Refinance Your Auto & Earn Cash Back

Bring your auto loan to Call Federal and not only could you save money with a better rate, we’ll give you a cash bonus, too – up to $200!

Promotion Details

  • Rates as low as 2.24% APR*
  • Cash Bonus based on loan amount refinanced (see table below)†
  • Available for model years 2013 or newer
  • Available for applications submitted between September 1, 2022 & October 31, 2022
  • Vehicle loan must be refinanced from another institution
Loan Amount $5,000 – $12,000 $12,001 – $20,000 $20,001 – $35,000 $35,001 & up
Cash Bonus $50 $100 $150 $200

We Love Saving Money for our Members!

Take advantage of this promotion and you could join these happy members pictured below. Stop by any of our convenient branch locations, give us a call at 804-274-1200, or apply online.


Terms & Conditions

*APR = Annual Percentage Rate. Best APR listed assumes 2018 or newer vehicle with a 36-month term, 115% loan-to-value (LTV), and top tier credit, as well as a max rate discount of .75%. Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal loan origination within the last 7 years or membership history of 10 years or more. Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Portal and providing the certificate of completion at loan application. Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically be adjusted accordingly. The two discounts for .50% cannot be combined. All of these discounts are only available at the time the loan is processed. Current vehicle loan rates range from 2.24% – 16.84% APR. Rates subject to change but will not exceed 18.00%. Rates, terms, and conditions may vary based on creditworthiness, qualifications, LTV, and collateral conditions. Vehicle must be a 2013 or newer. All collateral owners must sign required paperwork for refinancing. Mileage restrictions may apply. Income and employment verification required. Other restrictions and conditions may apply. Payment Example: Estimated monthly payment of $464 for a loan of $30,000 at 3.49% APR for a loan term of 72 months.

Cash Reward
†Completed vehicle refinance applications submitted between September 1, 2022 and October 31, 2022, are eligible for a cash reward payment ($50 for loan amounts between $5,000 – $12,000; $100 for loan amounts between $12,001 – $20,000; $150 for loan amounts between $20,001 – $35,000; $200 for loan amounts over $35,000). Cash reward payments will be made within 30 days of the loan funding and paid as an 01 savings share deposit. Offer not valid on existing Call Federal loans. Member must be current & in good standing with all Call Federal loans and deposits at the time the cash incentives is paid