The Internet has completely changed the game when it comes to shopping for a car, so why is actually buying one still a hassle? The awkward conversation with a salesman, the forever-long wait for the finance manager? There ought to be a better way! Well, now there is…
“I was in and out of the dealership in 30 minutes. Very flexible program, helped make the buying process a cinch!”– Bryan W., Midlothian
Favorable Rates, Great Service
Credit unions are known for having great rates on car loans and Call Federal is no different. More importantly, our members enjoy the superior service and personal commitment of our dedicated staff.
Interest rates change. Credit improves. These are just a couple reasons that might lead one to refinance a vehicle loan. Last year, Call Federal members saved an average of $85* a month by refinancing. You could save too! Our car loan specialists are eager to help you assess your specific situation.
*Monthly reduction based on average of refinancing loans with interest/payment savings compared to prior monthly payments. Reductions can be a result of a lower interest rate, a longer term, or both. Savings may vary.
Auto Loan Calculators
How much car can I afford? Should I lease or purchase? Does it make sense to refinance or look for a rebate? Use these calculators to give you some estimates based on your situation, then contact our dedicated lending team to take the next step!
Buying your vehicle from a Private (non-dealer) Seller? Please complete and submit a copy of this vehicle bill of sale with your loan documents.
Vehicle Loans – At A Glance
|Rates/APR||Maximum Loan Term|
|New or Newer Used Vehicle
|1.99%* – 15.34%||84 months
(2011 – 2015 models)
|2.99%* – 16.59%||84 months
|Small Recreational Vehicles
(Motorcycles, Boats, Jetskis, etc)
|4.25%-18.00%|| 72 months
|Larger Recreational Vehicles
(RVs/Campers, value over $75,000)
*The best vehicle loan APR listed assumes 36-month term, 115% loan-to-value and top-tier credit as well as a 0.50% discount for members who set-up Auto Transfer payment from a Call Federal 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, the loan rate will automatically be adjusted accordingly.
APR= Annual Percentage Rate. 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.
Finance Other Vehicles
We’re proud to offer our members the financing they need for motorcycles, boats and other watercraft, as well as larger recreational vehicles, including RVs and campers. Choose from the options below to get started.
Buying a leisure vehicle from a Private (non-dealer) Seller?
Please complete and submit a copy of this bill of sale for boats with your loan documents.
Protect Your Investment
Through our partnership with CUNA Mutual Group, Call Federal offers its members valuable insurance products with great rates that help protect them from life’s unexpected events. Ask your loan consultant if these products are right for you.
Guaranteed Asset Protection (GAP) Plus
A wrecked vehicle can really wreck your finances if you owe more on your loan than your insurance company will pay for your totaled vehicle. With Call Federal’s Guaranteed Asset Protection (GAP) Plus program, we help you cover that difference, sparing you from a potentially large financial burden when you’re already dealing with the loss of a vehicle. The “Plus” part of this offer comes in the form of up to $1000 to put towards a replacement vehicle when you finance with us*. We cover loan terms up to 84 months, loan-to-value (LTV) up to 130%; all for the low, one-time cost of $599!
* Some restrictions apply. Ask your loan consultant for complete details.
TruStage Auto Insurance
When was the last time you compared auto insurance rates? If it’s been awhile, you owe it to yourself to get a quote from TruStage! They work closely with select insurance partners to offer Call Federal members discounted rates to fit a variety of coverage needs.
Extended Warranty (Mechanical Repair Coverage)
You depend on your car to get you where you need to go. Doesn’t it always seem like unexpected repairs crop up right after the manufacturer’s warranty expires? With Mechanical Repair Coverage (MRC), you’ll gain extended coverage, limit the burden of costly breakdowns and get back on the road.