Call Credit Union Richmond VA | Low Mortgage Rates & Business Banking

Introduction

Welcome to Call Federal Credit Union, your trusted financial partner located at 4605 Commerce Rd, Richmond, VA 23234. Since our establishment in 1962, we have been dedicated to providing exceptional service and support to our 28,445 members. With total assets amounting to a robust $520,547,272, we are committed to fostering financial growth and stability within our community. At Call Federal, we understand the importance of personalized banking solutions. Our extensive range of services includes everything from checking and savings accounts to auto loans and mortgage refinancing. In fact, our total loans and leases stand at an impressive 12,454, demonstrating our commitment to helping you achieve your financial goals. While members can visit us at our branch address, official correspondence should be sent to the same location: 4605 Commerce Rd, Richmond, VA 23234-2233. We also pride ourselves on maintaining a strong community presence through initiatives that benefit local residents and businesses alike. Under the leadership of CEO John West and Board President James Horne, Jr., our team of 113 employees is here to ensure that you receive the support you need whenever you need it. With a net worth of $56,556,122 and total deposits reaching $42,876,438, we are not just a credit union; we are a reliable resource for all your financial needs. We invite you to explore what makes us different. Whether you're looking for competitive loan rates or convenient online banking options, we're here to help. Feel free to call us at 804-274-1200 or visit our website at callfcu.org for more information. Let's work together towards a brighter financial future!

Branch History & Mission

Commitment to Innovation

In today's digital world, we understand the importance of convenience and accessibility. That's why we've embraced technology through online banking and mobile applications designed for user-friendly experiences. Our commitment extends beyond just services; we prioritize ADA compliance and customer-centric initiatives to ensure everyone feels welcome at Call Federal.

Join Us!

As we continue our journey into the future, we invite you to be part of this vibrant community at Call Federal Credit Union. Experience firsthand how we combine traditional values with modern solutions tailored just for you. Let us help you unlock your financial potential today! For more information or to get started with an account application, visit us online or call us at 804-274-1200.

Our Journey

From our humble beginnings at 4605 Commerce Rd, Richmond, VA 23234, we have expanded our services and facilities to better meet the needs of our members. Our branch has become a trusted place for personal banking, auto loans, mortgages, and business banking solutions. With the convenience of drive-thru banking and ATM availability, we ensure that accessing your finances is as easy as possible. While members can visit us at our main office for all their banking needs, official correspondence should be sent to the same address. We're located near key landmarks like Chesterfield Towne Center, making it easy for you to find us.

Our Mission

Our mission at Call Federal is clear: we are dedicated to providing exceptional financial services while fostering a sense of community among our members. We believe that strong relationships lead to better financial outcomes. That's why we focus on personalized service tailored to meet individual needs. Whether you're looking for checking accounts or need assistance with debt consolidation, we are here to help. We also take pride in our community outreach efforts and partnerships that further enhance the well-being of those around us. From educational workshops to local sponsorships, Call Federal is invested in making a positive impact within Richmond.

Branch Location & Accessibility

Welcome to Call Credit Union, your friendly neighborhood financial partner located at 4605 Commerce Rd in Richmond, VA. Nestled in Chesterfield County, our branch is easily accessible and designed to meet your banking needs. Whether you're coming from nearby landmarks like the Virginia State Fairgrounds or the bustling local shops, finding us is a breeze. At Call, we understand that convenience matters. Our location features ample parking, making it easy for you to drop by for all your banking needs. Plus, we're proud to be fully ADA compliant with ramps and accessible features for everyone. Our lobby hours are designed with your busy schedule in mind we're open Monday through Friday from 9 AM to 5 PM. Need cash? No problem! We have an ATM available on-site for quick withdrawals and balance checks. If you prefer doing things from the comfort of your car, take advantage of our drive-thru banking services for deposits and simple transactions. While you can always visit us at our Richmond branch, please remember that official correspondence should be sent to our mailing address: 4605 Commerce Rd, Richmond, VA 23234-2233. We offer a wide range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. And if you're looking for business solutions, we've got those too! If you have any questions or need assistance, don't hesitate to give us a call at 804-274-1200. We're here to help! Come by and see how we can assist you today.

Member Eligibility

At Call, we believe that everyone deserves the chance to be part of a caring and supportive financial community. If you're looking to join us, you'll be pleased to know that membership is open to individuals who live, work, worship, or attend school in our local area. This means that whether you're a longtime resident of Richmond or just starting a new chapter here, you can enjoy the benefits of being a member. We offer a range of services designed to meet your personal and financial needs, making it easy for you to thrive with us. Becoming a member is straightforward! You can find more details about eligibility criteria by visiting this page. If you're ready to take the next step, opening an account is simple just check out our account opening process at this link or give us a call at (804) 274-1200. Our friendly team is eager to help you start your journey with Call, located at 4605 Commerce Rd Richmond Va 23234. Join us today and experience the difference of being part of our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services designed to streamline transactions and enhance customer experience. Picture this: your customers can easily pay through various methods while you enjoy faster processing times and lower fees. It's a win-win! Join us at Call located at 4605 Commerce Rd Richmond Va 23234 in Richmond, VA, and let's discuss how we can empower your business journey today! For more information, call us at (804) 274-1200.

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $33 in non-member commercial loans, providing flexible financing solutions. Imagine having access to tailored financing options that help you purchase equipment, manage cash flow, or expand your operations. With our competitive rates and personalized service, you can focus on what matters most growing your business.

Comprehensive List Of Services

Business Banking

If you're a business owner, we've got you covered too! Our Business Banking solutions include essential services such as Merchant Services and Business Loans designed to help you grow and manage your enterprise effectively.

Credit Cards

Our Credit Cards with Rewards are perfect for members looking to earn while they spend. Picture earning points on everyday purchases that lead to cashback or travel rewards it's like getting paid for shopping!

Digital Banking

With today's fast-paced world, having access to your accounts anytime is crucial. That's why we offer robust Online & Mobile Banking features. Whether checking balances from the comfort of home or making quick transfers on the go, managing your finances has never been easier. You can also enjoy secure ATM & Cash Withdrawal Services, ensuring that cash is always within reach.

Drive-Thru and Shared Branch Transactions

For those who prefer face-to-face interactions, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. Additionally, if you're a member of another participating credit union, our Basic Shared Branch Transactions make it easy for you to access funds from partner institutions. At Call, we prioritize convenience and accessibility in all our services. Our friendly team is here to assist you every step of the way. If you'd like to learn more about any of these offerings or have specific questions about how we can assist you financially, don't hesitate to reach out! Feel free to give us a call at (804) 274-1200, visit us at our branch location in Richmond, VA, or check out our website at Main Office. We look forward to serving you!

Personal Banking

We offer various personal banking options to help you manage your day-to-day finances effortlessly. Our Checking & Savings Accounts provide flexibility and convenience, allowing you to access your funds easily. Imagine having a reliable account where you can deposit your paycheck and watch your savings grow over time. When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing ensure that you can drive away with the car of your dreams without breaking the bank. With competitive rates and tailored terms, we make financing simple and straightforward. If homeownership is on your mind, our Mortgage Loans & Refinancing options can guide you through the process, whether you're buying a new home or refinancing an existing mortgage for better rates. We understand that every penny counts when it comes to managing a household budget. For those unexpected expenses or plans that require extra cash, our Personal Loans & Debt Consolidation services can help you consolidate debt or fund personal projects with ease.

Digital & Online Banking

Accessibility and Ease of Use

With Call's digital banking services, managing your money has never been easier. Accessing your accounts is straightforward, allowing you to keep track of your financial activities in real time. Whether you're at home or on the move, our online services empower you with the tools necessary for effective financial management. Join us today and experience the freedom of digital banking with Call!

Key Features

You can enjoy the peace of mind that comes with using our secure electronic signature authorization process. This means you can sign documents online without needing to visit us in person. Plus, if you prefer going paperless, we offer e-statements for easy access to your account statements without the clutter of paperwork. Need to send money to a friend? Our person-to-person transfer feature lets you quickly and easily send money directly from your account. While mobile payments are not currently available, our team is constantly exploring ways to enhance your banking experience.

Financial Strength

At Call, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, knowing your credit union is financially strong is crucial. That's why we are committed to maintaining a solid foundation that benefits every member. With a net worth of $56,556,122, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.86% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $38,970,268 in share certificates and $87,660,887 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $55,062,675 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is reflected in the $2,348 in used auto loans and $259,616,181 in total loans and leases available to support your financial goals across various sectors. Our operational efficiency shines through with $286,156, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 110 full-time employees and 3 part-time employees dedicated to ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our net shares (funds available for lending and investments) stand at $542,456, further showcasing our ability to support our community effectively. With a growing base of 58,450 showing trust from our members, it's clear that Call is here for you now and into the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Call is your trusted partner. Visit us at 4605 Commerce Rd Richmond Va 23234 or call (804) 274-1200 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $33,739,143 in used vehicle loans and $14,984,171 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we provide options that suit various budgets and preferences.

Credit Lines

In addition to our other offerings, we have total credit lines amounting to $128,540,417. This can be an excellent option for those seeking additional flexibility in managing their finances. At Call, we are committed to providing personalized service and support throughout your borrowing journey. If you're considering refinancing or exploring eligibility options for any of our loan products, our team is here to assist you every step of the way. For more information on our loan products or to apply online, visit us at https://callfederal.org/ or stop by our branch during business hours. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you take the next steps toward achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $54,172,833, make buying or refinancing simple. We offer guidance throughout the process to help you secure the best deal possible.

Unsecured Credit Card Loans

For those looking to manage their finances effectively, we also offer flexible terms on unsecured credit card loans, with a total of $11,825,235 in loans available. These cards can help you build credit while providing access to funds when needed.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency is backed by the latest results from the NCUA, which you can verify at ncua.gov. By using only verified lenders, LendMesh guarantees that users receive fair and transparent offers. One of the standout features of LendMesh is its commitment to verified data. Loan offers are sourced exclusively from legitimate financial institutions, ensuring users have access to trustworthy options. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions, meaning users can expect unbiased results tailored to their needs. The platform also provides real-time rate comparisons, allowing users to stay updated with the latest loan rates from multiple institutions, making informed decisions easier than ever. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial exemplifies the value that many find in using LendMesh. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

CALL FEDERAL CREDIT UNION - Richmond, VA

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