Rates

Our rates in one place.

Checking Account

Average Daily Balance

Dividend Rate

APY*

*APY= Annual Percentage Yield. Last Dividend Declaration Date for Checking: December 17, 2024.

Average Daily Balance

All balances

Dividend Rate

0.05%

APY*

0.05%

 

Savings Account

Average Daily Balance

Dividend Rate

APY*

*APY= Annual Percentage Yield. Last Dividend Declaration Date for Savings: December 17, 2024.

Average Daily Balance

All balances

Dividend Rate

0.25%

APY*

0.25%

 

Youth Savings Account

Average Daily Balance

Dividend Rate

APY*

*APY= Annual Percentage Yield. Last Dividend Declaration Date for Youth Savings: December 17, 2024. Must be 17 years old or younger to open with a parent or legal guardian. The account balance will automatically be transferred to a Primary Savings Account during the calendar quarter following their 18th birthday.

Average Daily Balance

$0.01 – $1,000.00

Dividend Rate

5.87%

APY*

6.00%

Average Daily Balance

$1,000.01 – $1,044.68

Dividend Rate

5.87%

APY*

5.88% to 5.99%

Average Daily Balance

$1,044.69 or greater

Dividend Rate

0.25%

APY*

0.25%

Money Market Accounts

Average Daily Balance

Dividend Rate

APY*

*APY= Annual Percentage Yield. Last Dividend Declaration Date: January 22, 2024. Minimum deposit to open a money market account is $1,000.00.

Average Daily Balance

$1,000.00 – $9,999.99

Dividend Rate

0.35%

APY*

0.35%

Average Daily Balance

$10,000.00 – $49,999.99

Dividend Rate

1.24%

APY*

1.25%

Average Daily Balance

$50,000.00 – $99,999.99

Dividend Rate

1.24%

APY*

1.25%

Average Daily Balance

$100,000.00 – $149,999.99

Dividend Rate

1.49%

APY*

1.50%

Average Daily Balance

$150,000.00 – $199,999.99

Dividend Rate

1.74%

APY*

1.75%

Average Daily Balance

$200,000.00 – $249,999.99

Dividend Rate

1.98%

APY*

2.00%

Average Daily Balance

$250,000.00 or greater

Dividend Rate

2.47%

APY*

2.50%

Certificate Accounts

Term

Dividend Rate

APY*

*APY= Annual Percentage Yield. Last Dividend Declaration Date for Certificates: February 1, 2025. Minimum deposit to open a certificate is $1,000.00. Fees may reduce earnings. A penalty may be imposed for early withdrawal.

Term

6 Months

Dividend Rate

3.45%

APY*

3.50%

Term

12 Months

Dividend Rate

3.45%

APY*

3.50%

Term

24 Months

Dividend Rate

3.69%

APY*

3.75%

Term

36 Months

Dividend Rate

3.45%

APY*

3.50%

Term

48 Months

Dividend Rate

3.20%

APY*

3.25%

Term

60 Months

Dividend Rate

3.20%

APY*

3.25%

Traditional & Roth IRAs

Average Daily Balance

Dividend Rate

APY*

*APY= Annual Percentage Yield. Last Dividend Declaration Date for Traditional & Roth IRAs: December 17, 2024.

Average Daily Balance

All balances

Dividend Rate

0.60%

APY*

0.60%

Visa™ Credit Cards

Credit Card

APR1

1APR= Annual Percentage Rate. Visa Platinum Rewards Credit Card rate will vary and based on the prime rate. Visa Platinum and Visa Platinum Secured Credit Cards rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Loans are subject to approval. Certain restrictions may apply. Rates effective as of January 12, 2025.

Credit Card

Visa Platinum Rewards

APR1

14.75%

Credit Card

Visa Platinum

APR1

12.00%

Credit Card

Visa Platinum Secured

APR1

18.00%

New Car Loans: 2021 – Newer Model Years

Term

APR*

*APR= Annual Percentage Rate.  All loans subject to approval.  Not all will qualify for approval.  Of those approved, not all will qualify for the lowest rate.  Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Lowest rate listed assumes top tier credit and all available discounts with our Discount ProgramRates Effective Date: February 1, 2025.

Term

Up to 36 Months

APR*

4.49%

Term

37 – 48 Months

APR*

4.49%

Term

49 – 60 Months

APR*

4.49%

Term

61 – 72 Months

APR*

4.74%

Term

73 – 84 Months

APR*

5.24%

 

Used Car Loans: 2016 – 2020 Model Years

Term

APR*

*APR= Annual Percentage Rate.  All loans subject to approval.  Not all will qualify for approval.  Of those approved, not all will qualify for the lowest rate.  Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Lowest rate listed assumes top tier credit and all available discounts with our Discount ProgramRates Effective Date: February 1, 2025.

Term

Up to 36 months

APR*

5.24%

Term

37 – 48 months

APR*

5.24%

Term

49 – 60 months

APR*

5.24%

Term

61 – 72 months

APR*

5.74%

Term

73 – 84 months

APR*

6.24%

 

Recreational Vehicle Loans: Motorhome & Camper

Term

APR*

*APR= Annual Percentage Rate.  All loans subject to approval.  Not all will qualify for approval.  Of those approved, not all will qualify for the lowest rate.  Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.  Rates Effective Date: February 1, 2025.

Term

Up to 36 Months

APR*

6.74%

Term

37 – 48 Months

APR*

7.25%

Term

49 – 60 Months

APR*

7.25%

Term

61 – 72 Months

APR*

7.75%

Term

73 – 84 Months

APR*

8.50%

Term

85 – 120 Months

APR*

9.25%

 

Motorcycle & ATV / UTV Loans

Term

APR*

*APR= Annual Percentage Rate.  All loans subject to approval.  Not all will qualify for approval.  Of those approved, not all will qualify for the lowest rate.  Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.  Rates Effective Date: February 1, 2025.

Term

Up to 36 Months

APR*

6.24%

Term

37 – 48 Months

APR*

6.75%

Term

49 – 60 Months

APR*

6.75%

Term

61 – 72 Months

APR*

7.25%

Term

73 – 84 Months

APR*

8.00%

 

Boat Loans

Term

APR*

*APR= Annual Percentage Rate.  All loans subject to approval.  Not all will qualify for approval.  Of those approved, not all will qualify for the lowest rate.  Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.  Boat purchase must also include a motor and trailer.  Rates Effective Date: February 1, 2025.

Term

Up to 36 months

APR*

7.24%

Term

37 – 48 months

APR*

7.75%

Term

49 – 60 months

APR*

7.75%

Term

61 – 72 months

APR*

8.25%

Term

73 – 84 months

APR*

9.00%

Conventional Fixed Mortgages for Home Purchase

Term

Rate*

APR**

Points

*Rates posted are indications only and are subject to change without notice. If you wish to lock in your rate, please consult with your mortgage officer. **APR=Annual Percentage Rate. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: February 10, 2025.

Term

30 Year

Rate*

7.000%

APR**

7.101%

Points

0 Points

Term

30 Year (+ Points)

Rate*

6.375%

APR**

6.657%

Points

1.875 Points

Term

20 Year

Rate*

6.250%

APR**

6.571%

Points

1.500 Points

Term

15 Year

Rate*

5.625%

APR**

6.100%

Points

2 Points

Term

10 Year

Rate*

5.375%

APR**

5.990%

Points

1.750 Points

 

Conventional Fixed Mortgages for Refinance

Term

Rate1

APR2

Points

1Rates posted are indications only and are subject to change without notice. If you wish to lock in your rate, please consult with your mortgage officer. 2APR=Annual Percentage Rate. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: February 10, 2025.

Term

30 Year

Rate1

7.000%

APR2

7.101%

Points

0 Points

Term

30 Year (+ Points)

Rate1

6.375%

APR2

6.657%

Points

1.875 Points

Term

20 Year

Rate1

6.250%

APR2

6.571%

Points

 1.500 Points

Term

15 Year

Rate1

5.625%

APR2

6.100%

Points

2 Points

Term

10 Year

Rate1

5.375%

APR2

5.990%

Points

1.750 Points

 

Home Equity Loans

Term

APR*

*APR= Annual Percentage Rate. The best Home Equity Loan rate listed for each product assumes top-tier credit and 75% or less combined loan-to-value value. 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. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: February 1, 2025.

Term

7 Years

APR*

as low as 5.75% – 9.75%

Term

10 Years

APR*

as low as 6.75% – 11.625%

Term

15 Years

APR*

as low as 7.00% – 9.425%

 

Traditional Home Equity Line of Credit (HELOC)

Term

APR*

*APR=Annual Percentage Rate. 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. 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%. Rate Effective Date: February 1, 2025.

Term

15 Years

APR*

as low as 7.75% – 9.425% (Variable)

 

Interest-Only Home Equity Line of Credit (HELOC)

Term

APR*

*APR=Annual Percentage Rate. 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. 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. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: February 1, 2025.

Term

20 Years

APR*

as low as 7.50% – 9.175% (Variable)

Personal Loans

Personal Loan Options

APR*

*APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Best rate listed assumes top-tier credit and 0.75% discount for meeting qualifications of our Discount Program. Secured Loans and Personal Line of Credit do not qualify for the Discount Program. Discounts are only available at the time the loan is processed. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: February 1, 2025.

Personal Loan Options

Signature Loans

APR*

8.00%

Personal Loan Options

Personal Line of Credit (Requires a Call Federal Checking Account)

APR*

9.75%

Personal Loan Options

Share Secured Loan (1-36 months)

APR*

3.25%

Personal Loan Options

Share Secured Loan (37-60 months)

APR*

3.75%

Personal Loan Options

Certificate Secured Loan

APR*

6.25%

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