Credit union · NCUA insured
Call Federal Credit Union Auto Loan Rates
Top CarrotCall Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 4.74% for a used one. Rates checked October 15, 2026.
How Call Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Call Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Car Loans: 2022 – Newer Model Years
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Call Federal Credit Union auto loan score
91
Auto loan score
Higher than 91% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Call Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Car Loans: 2022 – Newer Model Years
For 2022 and newer model years. Rates assume top-tier credit and maximum discounts via the Rate Discount Program (up to 0.75% total discount). Available for purchase or refinance. Financing up to 84 months. Option to make no payments for up to 60 days (interest accrues). Free Skip-A-Pay available within first 18 months. RateFlex modification available when credit improves.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Assumes top-tier credit and maximum discount. |
| 37–48 months | 3.99% | Assumes top-tier credit and maximum discount. |
| 49–60 months | 3.99% | Assumes top-tier credit and maximum discount. |
| 61–72 months | 4.24% | Assumes top-tier credit and maximum discount. |
| 73–84 months | 4.74% | Assumes top-tier credit and maximum discount. |
Sources (2)
All captured Oct 4, 2026
Used Car Loans: 2017 – 2021 Model Years
For 2017 – 2021 model years. Rates assume top-tier credit and maximum discounts via the Rate Discount Program (up to 0.75% total discount). Available for purchase or refinance. Financing up to 84 months. Option to make no payments for up to 60 days (interest accrues). Free Skip-A-Pay available within first 18 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Assumes top-tier credit and maximum discount. |
| 37–48 months | 4.74% | Assumes top-tier credit and maximum discount. |
| 49–60 months | 4.74% | Assumes top-tier credit and maximum discount. |
| 61–72 months | 5.24% | Assumes top-tier credit and maximum discount. |
| 73–84 months | 5.74% | Assumes top-tier credit and maximum discount. |
Sources (2)
All captured Oct 4, 2026
Who can join Call Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.