Loan Rates
Mortgage & Home Equity Rates
First Mortgage |
|
Home Equity Loan (7 Year) |
As low as 6% - 10% APR* |
Home Equity Loan (10 Year) |
As low as 7.250% - 12.125% APR* |
Home Equity Loan (15 Year) |
As low as 7.75% - 13.25% APR* |
Home Equity Line of Credit (15 Year) |
7.00% - 8.675% variable APR* |
Home Equity Line of Credit (20 Year)Interest-Only Repayment Option |
7.75% - 9.425%** variable APR* |
Auto & Vehicle Loan Rates
New (or Newer Used) Vehicles2018-Newer Model Years |
3.99%** – 16.24% APR* |
Used Vehicles2013 -2017 Model Years |
4.74%** – 16.74% APR* |
Smaller Recreational Vehicles(Motorcycles, Boats, & other Watercraft) |
5.99%-17.75% APR* |
Large Recreational Vehicles(RVs & Campers, valued $75k-$150k) |
7.50%-9.75% APR* |
Visa Credit Cards
Visa Platinum |
12.00% APR* |
Visa Platinum Rewards |
14.00% variable APR* |
Visa Platinum Secured |
18.00% APR* |
Personal Loan Rates
Signature Loans |
7.25%-18.00% APR* |
Personal Line of Creditrequires Call Federal Checking account |
9.75%-18.00% APR* |
Share Secured Loan(1-36 months) |
Current Share Rate + 3.00% APR* |
Share Secured Loan(37-60 Months) |
Current Share Rate + 3.50% APR* |
Certificate Secured Loan |
Certificate Rate + 3.00% APR |
* APR= Annual Percentage Rate. Variable APR changes with the market, based on the prime rate. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Loans are subject to approval. Credit union membership is required. Certain restrictions may apply.
** Best rate listed assumes top-tier credit as well as a 0.50% discount for automatic payment transfer from a Call Federal checking accounts. This discount is only available at the time the loan is processed. If the member discontinues the auto-transfer, the loan rate will be adjusted accordingly without further notice.
Repayment examples
$20,000 vehicle loan with a 60 month term = $373.68 per month at 4.59% APR
$20,000 personal loan with a 60 month term = $424.94 per month at 10.00% APR
Other Rates
Dividend-Bearing Accounts†
Checking |
0.05% APY† |
Savings |
0.075% APY† |
High-Yield Youth Savings†† |
Average Daily Balance of $0.01-$1,000.00: 6.00% APY† |
Individual Retirement Account (IRA) |
0.60% APY† |
Money Market Savings |
Average Daily Balance of $10,000.00 – $49,999.99: 0.75% APY† |
Share Certificates |
6-Month Term: 1.50% APY† * minimum opening account balance of $1,000
|
† APY = Annual Percentage Yield. Last Dividend Declaration Date for Checking, Savings, Youth Savings, and IRA: February 15, 2023. Last Dividend Declaration Date for Money Market: February 17, 2023. Last Dividend Declaration Date for share certificates: March 1, 2023
†† 6.00% APY applies to balances $1,000.00 and below. 5.88% APY to 5.99% APY applies to balances between $1,000.01 and $1,044.68. 0.075% APY applies to balances $1,044.69 or greater. You must be under 18 to open with an adult joint owner and meet membership eligibility requirements. Account disclosures will be provided at account opening or upon request. The account balance will be automatically transferred to a Primary Share Savings account during the calendar quarter following your 18th birthday. The minimum balance requirements applicable to each account are stated in the Rate Schedule.
Rates are subject to change without notice and certain restrictions may apply. Other accounts and rates may be available. Contact a member service representative for more information on all of our products and services.
We do business in accordance with the Federal Fair Housing Lending Laws. Read more
Call Federal Credit Union is an Equal Housing Lender licensed by the National Mortgage Licensing System under NMLS #407823.
