The CapEd Credit Union is a personal loan from CapEd Credit Union. The ongoing APR is Up to $1,500: 6 months 0.00%, 12 months 0.00%; $1,501 - $3,000: 6 months 1.00%, 12 months 2.00%, 18 months 3.00%, 24 months 4.00%. Typical credit limit: You can borrow up to $3,000 in up to a 24 month loan term.. Loan terms: Up to 24 months.