What are the current interest rates at Call Federal Credit Union?

Current rates for Call Federal Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 3.50%, 60-Month CD: 3.25%, Savings: 0.15%, MMA: 0.35%

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Call Federal Credit Union

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Call Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Call Federal Credit Union?

Yes, to access services at Call Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Call Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Call Federal Credit Union's CD Accounts - 24 month rates are at 3.50%, CD Accounts - 36 month rates are at 3.50%, CD Accounts - 12 month rates are at 3.25%, CD Accounts - 48 month rates are at 3.25%, CD Accounts - 60 month rates are at 3.25%. Call Federal Credit Union's savings rates are at 0.15%. Call Federal Credit Union's money market rates are at 0.35%. Call Federal Credit Union's Conventional Fixed Mortgages for Refinance rates are at 6.25%, Conventional Fixed Mortgages for Home Purchase rates are at 6.25%, Conventional Fixed Mortgages for Refinance rates are at 6.12%, Conventional Fixed Mortgages for Home Purchase rates are at 6.12%, Conventional Fixed Mortgages for Refinance rates are at 6.62%. Call Federal Credit Union's Personal Loan Rates are as low as 8.00%. MonitorBankRates evaluates the financial stability of Call Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.11%. Rates last updated and verified on 09/21/2026.

Call Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Call Federal Credit Union? Share your experience about Call Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Call Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.11%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Call Federal Credit Union
Headquarters

4235 Innslake Dr Ste 110
Glen Allen, VA 23060-5505

https://www.callfcu.org

Call Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate Accounts - 24 month	3.45%	3.50%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Fees may reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate Accounts - 36 month	3.45%	3.50%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Fees may reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate Accounts - 12 month	3.20%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Fees may reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate Accounts - 48 month	3.20%	3.25%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Fees may reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate Accounts - 60 month	3.20%	3.25%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Fees may reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate Accounts - 6 month	2.47%	2.50%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Fees may reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings Account	5.87%	6.00%
Min Balance $0 Details Balance: $0.01 - $1,000.00; APY= Annual Percentage Yield. Rate may change after an account is opened. 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. Last Dividend Declaration Date for Youth Savings: June 23, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Youth Savings Account	5.87%	5.88%
Min Balance $1,000 Details Published APY range: 5.88% to 5.99%. Balance: $1,000.01 - $1,044.68; APY= Annual Percentage Yield. Rate may change after an account is opened. 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. Last Dividend Declaration Date for Youth Savings: June 23, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Membership Savings Account	0.15%	0.15%
Min Deposit $5 Details All balances Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Secondary Savings Account	0.15%	0.15%
Min Deposit $5 Details APY= Annual Percentage Yield. Rate may change after an account is opened. Last Dividend Declaration Date for Savings: June 23, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Youth Savings Account	0.15%	0.15%
Min Balance $1,045 Details Balance: $1,044.69 or greater; APY= Annual Percentage Yield. Rate may change after an account is opened. 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. Last Dividend Declaration Date for Youth Savings: June 23, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	2.47%	2.50%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Money Market Accounts	1.98%	2.00%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 - $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Money Market Accounts	1.74%	1.75%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Money Market Accounts	1.49%	1.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Money Market Accounts	1.24%	1.25%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Money Market Accounts	1.24%	1.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Money Market Accounts	0.35%	0.35%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	0.05%	0.05%
Details All balances Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Mortgages for Refinance	6.25%	1.875 Points	6.75%	15 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Home Purchase	6.25%	1.875 Points	6.76%	15 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Refinance	6.13%	1.875 Points	6.82%	10 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Home Purchase	6.13%	1.875 Points	6.84%	10 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Refinance	6.63%	1.625 Points	7.00%	20 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Home Purchase	6.63%	1.625 Points	7.01%	20 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Refinance	6.88%	1.625 Points	7.17%	30 Year (+ Points)
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Home Purchase	6.88%	1.625 Points	7.17%	30 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Refinance	7.25%	0.125 Points	7.39%	30 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Conventional Fixed Mortgages for Home Purchase	7.25%	0.125 Points	7.40%	30 Year
Details Rates posted are indications only and are subject to change without notice. Rates displayed assume excellent credit, 70% or less combined loan -to- value. 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: September 18, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.25%	7 Years
Details Published APR range: 5.250% - 9.250%. As Low As; 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: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	-	-	6.25%	10 Years
Details Published APR range: 6.250% - 11.125%. As Low As; 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: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	-	-	6.50%	15 Years
Details Published APR range: 6.50% - 11.250%. As Low As; 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: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Interest-Only Home Equity Line of Credit (HELOC)	-	-	6.75%	20 Years
Details Published APR range: 6.75% - 8.425%. As Low As; Variable; Rates 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: September 1, 2026. Assumes excellent credit, 80% or less combined loan-to-value, and a 0.50% 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 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Traditional Home Equity Line of Credit (HELOC)	-	-	6.75%	15 Years
Details Published APR range: 6.75% - 8.425%. As Low As; Variable; Rates 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%. 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
HELOC Signature Loans	-	-	8.00%
Details 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: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loans: 2022 - Newer Model Years	-	-	3.99%	Up to 36 months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Car Loans: 2022 - Newer Model Years	-	-	3.99%	37 - 48 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Car Loans: 2022 - Newer Model Years	-	-	3.99%	49 - 60 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Car Loans: 2022 - Newer Model Years	-	-	4.24%	61 - 72 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Car Loans: 2022 - Newer Model Years	-	-	4.74%	73 - 84 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Used Car Loans: 2017 - 2021 Model Years	-	-	4.74%	Up to 36
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Used Car Loans: 2017 - 2021 Model Years	-	-	4.74%	2021 Mo
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Used Car Loans: 2017 - 2021 Model Years	-	-	5.24%	2021 Mo
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Used Car Loans: 2017 - 2021 Model Years	-	-	5.74%	2021 Mo
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle & ATV / UTV Loans	-	6.24%	Up to 36 Months
Details 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Recreational Vehicle Loans: Motorhome & Camper	-	6.74%	Up to 36 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Motorcycle & ATV / UTV Loans	-	6.75%	37 - 48 Months
Details 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Motorcycle & ATV / UTV Loans	-	6.75%	49 - 60 Months
Details 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Boat Loans	-	7.24%	Up to 36 months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Motorcycle & ATV / UTV Loans	-	7.25%	61 - 72 Months
Details 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Recreational Vehicle Loans: Motorhome & Camper	-	7.25%	37 - 48 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Recreational Vehicle Loans: Motorhome & Camper	-	7.25%	49 - 60 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Boat Loans	-	7.75%	37 - 48 months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Boat Loans	-	7.75%	49 - 60 months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Recreational Vehicle Loans: Motorhome & Camper	-	7.75%	61 - 72 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Motorcycle & ATV / UTV Loans	-	8.00%	73 - 84 Months
Details 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Boat Loans	-	8.25%	61 - 72 months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Recreational Vehicle Loans: Motorhome & Camper	-	8.50%	73 - 84 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Boat Loans	-	9.00%	73 - 84 months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Recreational Vehicle Loans: Motorhome & Camper	-	9.25%	85 - 120 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
HELOC Signature Loans	8.00%
Details 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: September 1, 2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Call Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Traditional & Roth IRAs	0.60%	-	0.60%
Details All balances Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Call Federal Credit Union’s Texas Ratio fell from 1.83% in Q2 2023 to 1.11% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$570M	1.11%	5.0	A+
December 31, 2025	$535M	2.58%	5.0	A+
September 30, 2025	$539M	1.61%	5.0	A+
June 30, 2025	$541M	1.21%	5.0	A+
March 31, 2025	$554M	1.44%	5.0	A+
December 31, 2024	$510M	1.65%	5.0	A+
September 30, 2024	$521M	1.75%	5.0	A+
June 30, 2024	$523M	1.80%	5.0	A+
March 31, 2024	$549M	0.68%	5.0	A+
December 31, 2023	$524M	1.08%	5.0	A+
September 30, 2023	$530M	0.54%	5.0	A+
June 30, 2023	$540M	1.83%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Call Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Call Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Call Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Call Federal Credit Union

Website https://www.callfcu.org

Address 4235 Innslake Dr Ste 110, Glen Allen, VA 23060-5505

Phone 804-274-1200

Fax

President James Horne, Jr.

CEO John West

Full-Time Employees 116

Part-Time Employees 5

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.11%

Return on Assets (ROA)

0.0502%

Return on Equity (ROE)

0.4950%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

570,046,688

Total Amount of Shares and Deposits

510,334,539

Total Shares and Deposits < 1 Year

499,165,966

Total Shares and Deposits 1 3 Years

10,566,434

Total Shares and Deposits > 3 Years

602,140

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

42,921,972

Total Uninsured Shares and Deposits > $250K (F+J)

42,921,972

Total Insured Shares and Deposits > $250K (item 17 less item K)

467,412,567

Total Interest Expense (Sum of items 6 8)

881,672

Share Certificates

1,062

Number of Accounts for Share Drafts

21,407

IRA KEOGH Accounts

727

Number of Accounts for Regular Shares

33,004

All other shares

486

Money Market Shares

1,181

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

49,195,879

Total Liabilities

520,091,420

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Call Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Call Federal Credit Union

How many branches does Call Federal Credit Union operate?

Call Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Call Federal Credit Union?

Yes, to access services at Call Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Call Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Call Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Call Federal Credit Union offer online and mobile banking?

Most modern institutions like Call Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.callfcu.org.