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Vehicle Loans

A Better Way to Buy Your Next Car or Truck is Here!

Introducing Check-In-Hand auto loans from Call Federal, the quick, easy, convenient way to buy a new vehicle. Apply online, by phone, or in person at one of our six branch locations and receive a check for the amount you qualify for and take it to the dealer of your choice. Shop & buy with the confidence of a cash buyer, knowing you’ve got your financing all lined up. Go from Check-In-Hand to keys in hand!

  • Rates as low as 2.49%** APR for new or used (2013-2018) vehicles 
  • Flexible, longer terms available
  • Extended vehicle warranties offered at competitive rates and GAP coverage available 

Use our loan calculator to help you determine the loan financing amount and payment options that are best for you.

Check-In-Hand vehicle loans may only be used with a certified auto dealer. If you are purchasing a vehicle from a private seller, please complete this bill of sale.


Refinance Your Current Car Loan and Save

Join our members who saved on average $85* per month last year by refinancing with Call Federal. Refinancing with us is easy, just fill out an application and we'll take care of the rest.
  • Rates as low as 2.49%** APR
  • No prepayment penalty  
  • Fast loan processing  

Finance Other Vehicles 

We also offer financing for boats, motorcycles, jet skis, and recreational vehicles. 
If you are purchasing a boat from a private seller, please complete this bill of sale.

Visit Kelley Blue Book for Resources

  • Find the value of new and used cars
  • Search local inventory
  • Receive free dealer price quote
  • Expert reviews and safety ratings
  • Learn helpful vehicle buying tips


APR= Annual Percentage Rate. Current vehicle rates range from 2.49% - 17.99% APR. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Credit Union membership required. Certain conditions and restrictions may apply. Contact a loan representative for a vehicle loan tailored to your needs and qualifications.

**The best vehicle loan APR listed assumes top tier credit as well as a .50% discount for members who set-up Auto Transfer payment from a Call Federal CU checking account.  This discount is only available at the time the loan is processed.  If the member receives this discounted rate, but discontinues the Auto Transfer service, the loan rate will automatically be adjusted accordingly.

*Monthly payment reduction based on average of refinancing loans with interest/payment savings compared to their prior monthly payments. Payment reductions can be a result of a lower interest rate, a longer term, or both. Your savings may differ.