Business Services

Our Promise

Call Federal Credit Union is committed to providing financial empowerment resources like financial education, spending plans, debt management, and retirement planning to help businesses and employees achieve financial success.

Learn & Grow

A savings account provides financial stability for unexpected expenses. It supports business goals with accessible funds to maintain cash flow.

Business Checking

Call Federal offers three business checking accounts with features like higher transaction limits, merchant services, and free digital banking.

Account	Highlights
Commerce	Basic account for startups and small businesses with lower activity
Commerce Plus	For larger businesses with more cash flow needs
Community	Designed for nonprofit organizations and associations

Business Loans & Lines of Credit¹

Call Federal offers secured and unsecured business loans and lines of credit with competitive rates and flexible terms to meet unique business needs.

Product	Purpose	Benefits	Features	Possible Collateral	Best If…
Line of Credit	Offers short-term cash flow coverage, access to capital, or ability to purchase inventory when needed	Flexibility to borrow and repay funds as needed, up to credit limit. Convenient access without high cash advance rates.	Revolving line with 1-year term and potential annual renewal.	Business assets, real estate, deposit accounts	“I know I’ll need funds, but I’m not sure when!”
Term Loan	Provides cash upfront to purchase equipment or other fixed assets	Make same monthly payment on set date at competitive rate to purchase necessary business items.	Fixed term, rate, payment amount and monthly payment date.	Equipment, accounts receivable, inventory, real estate, deposit accounts, vehicles	“I know what I need and when I need it!”
Vehicle Loan	Allows purchase of a vehicle for business to reduce liability and increase tax benefits²	Offers competitive rates and potential tax deductions.	Finance up to 84 months.	Financed vehicle or another vehicle with no lien	“I use my vehicle for work and want to write off the expense!”
Business & Commercial Real Estate Loans	Flexible lending for business facilities or other needs like purchase, improvement, or refinance	Enjoy competitive rates and flexible terms with lower payment options.	Terms up to 10 years, amortized up to 30 years.	Residential or commercial real estate	“I want to invest in property instead of renting to grow my business wealth!”

¹All rates and offers subject to change. ²Members should consult with their tax advisor about any possible deductions. Equal Housing Lender.

Business Loans & Lines of Credit¹

Call Federal offers secured and unsecured business loans and lines of credit with competitive rates and flexible terms to meet unique business needs.

Product	Line of Credit	Term Loan	Vehicle Loan	Business & Commercial Real Estate Loans
Purpose	Offers short-term cash flow coverage, access to capital, or ability to purchase inventory when needed	Provides cash upfront to purchase equipment or other fixed assets	Allows purchase of a vehicle for business to reduce liability and increase tax benefits	Flexible lending for business facilities or other needs like purchase, improvement, or refinance
Benefits	Flexibility to borrow and repay funds as needed, up to credit limit. Convenient access without high cash advance rates.	Make same monthly payment on set date at competitive rate to purchase necessary business items.	Offers competitive rates and potential tax deductions.	Enjoy competitive rates and flexible terms with lower payment options.
Features	Revolving line with 1-year term and potential annual renewal.	Fixed term, rate, payment amount and monthly payment date.	Finance up to 84 months.	Terms up to 10 years, amortized up to 30 years.
Possible Collateral	Business assets, real estate, deposit accounts	Equipment, accounts receivable, inventory, real estate, deposit accounts, vehicles	Financed vehicle or another vehicle with no lien	Residential or commercial real estate
Best If…	“I know I’ll need funds, but I’m not sure when!”	“I know what I need and when I need it!”	“I use my vehicle for work and want to write off the expense!”	“I want to invest in property instead of renting to grow my business wealth!”