Rates

Loan Rates


Mortgage & Home Equity Rates

First Mortgage

 

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Home Equity Loan (10 Year)

 

As low as 4.75% APR*

Home Equity Loan (15 Year)

 

As low as 5.00% APR*

Home Equity Line of Credit (15 Year)

 

4.75% variable APR*

Home Equity Line of Credit (20 Year)

Interest-Only Repayment Option

 

4.25%** variable APR*

Auto & Vehicle Loan Rates

New (or Newer Used) Vehicles

2013-2018 Model Years

 

2.49%** – 17.74% APR*

Used Vehicles

2008-2012 Model Years

 

3.24%** – 17.99% APR*

Smaller Recreational Vehicles

(Motorcycles, Boats, & other Watercraft)

 

5.25%-18.00% 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

 

11.25% 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 SUBJECT TO APPROVAL. CREDIT UNION MEMBERSHIP REQUIRED. CERTAIN CONDITIONS AND RESTRICTIONS MAY APPLY.
** BEST RATE LISTED ASSUMES TOP-TIER CREDIT AS WELL AS A 0.50% DISCOUNT FOR AUTO TRANSFER PAYMENT 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 AUTOMATICALLY BE ADJUSTED ACCORDINGLY.

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

 

0.15% APY†

Savings

 

0.25% 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:  0.25% APY†

Individual Retirement Account (IRA)

 

0.60% APY†

Money Market Savings

 

Average Daily Balance of $10,000.00 – $24,999.99:  0.30% APY†
Average Daily Balance of $25,000.00 – $49,999.99:  0.40% APY†
Average Daily Balance of $50,000.00 or greater:  0.50% APY†

Share Certificates

 

6-Month Term: 0.30% 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: SEPTEMBER 26, 2017. Last Dividend Declaration Date for Money Market and Share Certificates: DECEMBER 1, 2017

 

†† 6.00% APY is for the first $1,000.00, .25% 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.