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: 6.00%, MMA: 2.00%

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Call Federal Credit Union

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Call Federal Credit Union Rates & Review October 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: October 9, 2026

Call Federal Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 24 month CD, 6.00% APY on savings, 2.00% APY on money market accounts, 0.05% APY on checking, 6.38% on its Conventional Fixed Mortgages for Refinance - 10 Year, and personal loans from 8.00% APR, according to rates verified by MonitorBankRates. Other Call Federal Credit Union CD rates include 36 month CD at 3.50%, 12 month CD at 3.25%, and 48 month CD at 3.25%. Other Call Federal Credit Union mortgage rates include Conventional Fixed Mortgages for Home Purchase - 10 Year at 6.38%, Conventional Fixed Mortgages for Refinance - 15 Year at 6.62%, and Conventional Fixed Mortgages for Home Purchase - 15 Year at 6.62%. 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 2.74%. Rates last updated and verified on 10/09/2026.

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 Q2 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

2.74%

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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Call Federal Credit Union CD Rates

Product	Rate	APY	Term
24 month Certificate	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 10/09/2026 Rate History No change since Sep 17, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
36 month Certificate	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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
12 month Certificate	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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
48 month Certificate	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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
60 month Certificate	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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
6 month Certificate	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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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; 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: September 22, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
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; 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: September 22, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.88% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Membership Savings Account	0.15%	0.15%
Min Deposit $5 Details All balances Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
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: September 22, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Youth Savings Account	0.15%	0.15%
Min Balance $1,045 Details Balance: $1,044.69 or greater; 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: September 22, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Call Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	1.98%	2.00%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 - $249,999.99; Rates may change after account is opened. Last Dividend Declaration Date: September 15, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Accounts	1.74%	1.75%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99; Rates may change after account is opened. Last Dividend Declaration Date: September 15, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Accounts	1.49%	1.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; Rates may change after account is opened. Last Dividend Declaration Date: September 15, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Accounts	1.24%	1.25%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Rates may change after account is opened. Last Dividend Declaration Date: September 15, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Accounts	1.24%	1.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Rates may change after account is opened. Last Dividend Declaration Date: September 15, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Accounts	0.35%	0.35%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates may change after account is opened. Last Dividend Declaration Date: September 15, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Call Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	0.05%	0.05%
Details All balances Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Call Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Mortgages for Refinance - 10 Year	6.375%	2 Points	7.019%	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: October 8, 2026. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.50% → 7.02% ▲ 0.52 pts · high 7.04% / low 6.50% Oct 9, 20267.02%▲ from 6.93% Oct 5, 20266.93%▼ from 7.04% Sep 29, 20267.04%▲ from 6.86% Sep 25, 20266.86%▲ from 6.62% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgages for Home Purchase - 10 Year	6.375%	2 Points	7.044%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 6.52% → 7.04% ▲ 0.52 pts · high 7.06% / low 6.52% Oct 9, 20267.04%▲ from 6.95% Oct 5, 20266.95%▼ from 7.06% Sep 29, 20267.06%▲ from 6.63% Sep 17, 20266.63%▲ from 6.52% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgages for Refinance - 15 Year	6.625%	1.750 Points	7.044%	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: October 8, 2026. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.55% → 7.04% ▲ 0.49 pts · high 7.04% / low 6.55% Oct 9, 20267.04%▲ from 6.95% Oct 5, 20266.95%▼ from 7.00% Sep 29, 20267.00%▲ from 6.83% Sep 25, 20266.83%▲ from 6.65% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgages for Home Purchase - 15 Year	6.625%	1.750 Points	7.063%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 6.56% → 7.06% ▲ 0.50 pts · high 7.06% / low 6.56% Oct 9, 20267.06%▲ from 6.96% Oct 5, 20266.96%▼ from 6.99% Sep 29, 20266.99%▲ from 6.66% Sep 17, 20266.66%▲ from 6.56% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgages for Refinance - 20 Year	7.00%	2 Points	7.375%	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: October 8, 2026. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.86% → 7.38% ▲ 0.51 pts · high 7.50% / low 6.86% Oct 9, 20267.38%▼ from 7.49% Oct 5, 20267.49%▼ from 7.50% Sep 29, 20267.50%▲ from 7.28% Sep 25, 20267.28%▲ from 6.98% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgages for Home Purchase - 20 Year	7.00%	2 Points	7.391%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 6.87% → 7.39% ▲ 0.52 pts · high 7.52% / low 6.87% Oct 9, 20267.39%▼ from 7.51% Oct 5, 20267.51%▼ from 7.52% Sep 29, 20267.52%▲ from 6.99% Sep 17, 20266.99%▲ from 6.87% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgages for Refinance - 30 Year	7.625%	0.250 Points	7.739%	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: October 8, 2026. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 7.22% → 7.74% ▲ 0.52 pts · high 7.89% / low 7.22% Oct 9, 20267.74%▼ from 7.89% Oct 5, 20267.89%▲ from 7.64% Sep 29, 20267.64%▲ from 7.53% Sep 25, 20267.53%▲ from 7.33% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgages for Home Purchase - 30 Year	7.625%	0.250 Points	7.752%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 7.23% → 7.75% ▲ 0.53 pts · high 7.90% / low 7.23% Oct 9, 20267.75%▼ from 7.90% Oct 5, 20267.90%▲ from 7.65% Sep 29, 20267.65%▲ from 7.33% Sep 17, 20267.33%▲ from 7.23% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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; 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Loan	-	-	6.25%	10 Years
Details Published APR range: 6.250% - 11.125%. As Low As; 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Loan	-	-	6.50%	15 Years
Details Published APR range: 6.50% - 11.250%. As Low As; 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Interest-Only Home Equity Line of Credit (HELOC)	-	-	6.75%	20 Years
Details Published APR range: 6.75% - 8.425%. As Low As; Variable; 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. 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Traditional Home Equity Line of Credit (HELOC)	-	-	6.75%	15 Years
Details Published APR range: 6.75% - 8.425%. As Low As; Variable; 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. 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: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
HELOC Personal 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: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years	-	-	3.99%	37 - 48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years	-	-	3.99%	49 - 60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years	-	-	4.24%	61 - 72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Car Loans: 2022 - Newer Model Years	-	-	4.74%	73 - 84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Car Loans: 2017 - 2021 Model Years	-	-	4.74%	Up to 36 months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Car Loans: 2017 - 2021 Model Years	-	-	4.74%	2021 months
Details Additional APR listed for this product: 5.24%, 5.74%. Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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 Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorhome & Camper Recreational Vehicle Loan	-	6.74%	Up to 36 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycle & ATV / UTV Loans	-	6.75%	37 - 48 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycle & ATV / UTV Loans	-	6.75%	49 - 60 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	7.24%	Up to 36 months
Details Rates Effective Date: September 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycle & ATV / UTV Loans	-	7.25%	61 - 72 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorhome & Camper Recreational Vehicle Loan	-	7.25%	37 - 48 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorhome & Camper Recreational Vehicle Loan	-	7.25%	49 - 60 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	7.75%	37 - 48 months
Details Rates Effective Date: September 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	7.75%	49 - 60 months
Details Rates Effective Date: September 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorhome & Camper Recreational Vehicle Loan	-	7.75%	61 - 72 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycle & ATV / UTV Loans	-	8.00%	73 - 84 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	8.25%	61 - 72 months
Details Rates Effective Date: September 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorhome & Camper Recreational Vehicle Loan	-	8.50%	73 - 84 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	9.00%	73 - 84 months
Details Rates Effective Date: September 1, 2026. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorhome & Camper Recreational Vehicle Loan	-	9.25%	85 - 120 Months
Details Rates Effective Date: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Call Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
HELOC Personal 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: October 1, 2026. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Call Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Traditional & Roth IRAs	0.60%	-	0.60%
Details Average Daily Balance: All balances Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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.
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Financial Health History

Call Federal Credit Union’s Texas Ratio rose from 0.54% in Q3 2023 to 2.74% in Q2 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
June 30, 2026	$557M	2.74%	5.0	A+
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+

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 7

ATM Locations 7

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

2.74%

Return on Assets (ROA)

0.1408%

Return on Equity (ROE)

1.3448%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

557,104,786

Total Amount of Shares and Deposits

497,747,330

Total Shares and Deposits < 1 Year

487,133,023

Total Shares and Deposits 1 3 Years

10,094,638

Total Shares and Deposits > 3 Years

519,669

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

42,730,973

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

42,730,973

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

455,016,357

Total Interest Expense (Sum of items 6 8)

1,785,639

Share Certificates

1,073

Number of Accounts for Share Drafts

21,325

IRA KEOGH Accounts

710

Number of Accounts for Regular Shares

32,920

All other shares

473

Money Market Shares

1,213

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)

42,221,127

Total Liabilities

507,108,707

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Call Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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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.

Current Call Federal Credit Union Rates

12-Month CD3.25%
24-Month CD3.50%
60-Month CD3.25%
Savings6.00%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Call Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Call Federal Credit Union Texas Ratio

Call Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Call Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Call Federal Credit Union

How many branches does Call Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Call Federal Credit Union offer online and mobile banking?

Current Call Federal Credit Union Rates

Compare to Other Credit Unions