--- title: "Capital Area Realtors Credit Union Rates: Auto 7.29%, Mortgage 7.50%" description: "Capital Area Realtors Credit Union rates today: 30 year fixed mortgage 7.50% APR, auto loans from 7.29% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Capital Area Realtors Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/capital-area-realtors" last-updated: "2026-08-22" source: "https://rateapi.dev/llms.txt" --- # Capital Area Realtors Credit Union Rates: Auto 7.29%, Mortgage 7.50% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed**30 year fixed | 7.500% APR | 7.500% | — | Standard | | **15-Year Fixed**15 year fixed | 6.875% APR | 6.875% | — | Standard | | **30 Year FHA Loan**other | 7.500% APR | 7.500% | — | Standard | | **30 Year VA Loan**other | 7.500% APR | 7.500% | — | Standard | Capital Area Realtors Credit Union mortgage rates as of August 21, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan**auto_new | 7.290% APR | 6.490% | new | Standard | | **Used Auto Loan**auto_used | 7.790% APR | 6.990% | used | Standard | Capital Area Realtors Credit Union auto & vehicle rates as of August 21, 2026 As of August 21, 2026, Capital Area Realtors Credit Union offers a 30-year fixed mortgage at 7.5% APR. Auto loans available from 7.29% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/capital-area-realtors), verified from [Capital Area Realtors Credit Union's official website](https://www.carfcu.org/) Best product position**Room to improve vs. the Maryland median**30-year fixed mortgage Gap to state best**188 bp**188 bp from state best Vs. state median**81 bp behind median**30-year fixed mortgage Products ranked**3**across tracked Maryland markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.50% | Room to improve vs. the Maryland median | 188 bp from state best | 81 bp behind median | | new-car loan | 7.29% | Room to improve vs. the Maryland median | 430 bp from state best | 202 bp behind median | | used-car loan | 7.79% | Room to improve vs. the Maryland median | 404 bp from state best | 204 bp behind median | Published rate position by product as of August 21, 2026 This is the public snapshot. Claim Capital Area Realtors Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=capital-area-realtors&state=maryland&code=MD&name=Capital%20Area%20Realtors%20Credit%20Union) Loading branch locator… ## About Capital Area Realtors Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1K Assets $16.1M Founded 1971 Locations reported 1 NCUA charter 20543 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - First-time homebuyer program - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data). Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Lafayette**Fallsgrove Financial Service Center · Rockville · MD · 20850About 0.9 miles away](https://rateapi.dev/credit-unions/maryland/lafayette)[**National Institutes of Health**The National Cancer Institute (NCI) Shady Grove · Rockville · MD · 20850About 1.4 miles away](https://rateapi.dev/credit-unions/maryland/national-institutes-of-health)[**Skypoint**SkyPoint FCU Rockville Branch · ROCKVILLE · MD · 20850About 1.5 miles away](https://rateapi.dev/credit-unions/maryland/skypoint)[**Navy Federal Credit Union**Gaithersburg MD · Gaithersburg · MD · 20878About 2.2 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union)[**MVP Postal and Printing**Main · Gaithersburg · MD · 20898About 2.7 miles away](https://rateapi.dev/credit-unions/maryland/mvp-postal-and-printing)[**State Employees CU of Maryland, Inc**SECU Credit Union Rockville - Shady Grove · Derwood · MD · 20855About 2.8 miles away](https://rateapi.dev/credit-unions/maryland/state-employees-cu-of-maryland-inc) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Capital Area Realtors Credit Union Membership eligibility from Capital Area Realtors Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology). **Open to anyone.** Anyone can become a member — no employer, location, or affiliation requirement. - AssociationGreater Capital Area Association of REALTORS® (GCAAR), Prince George’s County Association of REALTORS®, Frederick County Association of REALTORS® (FCAR) Verified from [Capital Area Realtors Credit Union's membership page](https://www.carfcu.org/membership/). Final membership determination is always made by the credit union. ## Membership rules for Capital Area Realtors Credit Union Associations 3 · Family 4 published paths to membership, last verified August 21, 2026, quoted from Capital Area Realtors Credit Union’s own published criteria. ### Associations 3 Auto-verified against the source pagequoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Greater Capital Area Association of REALTORS® (GCAAR) “We’re proud to have partnered with the Greater Capital Area Association of REALTORS® (GCAAR), the Prince George’s County Association of REALTORS®, and the Frederick County Association of REALTORS® (FCAR), making all members eligible to join CARFCU.” > [source ↗](https://www.carfcu.org/membership/) - Member of Greater Capital Area Association of REALTORS® (GCAAR) - Member of Prince George’s County Association of REALTORS® “We’re proud to have partnered with the Greater Capital Area Association of REALTORS® (GCAAR), the Prince George’s County Association of REALTORS®, and the Frederick County Association of REALTORS® (FCAR), making all members eligible to join CARFCU.” > [source ↗](https://www.carfcu.org/membership/) - Member of Prince George’s County Association of REALTORS® - Member of Frederick County Association of REALTORS® (FCAR) “We’re proud to have partnered with the Greater Capital Area Association of REALTORS® (GCAAR), the Prince George’s County Association of REALTORS®, and the Frederick County Association of REALTORS® (FCAR), making all members eligible to join CARFCU.” > [source ↗](https://www.carfcu.org/membership/) - Member of Frederick County Association of REALTORS® (FCAR) ### Family 1 Auto-verified against the source pagequoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member “Once you are approved, credit union membership and all of its benefits will be available to the employees and immediate family members of the company.” > [source ↗](https://www.carfcu.org/membership/) - Family member (immediate family member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology). Final membership determination is always made by the credit union. Is this right for Capital Area Realtors Credit Union? Yes No ## Work at Capital Area Realtors Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Capital Area Realtors Credit Union ranks against Maryland peers. - See which AI assistants fetched Capital Area Realtors Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maryland - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=capital-area-realtors&state=maryland&code=MD&name=Capital%20Area%20Realtors%20Credit%20Union)[How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Capital Area Realtors Credit Union offer? Capital Area Realtors Credit Union currently offers mortgage, and Auto loan rates. The rates shown on this page were last verified August 21, 2026 directly from the credit union's official website. ### How often are Capital Area Realtors Credit Union rates updated? RateAPI verifies Capital Area Realtors Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 21, 2026. ### Where does RateAPI get Capital Area Realtors Credit Union's rate data? Rate data is collected directly from Capital Area Realtors Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Capital Area Realtors Credit Union's mortgage rate? As of August 21, 2026, Capital Area Realtors Credit Union offers a 30-year fixed mortgage at 7.5% APR. ### What are Capital Area Realtors Credit Union's auto loan rates? As of August 21, 2026, Capital Area Realtors Credit Union offers auto loans from 7.29% APR. ### Who can join Capital Area Realtors Credit Union? Anyone can join Capital Area Realtors Credit Union — there is no employer, location, or affiliation requirement. RateAPI tracks 4 published membership paths covering 3 associations for Capital Area Realtors Credit Union, each quoted from Capital Area Realtors Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Capital Area Realtors Credit Union's rates against national credit-union benchmarks. [More Maryland credit unions](https://rateapi.dev/credit-unions/maryland)[Maryland mortgage rate leaders](https://rateapi.dev/mortgage-rates/maryland)[Maryland auto loan rate leaders](https://rateapi.dev/auto-loan-rates/maryland)[Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark)[Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark)[How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.carfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Capital Area Realtors Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maryland credit union rates move. Get a free API key[Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Capital Area Realtors Credit Union curl "https://api.rateapi.dev/credit-unions/maryland/capital-area-realtors" \ -H "Authorization: Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/)[Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Capital Area Realtors Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch servicesATMDrive-throughMember servicesShared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maryland/capital-area-realtors Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp