Rates

APR= Annual Percentage Rate. All loans subject to approval. Rates subject to change at any time. Certain restrictions may apply. ¹Rates, terms and condition are subject to change at any time and may vary based on creditworthiness, qualifications and collateral conditions. Rates displayed assume excellent credit, 80% or less combined loan -to- value, as well as.50% discount for auto transfer payment from a Call Federal checking account. The discount is only available at time of processing and will be removed should the auto transfer stop. Subject to membership in the credit union, credit approval and closing. Property insurance required. Property must be member’s primary residence and located in the Commonwealth of Virginia. Home Equity rates include a Flood Determination fee when applicable. The best Home Equity Loan rate listed for each product assumes top-tier credit and 75% or less combined loan-to-value value. For 15-Year HELOC, rates are subject to change quarterly (January, April, July, and October) on the 1st of the applicable month based on the Prime Rate published in the Wall Street Journal. The maximum rate for this product is 15%. For 20-Year Interest-Only HELOC, rates are subject to change on the first monthly based on the Prime Rate published in the Wall Street Journal. The maximum rate for this product is 18%. Interest only payments required during the 10-year draw period and there may be significant monthly payment increases when the line of credit enters into repayment phase. ²Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Best rate listed assumes top-tier credit as well as a 0.25% discount for automatic payment transfer from a Call Federal checking account. 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. ³ Platinum Rewards Credit Card is a variable APR and changes with the market, based on the prime rate. Platinum and Platinum Secured Credit Cards rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. ⁴Best rate listed assumes top-tier credit as well as a 0.25% discount for automatic payment transfer from a Call Federal checking account. 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.

† APY = Annual Percentage Yield. Last Dividend Declaration Date for Checking, Savings, Youth Savings, and IRA: June 25, 2024. Last Dividend Declaration Date for Money Market: August 20, 2024. Last Dividend Declaration Date for share certificates: September 1, 2024. †† 5.87% Dividend Rate to 6.00% APY applies to balances $1,000.00 and below. 5.88% Dividend Rate to 5.99% APY applies to balances between $1,000.01 to $1,044.68. .25% Dividend Rate to 0.25% APY applies to balances $1,044.69 or greater. You must be 17 years old or younger 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. Early withdrawal penalties may apply. †††Fees may reduce earnings. A penalty may be imposed for early withdrawal.

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.