Cencap

hartford, Connecticut
Last verified: July 9, 2026

As of July 9, 2026, Cencap offers a money_market mortgage at 1.55% APR (1.54% rate, 0 points). Auto loans available from 6.5% APR. HELOC rates from 7.75% APR. Personal loan rates from 4% APR.

Source: RateAPI.dev, verified from Cencap's official website

Mortgage Rates

Rates as of July 9, 2026

money_market
1.550% APR
Rate1.540%
Points0
Money Market
ira
3.650% APR
Rate3.650%
Points0
IRA Savings Account
cd_12mo
3.650% APR
Rate3.650%
Points0
12 Months
cd_18mo
3.700% APR
Rate3.700%
Points0
18 Months
cd_24mo
3.700% APR
Rate3.700%
Points0
24 Months
cd_36mo
3.750% APR
Rate3.750%
Points0
36 Months
savings
5.750% APR
Rate5.750%
Points0
Energy Saver Loans
cd_60mo
10.000% APR
Rate10.000%
Points0
60 Months
cd_48mo
12.750% APR
Rate12.750%
Points0
48 Months
ploc_variable
13.750% APR
Rate13.750%
Points0
Overdraft Line of Credit

Auto Loan Rates

Rates as of July 9, 2026

auto_new
6.500% APR
Rate6.500%
New Car
auto_used
7.250% APR
Rate7.250%
Used Car - greater than 100,000 Miles
auto_used
7.250% APR
Rate7.250%
Used Car - less than 100,000 Miles
auto
8.500% APR
Rate8.500%
Recreational Vehicles
auto
10.000% APR
Rate10.000%
Motorcycles
credit_card
13.250% APR
Rate13.250%
Credit Card

HELOC Rates

Rates as of July 9, 2026

heloc_variable
7.750% APR
Rate7.750%
Home Equity Line of Credit - HELOC

Personal Loan Rates

Rates as of July 9, 2026

personal_secured
4.000% APR
Rate4.000%
Certificate Secured Loans
personal
5.750% APR
Rate5.750%
Solar Loans
personal_unsecured
11.750% APR
Rate11.750%
Signature Loans with Collateral
personal_unsecured
12.750% APR
Rate12.750%
Signature - Unsecured

Frequently Asked Questions

What rates does Cencap offer?

Cencap currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are Cencap rates updated?

RateAPI verifies Cencap's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get Cencap's rate data?

Rate data is collected directly from Cencap's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Cencap's mortgage rate?

As of July 9, 2026, Cencap offers a money_market mortgage at 1.55% APR.

What is Cencap's auto loan rate?

As of July 9, 2026, Cencap offers auto loans from 6.5% APR.

Related Rate Data

Compare Cencap's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Cencap
curl "https://api.rateapi.dev/credit-unions/connecticut/cencap" \
  -H "Authorization: Bearer YOUR_API_KEY"