--- title: "Fedchoice Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Fedchoice Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Fedchoice Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/fedchoice" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Fedchoice Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 12 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.662% APR | 6.500% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | | **15/15 ARM - Conforming 1** arm | 6.659% APR | 6.375% | — | Standard | | **7/1 ARM** 7 1 arm | 6.828% APR | 6.250% | — | Standard | | **5/1 ARM** 5 1 arm | 6.932% APR | 6.250% | — | Standard | | **5/5 ARM** 5 5 arm | 6.932% APR | 6.250% | — | Standard | | **3/1 ARM** 3 1 arm | 7.467% APR | 7.750% | — | Standard | Fedchoice Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Fedchoice Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/fedchoice) , verified from [Fedchoice Credit Union's official website](https://www.fedchoice.org/) Best product position **Better than the Maryland median** 30-year fixed mortgage Gap to state best **29 bp** 29 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Maryland markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Maryland median | 29 bp from state best | 41 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Fedchoice Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=fedchoice&state=maryland&code=MD&name=Fedchoice%20Credit%20Union) Loading branch locator… ## About Fedchoice Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 25.7K Assets $503.4M Founded 1935 Locations reported 5 NCUA charter 150 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Library of Congress** ADMIN OFFICE · Hyattsville · MD · 20785-2229 About 1.3 miles away](https://rateapi.dev/credit-unions/district-of-columbia/library-of-congress) [**I B E W 26** Corporate Office · Lanham · MD · 20706 About 1.4 miles away](https://rateapi.dev/credit-unions/maryland/i-b-e-w-26) [**Nasa** Greenbelt · Lanham · MD · 20706-2208 About 2.1 miles away](https://rateapi.dev/credit-unions/maryland/nasa) [**Lafayette** Greenbelt Service Center · Greenbelt · MD · 20770-3403 About 2.4 miles away](https://rateapi.dev/credit-unions/maryland/lafayette) [**Educational Systems** Corporate Office · Greenbelt · MD · 20770 About 2.5 miles away](https://rateapi.dev/credit-unions/maryland/educational-systems) [**W S S C** Reid Temple Branch · Glenn Dale · MD · 20769 About 2.5 miles away](https://rateapi.dev/credit-unions/maryland/w-s-s-c) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Fedchoice Credit Union Membership eligibility from Fedchoice Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Fedchoice Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer United States Internal Revenue Service (IRS), United States Bureau of Alcohol, Tobacco, and Firearms (ATF), United States Tax Court, United States Congress, Joint Committee on Taxation, United States Consumer Product Safety Commission, United States Federal Election Commission (FEC), Institute of Museum and Library Services, National Endowment for the Arts, National Endowment for the Humanities, United States Treasury Department, Internal Revenue Service Center, Senior Executives' Association, Inc., United States Postal Service (USPS) - Association United States Internal Revenue Service (IRS), United States Bureau of Alcohol, Tobacco, and Firearms (ATF), United States Tax Court, United States Congress, Joint Committee on Taxation, United States Consumer Product Safety Commission, United States Federal Election Commission (FEC), Institute of Museum and Library Services, National Endowment for the Arts, National Endowment for the Humanities, United States Treasury Department, Internal Revenue Service Center, Senior Executives' Association, Inc., United States Postal Service (USPS) Verified from [Fedchoice Credit Union's membership page](https://www.fedchoice.org/membership-eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Fedchoice Credit Union Employers 26 · Associations 12 · Family 2 40 published paths to membership, last verified November 8, 2026, quoted from Fedchoice Credit Union’s own published criteria. ### Employers 26 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of United States Internal Revenue Service (IRS) “United States Internal Revenue Service (IRS)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of United States Internal Revenue Service (IRS) - Employee of United States Bureau of Alcohol, Tobacco, and Firearms (ATF) “United States Bureau of Alcohol, Tobacco, and Firearms (ATF)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of United States Bureau of Alcohol, Tobacco, and Firearms (ATF) - Employee of United States Tax Court “United States Tax Court” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of United States Tax Court - Employee of United States Congress, Joint Committee on Taxation “United States Congress, Joint Committee on Taxation” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of United States Congress, Joint Committee on Taxation - Employee of United States Consumer Product Safety Commission “United States Consumer Product Safety Commission” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of United States Consumer Product Safety Commission - Employee of United States Federal Election Commission (FEC) “United States Federal Election Commission (FEC)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of United States Federal Election Commission (FEC) - Employee of The Institute of Museum and Library Services “Institute of Museum and Library Services” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of The Institute of Museum and Library Services - Employee of National Endowment for the Arts “National Endowment for the Arts” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of National Endowment for the Arts - Employee of National Endowment for the Humanities “National Endowment for the Humanities” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of National Endowment for the Humanities - Employee of United States Treasury Department, Internal Revenue Service Center “United States Treasury Department, Internal Revenue Service Center” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of United States Treasury Department, Internal Revenue Service Center - Employee of Senior Executives' Association, Inc. “Senior Executives' Association, Inc.” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of Senior Executives' Association, Inc. - Employee of United States Postal Service “United States Postal Service (USPS)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of United States Postal Service - Employee of FedChoice Federal Credit Union “3. I am a FedChoice Federal Credit Union employee, board member, or volunteer.” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Employee of FedChoice Federal Credit Union - Trustee or board member of FedChoice Federal Credit Union “3. I am a FedChoice Federal Credit Union employee, board member, or volunteer.” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Trustee or board member of FedChoice Federal Credit Union - Contractor of United States Internal Revenue Service (IRS) “United States Internal Revenue Service (IRS)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for United States Internal Revenue Service (IRS) - Contractor of United States Bureau of Alcohol, Tobacco, and Firearms (ATF) “United States Bureau of Alcohol, Tobacco, and Firearms (ATF)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for United States Bureau of Alcohol, Tobacco, and Firearms (ATF) - Contractor of United States Tax Court “United States Tax Court” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for United States Tax Court - Contractor of United States Congress, Joint Committee on Taxation “United States Congress, Joint Committee on Taxation” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for United States Congress, Joint Committee on Taxation - Contractor of United States Consumer Product Safety Commission “United States Consumer Product Safety Commission” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for United States Consumer Product Safety Commission - Contractor of United States Federal Election Commission (FEC) “United States Federal Election Commission (FEC)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for United States Federal Election Commission (FEC) - Contractor of The Institute of Museum and Library Services “Institute of Museum and Library Services” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for The Institute of Museum and Library Services - Contractor of National Endowment for the Arts “National Endowment for the Arts” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for National Endowment for the Arts - Contractor of National Endowment for the Humanities “National Endowment for the Humanities” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for National Endowment for the Humanities - Contractor of United States Treasury Department, Internal Revenue Service Center “United States Treasury Department, Internal Revenue Service Center” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for United States Treasury Department, Internal Revenue Service Center - Contractor of Senior Executives' Association, Inc. “Senior Executives' Association, Inc.” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for Senior Executives' Association, Inc. - Contractor of United States Postal Service “United States Postal Service (USPS)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Contractor for United States Postal Service ### Associations 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of United States Internal Revenue Service (IRS) “United States Internal Revenue Service (IRS)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of United States Internal Revenue Service (IRS) - Member of United States Bureau of Alcohol, Tobacco, and Firearms (ATF) “United States Bureau of Alcohol, Tobacco, and Firearms (ATF)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of United States Bureau of Alcohol, Tobacco, and Firearms (ATF) - Member of United States Tax Court “United States Tax Court” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of United States Tax Court - Member of United States Congress, Joint Committee on Taxation “United States Congress, Joint Committee on Taxation” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of United States Congress, Joint Committee on Taxation - Member of United States Consumer Product Safety Commission “United States Consumer Product Safety Commission” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of United States Consumer Product Safety Commission - Member of United States Federal Election Commission (FEC) “United States Federal Election Commission (FEC)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of United States Federal Election Commission (FEC) - Member of Institute of Museum and Library Services “Institute of Museum and Library Services” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of Institute of Museum and Library Services - Member of National Endowment for the Arts “National Endowment for the Arts” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of National Endowment for the Arts - Member of National Endowment for the Humanities “National Endowment for the Humanities” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of National Endowment for the Humanities - Member of United States Treasury Department, Internal Revenue Service Center “United States Treasury Department, Internal Revenue Service Center” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of United States Treasury Department, Internal Revenue Service Center - Member of Senior Executives' Association, Inc. “Senior Executives' Association, Inc.” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of Senior Executives' Association, Inc. - Member of United States Postal Service (USPS) “United States Postal Service (USPS)” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Member of United States Postal Service (USPS) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “2. I have an immediate family * member who is a federal employee or contractor. They work for, are paid by, or supervised by someone in the Washington, D.C. metro area, and they work for one of the aforementioned agencies or associations.” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Family member (immediate family) of a member - Family of someone eligible immediate family, household member “4. I am an immediate family member of or permanently reside with a FedChoice Federal Credit Union employee, board member, or volunteer.” > [source ↗](https://www.fedchoice.org/membership-eligibility) - Family member (immediate family, household member) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Fedchoice Credit Union? Yes No ## Work at Fedchoice Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Fedchoice Credit Union ranks against Maryland peers. - See which AI assistants fetched Fedchoice Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maryland - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=fedchoice&state=maryland&code=MD&name=Fedchoice%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Fedchoice Credit Union offer? Fedchoice Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Fedchoice Credit Union rates updated? RateAPI verifies Fedchoice Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Fedchoice Credit Union's rate data? Rate data is collected directly from Fedchoice Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Fedchoice Credit Union's mortgage rate? As of November 12, 2026, Fedchoice Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Fedchoice Credit Union? Fedchoice Credit Union publishes its membership criteria on its own website. RateAPI tracks 40 published membership paths covering 26 employers and 12 associations for Fedchoice Credit Union, each quoted from Fedchoice Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Fedchoice Credit Union's rates against national credit-union benchmarks. [More Maryland credit unions](https://rateapi.dev/credit-unions/maryland) [Maryland mortgage rate leaders](https://rateapi.dev/mortgage-rates/maryland) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.fedchoice.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Fedchoice Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maryland credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Fedchoice Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /fedchoice " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Fedchoice Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maryland/fedchoice Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp