Credit union · NCUA insured
FedChoice Federal Credit Union Credit Card Rates
FedChoice Federal Credit Union credit cards start at 10.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How FedChoice Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FedChoice Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
FedChoice Federal Credit Union
10.00%APR
- Up to
- 18.00% APR
Visa FedStart Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
FedChoice Federal Credit Union credit card score
81
Credit card score
Higher than 57% of U.S. banks and credit unions
- Purchase APRPurchase APR10.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FedChoice Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa FedStart Card
Designed for new federal employees and contractors; member must be employed by a federal agency (verification of employment and required amount of disposable income required). No minimum credit score requirement. Credit line is $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00%–18.00% | None | Regular Fixed Rate 10.00%--18.00% APR based on evaluation of applicant's credit at time of application. $500 credit limit. 27-day grace period for purchases. No annual fee, balance transfer fee, or cash advance fee. |
Sources (3)
- fedchoice.org/all-credit-cards
- fedchoice.org/all-credit-cards…-fedchoices-credit-cards
- fedchoice.org/visa-fedstart-credit-card
All captured Oct 15, 2026
Visa Platinum with Rewards
Must be a FedChoice member. Credit limit from $500 to $50,000. Earns ScoreCard reward points on spending (cash advances and transfers excluded). Variable rate based on WSJ Prime plus 3.50% to 9.00% adjusted monthly depending on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.50% | None | Variable Rate As low as 10.50% APR 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. 27-day grace period for purchases. No annual fee, balance transfer fee, or cash advance fee. |
Sources (3)
- fedchoice.org/all-credit-cards
- fedchoice.org/all-credit-cards…-fedchoices-credit-cards
- fedchoice.org/visa-platinum-rewards-credit-card
All captured Oct 15, 2026
Visa Share Secured
Must be a FedChoice member. Requires a savings deposit of 110% of credit limit in Main Share account. Credit limit $300 to $5,000. Variable rate based on WSJ Prime plus 7.00% adjusted semi-annually.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00% | None | Variable Rate currently at 14.00% APR based on The Wall Street Journal Prime plus 7.00% (adjusted semi-annually). Requires a deposit of 110% of credit limit. Credit limit $300 to $5,000. 27-day grace period for purchases. No annual fee, transaction fee for purchases, balance transfer fee, or cash advance fee. |
Sources (3)
- fedchoice.org/all-credit-cards
- fedchoice.org/all-credit-cards…-fedchoices-credit-cards
- fedchoice.org/visa-share-secured-card
All captured Oct 15, 2026
Visa Signature Cash Back Credit Card
Must be a FedChoice member. Requires minimum credit limit of $5,000 up to $35,000. Earn 2% cash back on spending. Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00% (adjusted monthly). Cash advances and transfers do not qualify for cash back.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | Variable Rate As low as 13.50% APR 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. 27-day grace period for repayment of balance for purchases. No annual fee, balance transfer fee, or cash advance fee. |
Sources (3)
- fedchoice.org/all-credit-cards
- fedchoice.org/all-credit-cards…-fedchoices-credit-cards
- fedchoice.org/visa-cash-back-credit-card
All captured Oct 15, 2026
Who can join FedChoice Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal employees or contractors who work for, are paid by, or are supervised by someone in the Washington, D.C. metro area and work for specified qualifying agencies or associations are eligible for membership.
- FedChoice Federal Credit Union employees, board members, or volunteers are eligible for membership.
Family and household
- Immediate family members (spouse, child [step/adopted], sibling [step/adopted], parent, grandparent, grandchild) of eligible federal employees or contractors are eligible for membership.
- Immediate family members of or individuals permanently residing with a FedChoice Federal Credit Union employee, board member, or volunteer are eligible for membership.
Other ways
- Members of the FedChoice Charitable Foundation are eligible for membership. FedChoice will make a contribution covering membership, or the applicant may make at least a $5 contribution to cover one-time membership dues.
Cost to join
- FedChoice Charitable Foundation membership dues are covered by a contribution made by FedChoice, or applicants may optionally contribute at least $5 via fedchoicegives.org.
Membership information collected October 4, 2026.