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Fedchoice Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchases | from 13.50% variableFEDCHOICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | NoneFEDCHOICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | $0, No cash advance feeFEDCHOICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | $0, No balance transfer feeFEDCHOICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| APR qualificationsPurchase · Regular | ** 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.FEDCHOICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 2% cash back. Payment timing is not disclosed. Earn 2.00% Cash Back for every $1 you spend!~~FEDCHOICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cashback qualificationsCash back | ~~Cash advances and transfers do not qualify for earning 2.00% Cash Back.FEDCHOICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 2% cash back. Payment timing is not disclosed. Earn 2% back on all of your spendingFEDCHOICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |