Auto Loans · Parsippany, New Jersey
3 credit unions in Parsippany report car loan rates to the NCUA. Rates range from 4.24% to 5.90%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.24%
Lowest New Car Rate
5.08%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GARDEN SAVINGS ★ 4.5 · 479 reviews | 4.24% | 11.94% |
| 2 | UNION BUILDING TRADES ★ 3.1 · 15 reviews | 5.09% | 6.31% |
| 3 | GAF LINDEN EMPLOYEES ★ 3.2 · 49 reviews | 5.90% | 6.20% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GAF LINDEN EMPLOYEES ★ 3.2 · 49 reviews | 6.20% | 5.90% |
| 2 | UNION BUILDING TRADES ★ 3.1 · 15 reviews | 6.31% | 5.09% |
| 3 | GARDEN SAVINGS ★ 4.5 · 479 reviews | 11.94% | 4.24% |
A pre-approval from a Parsippany 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 Parsippany in the same window and take the best offer.
See member reviews, branch locations, and full rate details.