Credit union · NCUA insured
La Capitol Federal Credit Union Auto Loan Rates
La Capitol Federal Credit Union auto loans start at 5.79% APR for a new vehicle and 6.79% for a used one. Rates checked October 16, 2026.
How La Capitol Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baton Rouge, LA, where La Capitol Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
La Capitol Federal Credit Union
5.79%APR
- Terms
- 61–66 months
New Vehicle Loan
Lowest rate
Formation Credit Union
3.15%APR
- Terms
- up to 72 months
2nd-lowest rate
Baton Rouge City Parish Employees FCU
3.99%APR
- Terms
- up to 84 months
La Capitol Federal Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.79%
- Used vehicleUsed6.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where La Capitol 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.
Auto Refinance
Available for transferred vehicle loans currently with other financial institutions; does not apply to vehicles currently financed through La Capitol Federal Credit Union. Actual rate based on credit history, loan amount, and loan term. Minimum auto loan amount is $7,500. Cash incentive up to $100 available on balances of $8,000 or above on 2023 or newer models.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Refinance your vehicle with rates as low as 5.49% APR. Terms match new/used vehicle loan schedules. |
Sources (1)
- lacapfcu.org/auto-refinance · captured Oct 16, 2026
New Vehicle Loan
Membership required ($5.00 par balance in primary savings). Subject to credit approval. Minimum auto loan amount is $7,500. Rates, LTV, and terms based on credit criteria and worthiness. New vehicle rates apply to model year 2023 and newer.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.49% | — |
| 37–48 months | 5.49% | — |
| 49–60 months | 5.79% | — |
| 61–66 months | 5.79% | Available on amounts $15,000 & above. Certain conditions apply. |
| 67–75 months | 5.89% | Available on amounts $15,000 & above. Certain conditions apply. |
| 76–78 months | 6.04% | Available on amounts $30,000 & above on current and one year prior models. Certain conditions apply. |
| 79–84 months | 6.19% | Available on amounts $30,000 & above on current and one year prior models. Certain conditions apply. |
Used Auto Loan
Membership required (primary savings balance $5.00). Model year 2022 and older. Minimum loan amount $7,500. Rates depend on term and model year.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 6.49% | 2019-2022 Model Years. Available on amounts $7,500 & above. Certain conditions apply. |
| 1–36 months | 8.49% | 2018 and Older Model Years. Available on amounts $7,500 & above. Certain conditions apply. |
| 37–48 months | 6.49% | 2019-2022 Model Years. Available on amounts $7,500 & above. Certain conditions apply. |
| 37–48 months | 8.49% | 2018 and Older Model Years. Available on amounts $7,500 & above. Certain conditions apply. |
| 49–60 months | 6.79% | 2019-2022 Model Years. Available on amounts $7,500 & above. Certain conditions apply. |
| 49–60 months | 8.79% | 2018 and Older Model Years. Available on amounts $7,500 & above. Certain conditions apply. |
| 61–66 months | 6.79% | 2019-2022 Model Years. Available on amounts $7,500 & above. Certain conditions apply. |
| 61–66 months | 8.79% | 2018 and Older Model Years. Available on amounts $7,500 & above. Certain conditions apply. |
| 67–75 months | 6.89% | 2019-2022 Model Years. Available on amounts $7,500 & above. Certain conditions apply. 2018 and Older Model Years rates not stated. |
Who can join La Capitol Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.