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: 2.50%

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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 13, 2026

Call Federal Credit Union's top rates as of October 13, 2026 are 3.50% APY on its CD Accounts - 24 month, 6.00% APY on savings, 2.50% APY on money market accounts, 0.05% APY on checking, 6.38% on its Conventional Fixed Mortgage 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 CD Accounts - 36 month at 3.50%, CD Accounts - 12 month at 3.25%, and CD Accounts - 48 month at 3.25%. Other Call Federal Credit Union mortgage rates include Conventional Fixed Mortgage for Home Purchase - 10 Year at 6.38%, Conventional Fixed Mortgage for Refinance - 15 Year at 6.62%, and Conventional Fixed Mortgage 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 10/13/2026.

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
Certificate Accounts - 24 month	3.45%	3.50%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Rate; Last Dividend Declaration Date for Certificates: October 1, 2026; Fees may reduce earnings; A penalty may be imposed for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Certificate Accounts - 36 month	3.45%	3.50%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Rate; Last Dividend Declaration Date for Certificates: October 1, 2026; Fees may reduce earnings; A penalty may be imposed for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Certificate Accounts - 12 month	3.20%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Rate; Last Dividend Declaration Date for Certificates: October 1, 2026; Fees may reduce earnings; A penalty may be imposed for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Certificate Accounts - 48 month	3.20%	3.25%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Rate; Last Dividend Declaration Date for Certificates: October 1, 2026; Fees may reduce earnings; A penalty may be imposed for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Certificate Accounts - 60 month	3.20%	3.25%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Rate; Last Dividend Declaration Date for Certificates: October 1, 2026; Fees may reduce earnings; A penalty may be imposed for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Certificate Accounts - 6 month	2.47%	2.50%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividend Rate; Last Dividend Declaration Date for Certificates: October 1, 2026; Fees may reduce earnings; A penalty may be imposed for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 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; Must be 17 years old or younger to open with a parent or legal guardian; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 8 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; Must be 17 years old or younger to open with a parent or legal guardian; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.88% APY · checked 8 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 Balance: All balances; Last Dividend Declaration Date for Savings: September 22, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 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 Balance: All balances; APY= Annual Percentage Yield. $5 minimum deposit required. Rate may change after an account is opened. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 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; Must be 17 years old or younger to open with a parent or legal guardian; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 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	2.47%	2.50%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 or greater; Dividend Rate 2.47%; Last Dividend Declaration Date: September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market Accounts	1.98%	2.00%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 - $249,999.99; Dividend Rate 1.98%; Last Dividend Declaration Date: September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 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; Dividend Rate 1.74%; Last Dividend Declaration Date: September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 8 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; Dividend Rate 1.49%; Last Dividend Declaration Date: September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 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; Dividend Rate 1.24%; Last Dividend Declaration Date: September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.25% 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 $50,000 Details Balance: $50,000.00 - $99,999.99; Dividend Rate 1.24%; Last Dividend Declaration Date: September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 7 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; Dividend Rate 0.35%; Last Dividend Declaration Date: September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 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 Balance: All balances Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 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 Mortgage for Refinance - 10 Year	6.375%	2	7.019%	10 Year
Details Rates assume excellent credit, 70% or less combined loan-to-value; Rates effective October 9, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.02% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgage for Home Purchase - 10 Year	6.375%	2.000	7.036%	10 Year
Details Rates displayed assume excellent credit, 70% or less combined loan-to-value. Rates Effective Date: October 9, 2026. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgage for Refinance - 15 Year	6.625%	1.750	7.044%	15 Year
Details Rates assume excellent credit, 70% or less combined loan-to-value; Rates effective October 9, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgage for Home Purchase - 15 Year	6.625%	1.750	7.057%	15 Year
Details Rates displayed assume excellent credit, 70% or less combined loan-to-value. Rates Effective Date: October 9, 2026. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgage for Refinance - 20 Year	7.00%	2	7.375%	20 Year
Details Rates assume excellent credit, 70% or less combined loan-to-value; Rates effective October 9, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgage for Home Purchase - 20 Year	7.00%	2.000	7.386%	20 Year
Details Rates displayed assume excellent credit, 70% or less combined loan-to-value. Rates Effective Date: October 9, 2026. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgage for Refinance - 30 Year	7.625%	0.250	7.739%	30 Year
Details Rates assume excellent credit, 70% or less combined loan-to-value; Rates effective October 9, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Conventional Fixed Mortgage for Home Purchase - 30 Year	7.625%	0.250	7.748%	30 Year
Details Rates displayed assume excellent credit, 70% or less combined loan-to-value. Rates Effective Date: October 9, 2026. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR 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 Loans - 7 Years	-	-	5.25%	7 Years
Details Published APR range: 5.250% - 9.250%. As Low As; Best rate assumes top-tier credit and 75% or less combined loan-to-value; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Loans - 10 Years	-	-	6.25%	10 Years
Details Published APR range: 6.250% - 11.125%. As Low As; Best rate assumes top-tier credit and 75% or less combined loan-to-value; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Loans - 15 Years	-	-	6.50%	15 Years
Details Published APR range: 6.50% - 11.250%. As Low As; Best rate assumes top-tier credit and 75% or less combined loan-to-value; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 10 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; Rates Effective Date: October 1, 2026; Maximum rate 18%; Interest-only payments during 10-year draw period; .50% discount for auto transfer from a Call Federal checking account; Property must be member's primary residence in Virginia Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 10 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; Assumes excellent credit, 80% or less combined loan-to-value, and 0.50% auto transfer discount from a Call Federal checking account; Rate subject to change quarterly based on WSJ Prime Rate; Maximum rate 15%; Rate Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
HELOC Personal Loans	-	-	8.00%
Details APR*; Best rate listed assumes top-tier credit and 0.75% discount for Discount Program qualifications; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 3 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
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 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%	37 - 48 Months
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 8 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
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 8 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
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.24% APR · checked 8 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
Details Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 8 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 Used car loan, 2017 - 2021 model years; Rates effective October 1, 2026; lowest rate assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 6 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; Lowest rate listed assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Recreational Vehicle Loans: Motorhome & Camper	-	6.74%	Up to 36 Months
Details Rates Effective Date: October 1, 2026; Lowest rate assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times 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; Lowest rate listed assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 7 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; Lowest rate listed assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	7.24%	Up to 36 months
Details Boat purchase must also include a motor and trailer; Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: September 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 7 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; Lowest rate listed assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Recreational Vehicle Loans: Motorhome & Camper	-	7.25%	37 - 48 Months
Details Rates Effective Date: October 1, 2026; Lowest rate assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Recreational Vehicle Loans: Motorhome & Camper	-	7.25%	49 - 60 Months
Details Rates Effective Date: October 1, 2026; Lowest rate assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	7.75%	37 - 48 months
Details Boat purchase must also include a motor and trailer; Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: September 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	7.75%	49 - 60 months
Details Boat purchase must also include a motor and trailer; Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: September 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Recreational Vehicle Loans: Motorhome & Camper	-	7.75%	61 - 72 Months
Details Rates Effective Date: October 1, 2026; Lowest rate assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 7 times 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; Lowest rate listed assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	8.25%	61 - 72 months
Details Boat purchase must also include a motor and trailer; Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: September 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Recreational Vehicle Loans: Motorhome & Camper	-	8.50%	73 - 84 Months
Details Rates Effective Date: October 1, 2026; Lowest rate assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loans	-	9.00%	73 - 84 months
Details Boat purchase must also include a motor and trailer; Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: September 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Recreational Vehicle Loans: Motorhome & Camper	-	9.25%	85 - 120 Months
Details Rates Effective Date: October 1, 2026; Lowest rate assumes top tier credit and all available discounts with Discount Program Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times 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 APR*; Best rate listed assumes top-tier credit and 0.75% discount for Discount Program qualifications; Rates Effective Date: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 3 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; Rates may change after account is opened; Last Dividend Declaration Date for Traditional & Roth IRAs: September 22, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 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.
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 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

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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%
MMA2.50%

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

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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