Personal Loans

The kid needs braces. The fridge is on the fritz. The transmission finally goes. It’s going to take a little more cash than you keep on-hand and the repair shop is more than happy to let you pay-over-time, but at what cost? Call Federal’s personal loan programs were created with exactly these occasions in mind.

Signature Loans

Our signature loans allow you to borrow with the peace of mind that your rate will not change and there are no origination or prepayment fees. We will help you develop manageable and predictable payments with flexible payment terms up to 84 months.

Personal Line of Credit

Available to all members with a Call Federal checking account, this “just in case” line of credit can be used for unexpected expenses, vacation, home renovations, weddings, and even overdraft protection. There are no fees for advances and no collateral needed. Funds are accessible via online banking, visiting a branch, using your debit card, or by giving us a call.

Share Secured Loans

An account where the money you’ve saved actually saves you money? Very clever! By using your long-term savings as collateral, our Share Secured Loans have lower rates and flexible terms that can help you reach your financial goals faster. This program is also excellent for savers in need of a second chance at building good credit.

Share Certificate Loans

Members who hold long-term Share Certificates (our equivalent of CDs) can borrow against those accounts without penalty up until the certificate matures, a convenient way to manage an unexpected expense without compromising your long-term savings plan.

Personal Loans – At A Glance

Signature Personal Line of Credit Share Secured Certificate Secured
Security  Unsecured Unsecured Savings (Shares) Account Share Certificate
Rate/APR* 8%-18.00% 9.75%-18.00% 3.00%
(1 – 36 months)
(37 – 60 months)
* plus share rate
plus certificate rate
Terms  Up to 84 months
(7 years)
Revolving  Up to 60 months
(5 years)
Length of Certificate
(up to 36 months/3 years)
Other  – Must have a Call Federal
Checking account
 –  –


*APR = Annual Percentage Rate. Best APR listed a 24-month term and top tier credit, as well as a max rate discount of .75%. Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal history loan origination within the last 7 years or membership history of 10 years or more. Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Portal 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 automatically be adjusted accordingly. The two discounts for .50% cannot be combined. All of these discounts are only available at the time the loan is processed. Current personal loan rates range from 8%-18.00% APR. Rates subject to change but will not exceed 18.00%. Rates, terms, and conditions may vary based on creditworthiness and qualifications. Income and employment verification required. Other restrictions and conditions may apply.

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

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