Credit Cards · New Jersey
55 credit unions in New Jersey report credit card APRs to the NCUA. Rates range from 7.95% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
55
CUs Reporting Rates
7.95%
Lowest Card APR
11.96%
State Average APR
51
Cities Covered
55 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | UNION BUILDING TRADES Parsippany | 7.95% | 11.18% |
| 2 | GARDEN SAVINGS PARSIPPANY | 8.00% | 10.99% |
| 3 | HEALTHCARE EMPLOYEES PRINCETON | 8.99% | 9.49% |
| 4 | DEEPWATER INDUSTRIES Deepwater | 9.00% | 10.00% |
| 5 | MERCER COUNTY NJ TEACHERS HAMILTON SQUARE | 9.60% | 12.50% |
| 6 | BAY ATLANTIC VINELAND | 9.86% | 18.00% |
| 7 | HOBOKEN SCHOOL EMPLOYEES HOBOKEN | 9.90% | 13.50% |
| 8 | RIDGEDALE East Hanover | 9.90% | 9.19% |
| 9 | UNITED POLES PERTH AMBOY | 9.90% | 9.99% |
| 10 | MID-STATE Carteret | 9.90% | 10.90% |
| 11 | NOVA UA Clifton | 9.90% | 12.50% |
| 12 | CENTRAL JERSEY Woodbridge | 9.90% | 9.00% |
| 13 | LAKEHURST NAVAL Joint Base MDL | 9.99% | 13.00% |
| 14 | 1166 Swedesboro | 9.99% | 12.77% |
| 15 | TEANECK TEANECK | 10.00% | 8.00% |
| 16 | JERSEY SHORE Northfield | 10.40% | 13.33% |
| 17 | EDIFI Rancocas | 10.41% | 9.60% |
| 18 | MOTION Linden | 10.45% | 8.60% |
| 19 | MANVILLE AREA MANVILLE | 10.50% | 9.00% |
| 20 | FORT BILLINGS PAULSBORO | 10.50% | 14.09% |
| 21 | GARDEN STATE MOORESTOWN | 10.90% | 13.73% |
| 22 | NEW JERSEY COMMUNITY MOORESTOWN | 10.90% | 14.55% |
| 23 | POSTAL EMPLOYEES YARDVILLE | 10.90% | 12.99% |
| 24 | CAMPBELL Maple Shade | 10.90% | 11.22% |
| 25 | FINANCIAL RESOURCES Branchburg | 11.20% | 10.06% |
| 26 | MEMBERS 1ST OF NJ Vineland | 11.25% | 11.65% |
| 27 | FIRST ATLANTIC EATONTOWN | 11.45% | 11.25% |
| 28 | FEDERAL EMPLOYEES NEWARK NEWARK | 11.50% | 18.00% |
| 29 | MERCK EMPLOYEES RAHWAY | 11.75% | 11.60% |
| 30 | BRIDGETON ONIZED Cedarville | 11.83% | 15.70% |
| 31 | HARRISON POLICE & FIREMEN'S Harrison | 11.99% | 10.94% |
| 32 | SEAPORT ELIZABETH | 12.00% | 12.40% |
| 33 | AFFINITY Basking Ridge | 12.10% | 13.50% |
| 34 | CREDIT UNION OF NEW JERSEY, A Ewing | 12.25% | 9.33% |
| 35 | UNITED TELETECH FINANCIAL TINTON FALLS | 12.40% | 8.75% |
| 36 | PRINCETON PRINCETON | 12.56% | 14.30% |
| 37 | HAMILTON HORIZONS Hamilton | 12.70% | 14.86% |
| 38 | NEW BRUNSWICK POSTAL New Brunswick | 12.86% | 18.00% |
| 39 | RIEGEL Milford | 12.90% | 12.20% |
| 40 | RUTGERS New Brunswick | 12.96% | 8.95% |
| 41 | MONMOUTH COUNTY POSTAL EMPLOYEES Red Bank | 12.99% | 12.99% |
| 42 | NEW JERSEY LAW AND PUBLIC SAFETY Trenton | 13.00% | 12.29% |
| 43 | PROPONENT Nutley | 13.12% | 10.99% |
| 44 | XCEL Bloomfield | 13.49% | 10.49% |
| 45 | NJ GATEWAY Dayton | 13.80% | 10.99% |
| 46 | CENTRAL JERSEY POLICE & FIRE Hamilton | 13.99% | 11.16% |
| 47 | ADVANCED FINANCIAL NEW PROVIDENCE | 14.24% | 11.90% |
| 48 | NORTH JERSEY Totowa | 14.49% | 12.49% |
| 49 | RARITAN BAY Sayreville | 14.99% | 10.97% |
| 50 | MEMBERS CONNECT MADISON | 15.50% | 11.82% |
| 51 | THE ATLANTIC Kenilworth | 16.49% | 13.25% |
| 52 | PICATINNY DOVER | 16.74% | 13.24% |
| 53 | FIRST FINANCIAL Freehold | 17.23% | 11.01% |
| 54 | LIBERTY SAVINGS Jersey City | 17.65% | 11.01% |
| 55 | COMMUNITY FINANCIAL SERVICES ROSELLE | 18.00% | 10.75% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in New Jersey accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in New Jersey offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.