Rates

Loan Rates


Mortgage & Home Equity Rates

First Mortgage

Visit our Mortgage Center

Home Equity Loan (7 Year)

As low as 6.50% - 10.50% APR1

Home Equity Loan (10 Year)

As low as 7.25% - 12.125% APR1

Home Equity Line of Credit (15 Year)

8.5% - 10.175% variable APR1

Home Equity Line of Credit (20 Year)

Interest-Only Repayment Option

8.5% - 10.175%2 variable APR1

Vehicle Loan Rates

New (or Newer Used) Vehicles

2020-Newer Model Years

4.99%3 – 14.49% APR1

Used Vehicles

2015 -2019 Model Years

5.49%3 – 15.24% APR1

Leisure Vehicles

(Motorcycles, ATVs, non-boats)

6.24%-15.50% APR1

Leisure Vehicles (Boats)

7.24%-16.50% APR1

Recreational Vehicles

(Motorhomes & Campers, up to $100k)

6.74%-12.75% APR1

Visa Credit Cards

Visa Platinum

12.00% APR1

Visa Platinum Rewards

15.50% variable APR1

Visa Platinum Secured

18.00% APR1

Personal Loan Rates

Signature Loans

8%-18.00% APR1

Personal Line of Credit

requires Call Federal Checking account

9.75%-18.00% APR1

Share Secured Loan

(1-36 months)

Current Share Rate + 3.00% APR1

Share Secured Loan

(37-60 Months)

Current Share Rate + 3.50% APR1

Certificate Secured Loan

Certificate Rate + 3.00% APR1

1APR= 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. 2Best 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. 2Home Equity rates include a Flood Determination fee when applicable. 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 and property insurance are required. 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. 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%. 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%. The best Home Equity Loan rate listed for each product assumes top-tier credit and 75% or less combined loan-to-value value. Rates subject to change at any time. 3Best 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.

Product Term (mos.) APR1 Amount Payment (mo.)
New Vehicle 72 5.49% $45,000 $737
Used Vehicle 60 5.74% $25,000 $482
Leisure Vehicle 60 7.00% $10,000 $199
Leisure Vehicle (Boat) 60 8.75% $15,000 $311
Recreational Vehicle 60 7.50% $25,000 $503
Personal Loan 36 9.75% $5,000 $162

Loan Term (mos.) Loan Amount APR1 Payment (mo.)
7 YearTerm $50,000.00 6.50% $739.00
10 Year Term $50,000.00 7.25% $584.00

Other Rates


Dividend-Bearing Accounts†

Checking

0.05% APY†

Savings

0.25% 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:  1.25% APY†
Average Daily Balance of $50,000.00 – $99,999.99:  1.25% APY†
Average Daily Balance of $100,000.00 or $149,999.99:  1.50% APY†
Average Daily Balance of $150,000.00 – $199,999.99:  1.75% APY†
Average Daily Balance of $200,000.00 – $249,999.99:  2.00% APY†
Average Daily Balance of $250,000.00 or greater:  2.50% APY†

Share Certificates†††

6-Month Term: 2.50% APY†
12-Month Term: 3.25% APY†
24-Month Term: 3.45% APY†
36-Month Term: 3.70% APY†
60-Month Term: 4.00% APY†

Minimum deposit to open a certificate is $1,000.

† APY = Annual Percentage Yield. Last Dividend Declaration Date for Checking, Savings, Youth Savings, and IRA: March 26, 2024. Last Dividend Declaration Date for Money Market: May 28, 2024. Last Dividend Declaration Date for share certificates: June 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.