Auto Loans · New Jersey
111 credit unions in New Jersey report car loan rates to the NCUA. Rates range from 1.99% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
111
CUs Reporting Rates
1.99%
Lowest New Car Rate
5.34%
State Average Rate
87
Cities Covered
111 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BAY ATLANTIC VINELAND | 1.99% | 4.99% |
| 2 | N.J.T. EMPLOYEES Waldwick | 2.00% | 4.00% |
| 3 | BAYONNE CITY EMPLOYEES Bayonne | 2.49% | 4.00% |
| 4 | L'OREAL USA Clark | 2.99% | 4.99% |
| 5 | NEW BRUNSWICK POSTAL New Brunswick | 2.99% | 5.99% |
| 6 | PUBLIC SERVICE E.D. TRENTON Mercerville | 2.99% | 4.25% |
| 7 | KEARNY MUNICIPAL EMPLOYEES kearny | 3.00% | 6.00% |
| 8 | TRENTON NJ FIREMEN TRENTON | 3.50% | 6.00% |
| 9 | DEEPWATER INDUSTRIES Deepwater | 3.50% | 4.00% |
| 10 | ATLANTIC CITY ELECTRIC CO EMP MAYS LANDING | 3.75% | 5.00% |
| 11 | HARRISON POLICE & FIREMEN'S Harrison | 3.94% | 5.25% |
| 12 | P S E Somerset | 3.99% | 5.50% |
| 13 | NEWARK POLICE NEWARK | 3.99% | 6.00% |
| 14 | UNITED POLES PERTH AMBOY | 3.99% | 5.74% |
| 15 | METREX Kenilworth | 4.00% | 4.00% |
| 16 | CENTRAL JERSEY Woodbridge | 4.00% | 4.00% |
| 17 | MANVILLE AREA MANVILLE | 4.00% | 4.00% |
| 18 | B-M S New Brunswick | 4.02% | 4.58% |
| 19 | NEW JERSEY LAW AND PUBLIC SAFETY Trenton | 4.14% | 5.25% |
| 20 | CENTRAL JERSEY POLICE & FIRE Hamilton | 4.19% | 5.59% |
| 21 | RIEGEL Milford | 4.23% | 6.09% |
| 22 | GARDEN SAVINGS PARSIPPANY | 4.24% | 11.94% |
| 23 | WEST HUDSON TEACHERS North Arlington | 4.25% | — |
| 24 | EAST ORANGE FIREMENS Bloomfield | 4.41% | 10.11% |
| 25 | NORTH JERSEY Totowa | 4.45% | 5.50% |
| 26 | HEALTHCARE EMPLOYEES PRINCETON | 4.49% | 4.74% |
| 27 | NOVA UA Clifton | 4.50% | 5.00% |
| 28 | PUBLIC SERVICE Middlesex | 4.55% | 6.91% |
| 29 | 1166 Swedesboro | 4.60% | 5.66% |
| 30 | FORT BILLINGS PAULSBORO | 4.63% | 5.85% |
| 31 | WAKEFERN Elizabeth | 4.68% | 5.56% |
| 32 | CLIFTON NJ POSTAL EMPLOYEES Clifton | 4.75% | 4.50% |
| 33 | GARDEN STATE MOORESTOWN | 4.79% | 5.18% |
| 34 | ADVANCED FINANCIAL NEW PROVIDENCE | 4.85% | 6.68% |
| 35 | JERSEY CITY POLICE JERSEY CITY | 4.87% | 7.22% |
| 36 | UNITED TELETECH FINANCIAL TINTON FALLS | 4.88% | 4.88% |
| 37 | XCEL Bloomfield | 4.89% | 5.14% |
| 38 | RIDGEDALE East Hanover | 4.94% | 6.31% |
| 39 | AFFINITY Basking Ridge | 4.94% | 5.45% |
| 40 | MESSIAH BAPTIST CHURCH East Orange | 4.99% | 5.99% |
| 41 | PROPONENT Nutley | 4.99% | 5.99% |
| 42 | P.S.E. & G. NUCLEAR EMPLOYEES HANCOCKS BRIDGE | 4.99% | 5.74% |
| 43 | FORT DIX Joint Base MDL | 5.00% | 8.00% |
| 44 | ELIZABETH (N.J.) FIREMEN'S Elizabeth | 5.00% | 6.50% |
| 45 | PUBLIC SERVICE PLAZA Newark | 5.00% | 5.50% |
| 46 | MOTION Linden | 5.00% | 5.20% |
| 47 | EDIFI Rancocas | 5.03% | 6.31% |
| 48 | CAMPBELL Maple Shade | 5.05% | 5.56% |
| 49 | UNION BUILDING TRADES Parsippany | 5.09% | 6.31% |
| 50 | SEAPORT ELIZABETH | 5.14% | 5.73% |
| 51 | FIRST FINANCIAL Freehold | 5.15% | 5.42% |
| 52 | EAST ORANGE VA HOSPITAL East Orange | 5.18% | 6.56% |
| 53 | CREDIT UNION OF NEW JERSEY, A Ewing | 5.19% | 7.02% |
| 54 | VAH LYONS EMPLOYEES Lyons | 5.21% | 7.31% |
| 55 | MID-STATE Carteret | 5.24% | 5.24% |
| 56 | ERIE LACKAWANNA RAILROAD CO EMP Hoboken | 5.25% | 7.30% |
| 57 | PICATINNY DOVER | 5.25% | 5.75% |
| 58 | LAKEHURST NAVAL Joint Base MDL | 5.25% | 6.00% |
| 59 | THE ATLANTIC Kenilworth | 5.29% | 5.49% |
| 60 | TERMINALS CARTERET | 5.32% | 7.85% |
| 61 | NEW JERSEY COMMUNITY MOORESTOWN | 5.34% | 4.45% |
| 62 | HMC (NJ) Flemington | 5.35% | 6.74% |
| 63 | MERCER COUNTY NJ TEACHERS HAMILTON SQUARE | 5.41% | 5.85% |
| 64 | JERSEY SHORE Northfield | 5.43% | 6.39% |
| 65 | PARLIN DUPONT EMPLOYEES Sayreville | 5.49% | 5.49% |
| 66 | N. J. LATVIAN Freehold | 5.50% | 5.50% |
| 67 | ENERGY PEOPLE MEDFORD | 5.50% | 6.25% |
| 68 | SOUTHERN MIDDLESEX CO TCHRS East Brunswick | 5.51% | 6.70% |
| 69 | MERCK EMPLOYEES RAHWAY | 5.60% | 5.85% |
| 70 | FINANCIAL RESOURCES Branchburg | 5.63% | 7.59% |
| 71 | 1ST BERGEN Hackensack | 5.64% | 7.39% |
| 72 | MEMBERS CONNECT MADISON | 5.67% | 7.91% |
| 73 | UNION COUNTY EMPLOYEES Elizabeth | 5.68% | 7.05% |
| 74 | RUTGERS New Brunswick | 5.71% | 5.60% |
| 75 | LOCAL 1233 Newark | 5.75% | 5.75% |
| 76 | NJ GATEWAY Dayton | 5.75% | 6.50% |
| 77 | FEDERAL EMPLOYEES NEWARK NEWARK | 5.75% | 7.75% |
| 78 | MEMBERS 1ST OF NJ Vineland | 5.75% | 7.00% |
| 79 | MONMOUTH COUNTY POSTAL EMPLOYEES Red Bank | 5.75% | 6.75% |
| 80 | H. E. TELEPHONE Rochelle Park | 5.75% | 6.75% |
| 81 | GREATER ALLIANCE Paramus | 5.76% | 7.02% |
| 82 | JERSEY CENTRAL CRANFORD | 5.81% | 6.84% |
| 83 | GAF LINDEN EMPLOYEES Parsippany | 5.90% | 6.20% |
| 84 | POSTAL EMPLOYEES YARDVILLE | 5.99% | 7.99% |
| 85 | HOBOKEN SCHOOL EMPLOYEES HOBOKEN | 6.00% | 7.75% |
| 86 | HOBOKEN N J POLICE HOBOKEN | 6.00% | 6.00% |
| 87 | LINDEN NJ POLICE & FIREMEN LINDEN | 6.00% | 7.00% |
| 88 | COMMUNITY FINANCIAL SERVICES ROSELLE | 6.00% | 6.00% |
| 89 | COUNTY EXCELLENCE Roselle Park | 6.16% | 6.12% |
| 90 | I.L.A. LOCAL 1235 Newark | 6.21% | 5.97% |
| 91 | NEW JERSEY STATE PBA Woodbridge | 6.24% | 6.67% |
| 92 | FIRST ATLANTIC EATONTOWN | 6.26% | 7.00% |
| 93 | RARITAN BAY Sayreville | 6.38% | 6.18% |
| 94 | FIRST POINT HAMILTON | 6.48% | 6.63% |
| 95 | IRCO COMMUNITY Phillipsburg | 6.49% | 10.00% |
| 96 | FIRST HARVEST DEPTFORD | 6.50% | 7.50% |
| 97 | OCNAC #1 jersey city | 6.50% | 7.50% |
| 98 | ATLANTIC HEALTH EMPLOYEES Summit | 6.53% | 7.19% |
| 99 | HAMILTON HORIZONS Hamilton | 6.59% | 8.27% |
| 100 | PATH Jersey City | 6.90% | 7.90% |
| 101 | PATERSON POLICE Paterson | 6.90% | 7.90% |
| 102 | BLOOMFIELD FIRE AND POLICE Bloomfield | 6.90% | 6.90% |
| 103 | TEANECK TEANECK | 6.93% | 5.65% |
| 104 | DIVISION 819 TRANSIT EMPLOYEES IRVINGTON | 7.00% | 9.00% |
| 105 | JERSEY CITY FIREMEN Jersey City | 7.00% | 9.00% |
| 106 | BRIDGETON ONIZED Cedarville | 7.46% | 7.63% |
| 107 | PEOPLES TRANSPORT MOUNT EPHRAIM | 7.50% | 8.00% |
| 108 | LIBERTY SAVINGS Jersey City | 7.87% | 9.73% |
| 109 | ESSEX COUNTY TEACHERS BLOOMFIELD | 8.00% | 8.00% |
| 110 | PRINCETON PRINCETON | 10.49% | 10.10% |
| 111 | ATLANTIC CITY POLICE Northfield | 15.00% | 12.30% |
112 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | N.J.T. EMPLOYEES Waldwick | 4.00% | 2.00% |
| 2 | BAYONNE CITY EMPLOYEES Bayonne | 4.00% | 2.49% |
| 3 | DEEPWATER INDUSTRIES Deepwater | 4.00% | 3.50% |
| 4 | METREX Kenilworth | 4.00% | 4.00% |
| 5 | CENTRAL JERSEY Woodbridge | 4.00% | 4.00% |
| 6 | MANVILLE AREA MANVILLE | 4.00% | 4.00% |
| 7 | PUBLIC SERVICE E.D. TRENTON Mercerville | 4.25% | 2.99% |
| 8 | NEW JERSEY COMMUNITY MOORESTOWN | 4.45% | 5.34% |
| 9 | CLIFTON NJ POSTAL EMPLOYEES Clifton | 4.50% | 4.75% |
| 10 | B-M S New Brunswick | 4.58% | 4.02% |
| 11 | HEALTHCARE EMPLOYEES PRINCETON | 4.74% | 4.49% |
| 12 | UNITED TELETECH FINANCIAL TINTON FALLS | 4.88% | 4.88% |
| 13 | BAY ATLANTIC VINELAND | 4.99% | 1.99% |
| 14 | L'OREAL USA Clark | 4.99% | 2.99% |
| 15 | ATLANTIC CITY ELECTRIC CO EMP MAYS LANDING | 5.00% | 3.75% |
| 16 | NOVA UA Clifton | 5.00% | 4.50% |
| 17 | XCEL Bloomfield | 5.14% | 4.89% |
| 18 | GARDEN STATE MOORESTOWN | 5.18% | 4.79% |
| 19 | MOTION Linden | 5.20% | 5.00% |
| 20 | MID-STATE Carteret | 5.24% | 5.24% |
| 21 | HARRISON POLICE & FIREMEN'S Harrison | 5.25% | 3.94% |
| 22 | NEW JERSEY LAW AND PUBLIC SAFETY Trenton | 5.25% | 4.14% |
| 23 | FIRST FINANCIAL Freehold | 5.42% | 5.15% |
| 24 | AFFINITY Basking Ridge | 5.45% | 4.94% |
| 25 | THE ATLANTIC Kenilworth | 5.49% | 5.29% |
| 26 | PARLIN DUPONT EMPLOYEES Sayreville | 5.49% | 5.49% |
| 27 | P S E Somerset | 5.50% | 3.99% |
| 28 | NORTH JERSEY Totowa | 5.50% | 4.45% |
| 29 | PUBLIC SERVICE PLAZA Newark | 5.50% | 5.00% |
| 30 | N. J. LATVIAN Freehold | 5.50% | 5.50% |
| 31 | WAKEFERN Elizabeth | 5.56% | 4.68% |
| 32 | CAMPBELL Maple Shade | 5.56% | 5.05% |
| 33 | CENTRAL JERSEY POLICE & FIRE Hamilton | 5.59% | 4.19% |
| 34 | RUTGERS New Brunswick | 5.60% | 5.71% |
| 35 | TEANECK TEANECK | 5.65% | 6.93% |
| 36 | 1166 Swedesboro | 5.66% | 4.60% |
| 37 | SEAPORT ELIZABETH | 5.73% | 5.14% |
| 38 | UNITED POLES PERTH AMBOY | 5.74% | 3.99% |
| 39 | P.S.E. & G. NUCLEAR EMPLOYEES HANCOCKS BRIDGE | 5.74% | 4.99% |
| 40 | PICATINNY DOVER | 5.75% | 5.25% |
| 41 | LOCAL 1233 Newark | 5.75% | 5.75% |
| 42 | FORT BILLINGS PAULSBORO | 5.85% | 4.63% |
| 43 | MERCER COUNTY NJ TEACHERS HAMILTON SQUARE | 5.85% | 5.41% |
| 44 | MERCK EMPLOYEES RAHWAY | 5.85% | 5.60% |
| 45 | I.L.A. LOCAL 1235 Newark | 5.97% | 6.21% |
| 46 | NEW BRUNSWICK POSTAL New Brunswick | 5.99% | 2.99% |
| 47 | MESSIAH BAPTIST CHURCH East Orange | 5.99% | 4.99% |
| 48 | PROPONENT Nutley | 5.99% | 4.99% |
| 49 | KEARNY MUNICIPAL EMPLOYEES kearny | 6.00% | 3.00% |
| 50 | TRENTON NJ FIREMEN TRENTON | 6.00% | 3.50% |
| 51 | NEWARK POLICE NEWARK | 6.00% | 3.99% |
| 52 | LAKEHURST NAVAL Joint Base MDL | 6.00% | 5.25% |
| 53 | HOBOKEN N J POLICE HOBOKEN | 6.00% | 6.00% |
| 54 | COMMUNITY FINANCIAL SERVICES ROSELLE | 6.00% | 6.00% |
| 55 | RIEGEL Milford | 6.09% | 4.23% |
| 56 | COUNTY EXCELLENCE Roselle Park | 6.12% | 6.16% |
| 57 | RARITAN BAY Sayreville | 6.18% | 6.38% |
| 58 | GAF LINDEN EMPLOYEES Parsippany | 6.20% | 5.90% |
| 59 | ENERGY PEOPLE MEDFORD | 6.25% | 5.50% |
| 60 | RIDGEDALE East Hanover | 6.31% | 4.94% |
| 61 | EDIFI Rancocas | 6.31% | 5.03% |
| 62 | UNION BUILDING TRADES Parsippany | 6.31% | 5.09% |
| 63 | JERSEY SHORE Northfield | 6.39% | 5.43% |
| 64 | ELIZABETH (N.J.) FIREMEN'S Elizabeth | 6.50% | 5.00% |
| 65 | NJ GATEWAY Dayton | 6.50% | 5.75% |
| 66 | EAST ORANGE VA HOSPITAL East Orange | 6.56% | 5.18% |
| 67 | FIRST POINT HAMILTON | 6.63% | 6.48% |
| 68 | NEW JERSEY STATE PBA Woodbridge | 6.67% | 6.24% |
| 69 | ADVANCED FINANCIAL NEW PROVIDENCE | 6.68% | 4.85% |
| 70 | SOUTHERN MIDDLESEX CO TCHRS East Brunswick | 6.70% | 5.51% |
| 71 | HMC (NJ) Flemington | 6.74% | 5.35% |
| 72 | MONMOUTH COUNTY POSTAL EMPLOYEES Red Bank | 6.75% | 5.75% |
| 73 | H. E. TELEPHONE Rochelle Park | 6.75% | 5.75% |
| 74 | JERSEY CENTRAL CRANFORD | 6.84% | 5.81% |
| 75 | BLOOMFIELD FIRE AND POLICE Bloomfield | 6.90% | 6.90% |
| 76 | PUBLIC SERVICE Middlesex | 6.91% | 4.55% |
| 77 | MEMBERS 1ST OF NJ Vineland | 7.00% | 5.75% |
| 78 | LINDEN NJ POLICE & FIREMEN LINDEN | 7.00% | 6.00% |
| 79 | FIRST ATLANTIC EATONTOWN | 7.00% | 6.26% |
| 80 | CREDIT UNION OF NEW JERSEY, A Ewing | 7.02% | 5.19% |
| 81 | GREATER ALLIANCE Paramus | 7.02% | 5.76% |
| 82 | UNION COUNTY EMPLOYEES Elizabeth | 7.05% | 5.68% |
| 83 | ATLANTIC HEALTH EMPLOYEES Summit | 7.19% | 6.53% |
| 84 | JERSEY CITY POLICE JERSEY CITY | 7.22% | 4.87% |
| 85 | ERIE LACKAWANNA RAILROAD CO EMP Hoboken | 7.30% | 5.25% |
| 86 | VAH LYONS EMPLOYEES Lyons | 7.31% | 5.21% |
| 87 | 1ST BERGEN Hackensack | 7.39% | 5.64% |
| 88 | FIRST HARVEST DEPTFORD | 7.50% | 6.50% |
| 89 | OCNAC #1 jersey city | 7.50% | 6.50% |
| 90 | FINANCIAL RESOURCES Branchburg | 7.59% | 5.63% |
| 91 | BRIDGETON ONIZED Cedarville | 7.63% | 7.46% |
| 92 | FEDERAL EMPLOYEES NEWARK NEWARK | 7.75% | 5.75% |
| 93 | HOBOKEN SCHOOL EMPLOYEES HOBOKEN | 7.75% | 6.00% |
| 94 | TERMINALS CARTERET | 7.85% | 5.32% |
| 95 | PATH Jersey City | 7.90% | 6.90% |
| 96 | PATERSON POLICE Paterson | 7.90% | 6.90% |
| 97 | MEMBERS CONNECT MADISON | 7.91% | 5.67% |
| 98 | POSTAL EMPLOYEES YARDVILLE | 7.99% | 5.99% |
| 99 | FORT DIX Joint Base MDL | 8.00% | 5.00% |
| 100 | PEOPLES TRANSPORT MOUNT EPHRAIM | 8.00% | 7.50% |
| 101 | ESSEX COUNTY TEACHERS BLOOMFIELD | 8.00% | 8.00% |
| 102 | HAMILTON HORIZONS Hamilton | 8.27% | 6.59% |
| 103 | DIVISION 819 TRANSIT EMPLOYEES IRVINGTON | 9.00% | 7.00% |
| 104 | JERSEY CITY FIREMEN Jersey City | 9.00% | 7.00% |
| 105 | LIBERTY SAVINGS Jersey City | 9.73% | 7.87% |
| 106 | IRCO COMMUNITY Phillipsburg | 10.00% | 6.49% |
| 107 | PRINCETON PRINCETON | 10.10% | 10.49% |
| 108 | EAST ORANGE FIREMENS Bloomfield | 10.11% | 4.41% |
| 109 | ISRAEL MEMORIAL A M E Newark | 10.67% | — |
| 110 | CAMDEN FIREMEN'S MOORESTOWN | 11.91% | — |
| 111 | GARDEN SAVINGS PARSIPPANY | 11.94% | 4.24% |
| 112 | ATLANTIC CITY POLICE Northfield | 12.30% | 15.00% |
Most community credit unions in New Jersey accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.