Loan Rates

Mortgage & Home Equity Rates

First Mortgage

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Home Equity Loan (10 Year)

As low as 3.75% APR*

Home Equity Loan (15 Year)

As low as 4.00% APR*

Home Equity Line of Credit (15 Year)

3.25% variable APR*

Home Equity Line of Credit (20 Year)

Interest-Only Repayment Option

3.75%** variable APR*

Auto & Vehicle Loan Rates

New (or Newer Used) Vehicles

2017-Newer Model Years

1.99%** – 14.84% APR*

Used Vehicles

2012 -2016 Model Years

2.99%** – 16.09% APR*

Smaller Recreational Vehicles

(Motorcycles, Boats, & other Watercraft)

3.99%-17.00% 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

10.25% variable APR*

Visa Platinum Secured

18.00% APR*

Personal Loan Rates

Signature Loans

7.50%-18.00% APR*

Personal Line of Credit

requires Call Federal Checking account

9.00%-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†



0.05% APY†



0.15% APY†

High-Yield Youth Savings††


Average Daily Balance of $0.01-$1,000.00:  6.00% APY†
Average Daily Balance of $1,000.01 or greater:  0.15% APY†

Individual Retirement Account (IRA)


0.60% APY†

Money Market Savings


Average Daily Balance of $10,000.00 – $24,999.99:  0.25% APY†
Average Daily Balance of $25,000.00 – $49,999.99:  0.35% APY†
Average Daily Balance of $50,000.00 or greater:  0.45% APY†

Share Certificates


6-Month Term: 0.35% APY†
12-Month Term: 0.55% APY†
24-Month Term: 0.70% APY†
36-Month Term: 0.90% APY†

† APY = Annual Percentage Yield. Last Dividend Declaration Date for Checking, Savings, Youth Savings, and IRA: March 23, 2021. Last Dividend Declaration Date for Money Market: May 19, 2021. Last Dividend Declaration Date for share certificates: June 1, 2021

†† 6.00% APY is for the first $1,000.00, .15% APY applies to balances $1,000.01 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.