Auto Loans · Elizabeth, New Jersey
4 credit unions in Elizabeth report car loan rates to the NCUA. Rates range from 4.68% to 5.68%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.68%
Lowest New Car Rate
5.13%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WAKEFERN ★ 1.7 · 96 reviews | 4.68% | 5.56% |
| 2 | ELIZABETH (N.J.) FIREMEN'S ★ 4.4 · 7 reviews | 5.00% | 6.50% |
| 3 | SEAPORT ★ 4.6 · 53 reviews | 5.14% | 5.73% |
| 4 | UNION COUNTY EMPLOYEES | 5.68% | 7.05% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WAKEFERN ★ 1.7 · 96 reviews | 5.56% | 4.68% |
| 2 | SEAPORT ★ 4.6 · 53 reviews | 5.73% | 5.14% |
| 3 | ELIZABETH (N.J.) FIREMEN'S ★ 4.4 · 7 reviews | 6.50% | 5.00% |
| 4 | UNION COUNTY EMPLOYEES | 7.05% | 5.68% |
A pre-approval from a Elizabeth 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 Elizabeth in the same window and take the best offer.
See member reviews, branch locations, and full rate details.