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  7.50%-18.00% 9.00%-18.00% 3.00%*
(1 – 36 months)
3.50%*
(37 – 60 months)
* plus share rate
 3.00%
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
 –  –

 

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