Credit union · NCUA insured
Capitol Credit Union Auto Loan Rates
Top CarrotCapitol Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Capitol Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where Capitol Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Capitol Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Capitol Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Capitol 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 Loans
Capitol Credit Union membership required. Subject to credit approval and underwriting guidelines. Available for new or used vehicles; new money / new loans only (existing Capitol Credit Union loans are not eligible for in-house refinance). Collateral subject to approval. Qualifying borrowers may defer payments for up to 90 days (deferral increases total interest paid).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rate is for new loans only; not eligible for in-house refinance (new money only). |
| up to 48 months | 4.29% | — |
| up to 60 months | 4.49% | — |
| up to 66 months | 4.79% | — |
| up to 72 months | 4.99% | — |
| up to 84 months | 5.99% | — |
Sources (1)
- ccutx.org/borrow/secured-loans/auto-loans · captured Oct 6, 2026
Who can join Capitol Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Travis County, as well as any business located in the County, is eligible for membership.
Cost to join
- A minimum required Share Deposit of $5.00 is required.
Membership information collected October 5, 2026.