Auto Loans · Vineland, New Jersey
2 credit unions in Vineland report car loan rates to the NCUA. Rates range from 1.99% to 5.75%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
1.99%
Lowest New Car Rate
3.87%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BAY ATLANTIC ★ 4.6 · 143 reviews | 1.99% | 4.99% |
| 2 | MEMBERS 1ST OF NJ ★ 4.1 · 90 reviews | 5.75% | 7.00% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BAY ATLANTIC ★ 4.6 · 143 reviews | 4.99% | 1.99% |
| 2 | MEMBERS 1ST OF NJ ★ 4.1 · 90 reviews | 7.00% | 5.75% |
A pre-approval from a Vineland 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 Vineland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.