 2023 to 8.79% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$503M	8.79%	5.0	A
December 31, 2025	$491M	9.36%	5.0	A
September 30, 2025	$447M	7.62%	5.0	A
June 30, 2025	$447M	7.58%	5.0	A
March 31, 2025	$452M	9.11%	5.0	A
December 31, 2024	$436M	11.08%	5.0	A
September 30, 2024	$440M	11.56%	5.0	A
June 30, 2024	$431M	12.36%	5.0	A
March 31, 2024	$438M	12.67%	5.0	A
December 31, 2023	$432M	6.88%	5.0	A
September 30, 2023	$430M	6.16%	5.0	A
June 30, 2023	$431M	4.55%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for FedChoice Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather FedChoice Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FedChoice Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FedChoice Federal Credit Union

Website https://www.fedchoice.org

Address 10001 Willowdale Rd, Lanham, MD 20706-4321

Phone 301-699-6100

Fax

President Arthur Altman

CEO Brett Noll

Full-Time Employees 81

Part-Time Employees 0

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.79%

Return on Assets (ROA)

0.1216%

Return on Equity (ROE)

1.3991%

Non-Performing Loans Ratio (NPL)

1.23%

Total Assets

503,364,289

Total Amount of Shares and Deposits

428,404,757

Total Shares and Deposits < 1 Year

393,712,577

Total Shares and Deposits 1 3 Years

31,384,978

Total Shares and Deposits > 3 Years

3,307,203

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

49,518,015

Total Uninsured Shares and Deposits > $250K (F+J)

49,518,015

Total Insured Shares and Deposits > $250K (item 17 less item K)

378,886,742

Total Interest Expense (Sum of items 6 8)

1,350,092

Share Certificates

1,946

Number of Accounts for Share Drafts

12,495

IRA KEOGH Accounts

566

Number of Accounts for Regular Shares

32,150

Non Member Deposits

Money Market Shares

1,749

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

39,797,638

Total Liabilities

463,463,713

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

FedChoice Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for FedChoice Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for FedChoice Federal Credit Union

Frequently Asked Questions About FedChoice Federal Credit Union

How many branches does FedChoice Federal Credit Union operate?

FedChoice Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join FedChoice Federal Credit Union?

Yes, to access services at FedChoice Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, FedChoice Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FedChoice Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does FedChoice Federal Credit Union offer online and mobile banking?

Most modern institutions like FedChoice Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fedchoice.org.

Current FedChoice Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.10%
24-Month CD3.35%
60-Month CD2.75%
Savings0.20%
MMA0.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

FedChoice Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FedChoice Federal Credit Union Texas Ratio

FedChoice Federal Credit Union Health Trend

FedChoice Federal Credit Union CD Rates

FedChoice Federal Credit Union Savings Rates

FedChoice Federal Credit Union Money Market Rates

FedChoice Federal Credit Union Checking Rates

FedChoice Federal Credit Union Home Equity & HELOC

FedChoice Federal Credit Union Auto Loan Rates

FedChoice Federal Credit Union Credit Card Rates

FedChoice Federal Credit Union Personal Loan Rates

FedChoice Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

FedChoice Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FedChoice Federal Credit Union

How many branches does FedChoice Federal Credit Union operate?

Is a member application needed to join FedChoice Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FedChoice Federal Credit Union offer online and mobile banking?

Current FedChoice Federal Credit Union Rates

Compare to Other Credit Unions