Brian Daskalovitz is accounting services manager for FedChoice Federal Credit Union in Lanham, Md.

Professional sports thinking has it that the best defense is a good offense. Brian Daskalovitz feels much the same way about mortgage lending and its related fee income.

Daskalovitz, accounting services manager for FedChoice Federal Credit Union in Lanham, Md., is planning for flat financial growth in 2014. He also believes that rising interest rates will dampen any further mortgage refis, slicing into the $350 million credit union’s noninterest income.

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