Rates
Our rates in one place.
Average Daily Balance |
Dividend Rate |
APY* |
---|---|---|
*APY= Annual Percentage Yield. Last Dividend Declaration Date for Checking: December 17, 2024. |
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Average Daily Balance All balances |
Dividend Rate 0.05% |
APY* 0.05% |
Average Daily Balance |
Dividend Rate |
APY* |
---|---|---|
*APY= Annual Percentage Yield. Last Dividend Declaration Date for Savings: December 17, 2024. |
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Average Daily Balance All balances |
Dividend Rate 0.25% |
APY* 0.25% |
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. |
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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% |
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. |
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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% |
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. |
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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% |
Average Daily Balance |
Dividend Rate |
APY* |
---|---|---|
*APY= Annual Percentage Yield. Last Dividend Declaration Date for Traditional & Roth IRAs: December 17, 2024. |
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Average Daily Balance All balances |
Dividend Rate 0.60% |
APY* 0.60% |
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% |
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* 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% |
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. |
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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% |
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% |
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% |
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% |
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. |
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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 |
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. |
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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 |
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. |
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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% |
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) |
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. |
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Term 20 Years |
APR* as low as 7.50% – 9.175% (Variable) |
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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