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Personal Loans

Let’s get a little personal.

A loan designed to meet nearly any financial need.

Whether you’re planning a big purchase, managing unexpected expenses, or consolidating debt, we’ve got you covered.

 

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Competitive Rates

Not-for-profit means that we can give back to you by way of lower interest rates.

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Loans from $500 to $25,000

Whether your borrowing needs are big or small, we’ve got you covered.

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Flexible Terms

Keep your monthly payment low with flexible terms.

Money Transfer

Quick Funding

We won’t keep you waiting on access to your funds.

No Fees

No application fee or prepayment penalty

You have the choice to pay early and save on interest.

Grow Money

No origination fees

Because we like to keep things fee-free around here.

Explore your personal loan options

Which of the following do you want out of your personal loan?

Pick your solution

Smart and sensible paths to peace of mind.

Number 1

Personal Loans

Our signature loans offer fixed rates with no origination or prepayment fees. Enjoy manageable, predictable payments with flexible terms up to 84 months.

Number 2

Personal Line of Credit

This “just in case” line of credit covers unexpected expenses, home renovations, overdraft protection, and more. With no advance fees or collateral required, funds are accessible online, at branches, via debit card, or by calling us.

Number 3

Share Secured Loans

Our Share Secured Loans use your long-term savings as collateral, offering lower rates and flexible terms to help you reach your financial goals faster. Ideal for savers needing a second chance at building good credit, this account lets your savings work for you.

Number 4

Share Certificate Loans

Members with long-term Share Certificates can borrow against them without penalty until maturity, providing a convenient way to manage unexpected expenses without compromising long-term savings.

Rates

Personal Loans

Personal Loan Options

APR*

*APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Best rate listed assumes top-tier credit and 0.75% discount for meeting qualifications of our Discount Program. Secured Loans and Personal Line of Credit do not qualify for the Discount Program. Discounts are only available at the time the loan is processed. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: February 1, 2025.

Personal Loan Options

Signature Loans

APR*

8.00%

Personal Loan Options

Personal Line of Credit (Requires a Call Federal Checking Account)

APR*

9.75%

Personal Loan Options

Share Secured Loan (1-36 months)

APR*

3.25%

Personal Loan Options

Share Secured Loan (37-60 months)

APR*

3.75%

Personal Loan Options

Certificate Secured Loan

APR*

6.25%

Product Term (months) Rate Amount Payment
New Vehicle 72 6.49% $45,000 $759
Used Vehicle 60 6.49% $25,000 $491
Leisure Vehicle (Motorcycle) 60 7.00% $10,000 $199
Leisure Vehicle (Boat) 60 8.75% $15,000 $311
Recreational Vehicle (RV) 60 7.50% $25,000 $503
Personal Loan 36 9.75% $5,000 $162

5 Star Feedback

★★★★★

Call Federal has been an awesome partner of ours for over 20 years. Your loan programs and skip pay options have been helpful over the years when we needed them. I really feel like you are on your members’ side when they need you most.

Richard B.

Rate Discount Program

Good deeds mean great discounts at Call Federal.

Members who have originated a consumer loan (personal, vehicle, or leisure) within the last 7 years or have been with the credit union for 10+ years are eligible for a Loyalty discount of .50%

Education discount of .50% for completing our Money & Beyond course. Once completed, please provide the certificate of completion to your lender and receive your loan discount.

Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can automatically be adjusted accordingly.

Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal loan origination within the last 7 years or membership history of 10 years or more. Education discount of .50% for completing our Money & Beyond Course and providing the certificate of completion at loan application. Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically adjusted accordingly. The two discounts for .50% cannot be combined. max rate discount of .75%. All of these discounts are only available at the time the loan is processed. Secured Loans and Personal Line of Credit do not qualify for our Discount Program.

Need a little more information?

Though Personal Lines of Credit offer some flexibility, there are some guidelines:

  • Loan amounts: The maximum amount offered depends on the lender, but Lines of Credit typically run between $1,000 and $25,000.

A Personal Loan gives you a set amount of money upfront that you pay back in fixed monthly payments over time. A Personal Line of Credit works more like a credit card—you can take out money as needed and pay it back on your own schedule, with a variable interest rate.

You can apply online, call us, or visit your local branch.

We’re here to help!

Call Federal is here to help with your personal loan application. Reach out to us today for more information and expert guidance to meet your needs.

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804.274.1200