The CapEd Credit Union is a auto loan from CapEd Credit Union. The ongoing APR is APR as low as: 2021 and newer 36 - 84 Months 8.84%; 2016 - 2020 36 - 84 Months 10.84% (rates listed are based on 740 or higher credit score and before any eligible discounts). Loan terms: Term Options for powersport loans: Up to 84 months.