Credit union · NCUA insured
CapEd Credit Union Auto Loan Rates
CapEd Credit Union auto loans start at 5.59% APR for a new vehicle and 5.59% for a used one. Rates checked October 22, 2026.
How CapEd Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boise City, ID, where CapEd Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CapEd Credit Union
5.59%APR
- Terms
- 24–96 months
Auto Loan Financing
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
2nd-lowest rate
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
CapEd Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CapEd 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.
Auto Loan Financing
Financing available for new and used vehicles. Terms available up to 96 months on approved credit. No application fee. Rates listed are base rates based on a credit score of 740 or higher before eligible discounts. A 0.25% discount is available for borrowers with an 800 credit score or higher. Lowest rates available on loan terms up to 60 months and loan-to-value not exceeding 90%. ITIN lending options available. 1% cash back available on auto loan refinancing.
| Terms | APR | Conditions |
|---|---|---|
| 24–96 months | 5.59% | Vehicle model year 2021 and newer (2021+). Sample payment is $23.30 per $1,000 borrowed for 48 months. Base rate requires a credit score of 740 or higher. |
| 24–72 months | 6.59% | Vehicle model years 2016 - 2020. Sample payment is $23.76 per $1,000 borrowed for 48 months. Base rate requires a credit score of 740 or higher. |
| 24–60 months | 7.59% | Vehicle model years 2011 - 2015. Sample payment is $24.22 per $1,000 borrowed for 48 months. Base rate requires a credit score of 740 or higher. |
Who can join CapEd Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.