Lock, Shop & Roll

Lock your auto rate for 6 months.*

You may not know what vehicle you want yet, but you can be certain the auto or recreational vehicle rate you get today will stay the same for six months when you finance at Capital Credit Union. So, lock your rate today and buy yourself six months of stress-free shopping.


*Effective 7/1/2022; applies only to auto and recreational vehicle loans. Maximum Interest Rate is the rate established at application, subject to loan approval and the execution of an agreement to lock the rate. The Maximum Interest Rate may vary based on credit qualifications and other factors as established by the Credit Union, and it will be the current rate the member qualifies for at the Credit Union at the time of application plus 0.50%. The Maximum Interest Rate is locked for 180 days from loan approval. The Maximum Interest Rate will include all applicable discounts which may include a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Cannot be combined with any other offer. The Credit Union may revoke the Maximum Rate Lock at any time before loan closing. Final rate will be the lower of the standard current rate at loan closing or the Maximum Interest Rate. Does not apply to indirect loans. All loans subject to credit approval at time of application. Fees may apply. Programs, terms and conditions are subject to change without notice. 

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.

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