The CapEd Credit Union is a auto loan from CapEd Credit Union. The ongoing APR is APR as low as: 2021 and newer 24 - 96 Months 5.59%; 2016 - 2020 24 - 72 Months 6.59%; 2011 - 2015 24 - 60 Months 7.59% (rates listed are based on 740 or higher credit score and before any eligible discounts). Loan terms: terms available from 24 to 96 months; Term Options for auto loans: Up to 96 months.