Auto Loans

Consider this the friends & family rate.

As an experienced local lender, we understand the specific needs of our community in real time. So, we're giving you options.
  • Purchase a new or used vehicle
  • Rates as low as 1.99% APR* for up to 60 months
  • Move your loan to us

With decades of experience, Capital Credit Union makes it simple to get the financing you need so you're ready to buy your next vehicle.

Auto Loans

  • Rates as low as 1.99% APR* for up to 60 months on new and used cars, trucks, SUVs and vans
  • Choose from a wide range of repayment terms
  • Fast, friendly, efficient service

Affordable Warranty Packages

  • Route 66 for autos, motorcycles and ATVs: From mechanical fixes to major repairs, this comprehensive warranty provides all of the coverage you need without the high price tag.3
  • Guaranteed Asset Protection (GAP): If your vehicle is stolen or damaged beyond repair, GAP pays the difference between your loan balance and the amount you receive from insurance.
    • Includes Auto Deductible Reimbursement (ADR): Pays up to $500 per loss (unlimited losses per year) when a loss is filed and paid by the auto insurance company for a covered auto the member owns or leases as evidenced by the title, registration or loan document, and is insured under an auto insurance policy designating the member as the named insured. If the member suffers a loss during the benefit period which is covered by the member's auto insurance policy, the member may be entitled to reimbursement of the auto insurance policy deductible amount up to $500 per loss. To be eligible for reimbursement, the member must own or lease and insure the covered auto under an auto insurance policy designating the member as the auto policy named insured.

*As of 6/22/2020, the fixed Annual Percentage Rate for secured consumer auto loans with terms of 60 months or less ranged from 1.99% to 19.39% based on credit qualifications. Terms, rates and conditions may vary and are subject to change without notice. Longer terms available at higher rates. Auto pay is required. All loans subject to credit approval. Special 1.99% rate does not apply to the refinancing of existing Capital Credit Union loans. Cannot be combined with other discounts or offers. Maximum of 100% LTV plus tax, title, license based on the lesser value of purchase price or National Auto Dealers Association value. Other restrictions may apply. Offer valid through 9/30/2020. Promotion may end without notice.

3Warranty packages are an additional cost.

When you borrow from Capital Credit Union, you pay interest on the unpaid loan balance. There are no penalties for paying off your loan early. Payment by payroll deduction is also available. Credit Life and Credit Disability Insurance are both offered at a low rate. Interest rates are very competitive with other financial institutions. Several options are also available that offer automatic repayments.

View Consumer Loan Disclosures