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%, Savings: 0.15%, MMA: 0.35%

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Call Federal Credit Union

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Call Federal Credit Union Rates & Review August 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: August 28, 2026

Call Federal Credit Union's 24 month CD Accounts rates are at 3.50%, 12 month CD Accounts rates are at 3.25%, 6 month CD Accounts rates are at 2.50%. 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 - 15 Year rates are at 5.75%, Conventional Fixed Mortgages for Home Purchase rates are at 5.75%, Conventional Fixed Mortgages for Refinance - 10 Year rates are at 5.62%, Conventional Fixed Mortgages for Home Purchase rates are at 5.62%, Conventional Fixed Mortgages for Refinance - 20 Year rates are at 6.25%. Call Federal Credit Union's Personal Loan Rates are at 3.99%. 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 1.61%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.61%

Excellent Lower than avg

Call Federal Credit Union
Main Office

4605 Commerce Rd
Richmond, VA 23234 2233

https://www.callfcu.org

Call Federal Credit Union CD Rates

Product	Rate	APY	Term
24 month Certificate Accounts	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 month Certificate Accounts	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
6 month Certificate Accounts	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Call Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings Account	5.87%	6.00%
Min Balance $0 Details 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 Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Youth Savings Account	5.87%	5.88%
Min Balance $1,000 Details 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 Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Primary Savings Account	0.15%	0.15%
Min Deposit $5 Details Rate may change after an account is opened. Last Dividend Declaration Date for Savings: June 23, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Secondary Savings Account	0.15%	0.15%
Min Deposit $5 Details Rate may change after an account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Youth Savings Account	0.15%	0.15%
Min Balance $1,045 Details 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 Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Call Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	2.47%	2.50%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Market Accounts	1.98%	2.00%
Min Balance $200,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Market Accounts	1.74%	1.75%
Min Balance $150,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Market Accounts	1.49%	1.50%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Market Accounts	1.24%	1.25%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Market Accounts	0.35%	0.35%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Call Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	0.05%	0.05%
Details All balances Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Call Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Mortgages for Refinance - 15 Year	5.75%	1.875 Points	6.17%	15 Year
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Conventional Fixed Mortgages for Home Purchase	5.75%	1.875 Points	6.18%	15 Year
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Conventional Fixed Mortgages for Refinance - 10 Year	5.63%	1.875 Points	6.22%	10 Year
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Conventional Fixed Mortgages for Home Purchase	5.63%	1.875 Points	6.23%	10 Year
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Conventional Fixed Mortgages for Refinance - 20 Year	6.25%	2 Points	6.60%	20 Year
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Conventional Fixed Mortgages for Home Purchase	6.25%	2 Points	6.61%	20 Year
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Conventional Fixed Mortgages for Home Purchase	6.50%	1.625 Points	6.74%	30 Year (+ Points)
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Conventional Fixed Mortgages for Refinance - 30 Year	6.88%	0.250 Points	6.98%	30 Year
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Conventional Fixed Mortgages for Home Purchase	6.88%	0.250 Points	6.98%	30 Year
Details Rates displayed assume excellent credit, 70% or less combined loan -to- value. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Call Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.25%	7 Years
Details As Low As; 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: August 1, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Home Equity Loan	-	-	6.25%	10 Years
Details As Low As; 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: August 1, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Home Equity Loan	-	-	6.50%	15 Years
Details As Low As; 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: August 1, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Interest-Only Home Equity Line of Credit (HELOC)	-	-	6.75%	20 Years
Details 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. 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. .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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Traditional Home Equity Line of Credit (HELOC)	-	-	6.75%	15 Years
Details 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%. Discount of 0.50% 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
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: August 1, 2026. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Call Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loans: 2022 - Newer Model Years	-	-	3.99%	Up to 36
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Car Loans: 2017 - 2021 Model Years	-	-	4.74%	Up to 36 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Car Loans: 2017 - 2021 Model Years	-	-	5.24%	2021 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Car Loans: 2017 - 2021 Model Years	-	-	5.74%	2021 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Call Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	12.00%
Details Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Visa Platinum Rewards Credit Card	-	13.75%
Details Rate will vary and based on the prime rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Visa Platinum Secured Credit Card	-	18.00%
Details Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

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.

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 4605 Commerce Rd, Richmond, VA 23234 2233

Phone 804-274-1200

Fax 804-274-1266

President James Horne Jr

CEO John West

Full-Time Employees 116

Part-Time Employees 5

Branch Locations 9

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

1.61%

Return on Assets (ROA)

0.2451%

Return on Equity (ROE)

2.3069%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

538,521,801

Total Amount of Shares and Deposits

481,363,150

Total Shares and Deposits < 1 Year

473,313,148

Total Shares and Deposits 1 3 Years

7,211,321

Total Shares and Deposits > 3 Years

838,681

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

39,169,599

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

39,169,599

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

442,193,551

Total Interest Expense (Sum of items 6 8)

2,895,783

Share Certificates

1,055

Number of Accounts for Share Drafts

21,372

IRA KEOGH Accounts

755

Number of Accounts for Regular Shares

33,149

All other shares

423

Money Market Shares

1,139

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)

45,150,586

Total Liabilities

490,027,116

Source: NCUA — Last Updated 09/30/2025

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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.