What is the typical credit union auto loan rate in New Jersey?

The median new auto loan rate New Jersey credit unions reported on their Q2 2026 call reports was 5.25%, and the median used auto rate was 6.14%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in New Jersey

New Jersey credit unions reported a median new auto loan rate of 5.25% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Bay Atlantic Federal Credit Union reported the lowest, 1.99%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	New Jersey median	US median
New auto	5.25%	5.46%
Used auto	6.14%	6.32%
Credit card	11.75%	11.50%
Personal	12.00%	11.75%
Mortgage	4.95%	5.75%
Home equity	6.51%	6.75%

Lowest credit card rate reported in New Jersey: Union Building Trades Federal Credit Union, 7.95%. Lowest first mortgage rate: Postal Employees Credit Union, 2.94%. (Same size rules as the national rankings.)

Every New Jersey credit union's reported rates

All 125 New Jersey credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Affinity Federal Credit Union	4.94%	5.45%	12.10%	12.75%	6.12%	6.63%
Merck Employees Federal Credit Union	5.60%	5.85%	11.75%	11.60%	6.25%	6.61%
Financial Resources Federal Credit Union	5.86%	7.04%	10.88%	10.93%	4.31%	7.02%
Credit Union of New Jersey, A	5.19%	6.96%	12.13%	8.48%	3.97%	7.30%
Proponent Federal Credit Union	4.99%	5.99%	13.09%	10.99%	6.12%	6.25%
Garden Savings Federal Credit Union	4.24%	10.23%	8.00%	10.99%	4.74%	6.85%
First Harvest Federal Credit Union	6.30%	7.50%	–	13.47%	3.86%	7.25%
Picatinny Federal Credit Union	5.25%	5.75%	16.74%	13.24%	6.00%	7.25%
First Atlantic Federal Credit Union	6.30%	7.01%	11.45%	11.25%	6.75%	6.75%
United Teletech Financial Federal Credit Union	4.63%	4.63%	12.40%	8.75%	6.88%	6.50%
Edifi Federal Credit Union	6.43%	6.13%	11.06%	12.74%	4.31%	6.88%
North Jersey Federal Credit Union	4.45%	5.50%	14.49%	12.49%	3.00%	6.75%
Greater Alliance Federal Credit Union	5.80%	7.09%	–	12.65%	4.49%	6.67%
Jersey Shore Federal Credit Union	5.48%	6.45%	10.90%	13.42%	5.72%	6.33%
The Atlantic Federal Credit Union	5.29%	5.49%	16.49%	13.50%	6.19%	6.25%
Xcel Federal Credit Union	4.89%	5.14%	13.49%	10.49%	5.50%	6.75%
First Financial Federal Credit Union	5.17%	5.39%	17.26%	10.80%	4.26%	6.63%
Princeton Federal Credit Union	10.49%	11.39%	13.40%	13.34%	6.59%	7.70%
Riegel Federal Credit Union	4.42%	6.15%	12.90%	10.91%	4.80%	6.43%
Nova Ua Federal Credit Union	4.50%	4.75%	9.90%	12.50%	6.00%	5.75%
Campbell Federal Credit Union	5.07%	5.59%	10.90%	11.31%	4.90%	6.52%
County Excellence Federal Credit Union	6.29%	6.23%	–	13.49%	7.23%	6.97%
Healthcare Employees Federal Credit Union	4.49%	4.49%	8.99%	9.49%	5.24%	5.24%
Liberty Savings Federal Credit Union	8.00%	9.90%	17.65%	13.30%	6.00%	7.97%
Members 1st of NJ Federal Credit Union	5.75%	7.00%	11.25%	11.65%	4.00%	7.25%
Deepwater Industries Federal Credit Union	3.50%	4.00%	9.00%	10.00%	4.49%	5.49%
Seaport Federal Credit Union	5.03%	5.52%	12.00%	12.36%	4.50%	7.47%
Raritan Bay Federal Credit Union	6.40%	6.05%	14.99%	11.11%	4.47%	6.44%
Advanced Financial Federal Credit Union	5.10%	6.85%	14.24%	11.90%	7.50%	8.15%
Ridgedale Federal Credit Union	5.56%	6.94%	9.90%	9.30%	6.38%	7.25%
Bay Atlantic Federal Credit Union	1.99%	4.99%	10.12%	18.00%	3.00%	6.99%
Irco Community Federal Credit Union	6.49%	5.99%	–	11.50%	6.75%	6.50%
Central Jersey Federal Credit Union	4.00%	4.00%	9.90%	9.00%	4.00%	4.00%
Union Building Trades Federal Credit Union	5.21%	6.45%	7.95%	11.36%	4.75%	7.03%
B-M S Federal Credit Union	6.83%	6.34%	–	9.78%	5.33%	5.24%
Rutgers Federal Credit Union	5.71%	5.60%	12.96%	8.95%	3.35%	6.33%
Hoboken School Employees Federal Credit Union	6.00%	8.17%	10.00%	12.00%	3.75%	6.20%
United Poles Federal Credit Union	3.99%	5.74%	9.90%	9.99%	5.75%	7.50%
Fort Billings Federal Credit Union	4.74%	5.93%	10.50%	14.06%	3.90%	5.38%
New Jersey Law and Public Safety Credit Union	4.17%	5.25%	13.00%	12.30%	3.05%	6.02%
Atlantic City Electric Co Emp Federal Credit Union	3.75%	5.00%	–	12.00%	–	6.25%
Motion Federal Credit Union	5.00%	5.20%	10.45%	8.60%	6.13%	6.75%
Central Jersey Police & Fire Federal Credit Union	4.19%	5.59%	13.99%	11.16%	3.45%	6.39%
Mercer County NJ Teachers Federal Credit Union	5.16%	5.75%	9.64%	12.55%	6.24%	6.81%
Bridgeton Onized Federal Credit Union	6.37%	7.63%	11.79%	15.69%	4.28%	4.89%
Southern Middlesex Co Tchrs Federal Credit Union	5.95%	6.70%	–	11.75%	4.59%	6.30%
H. E. Telephone Federal Credit Union	5.75%	6.75%	–	12.00%	5.25%	6.75%
Public Service Federal Credit Union	4.48%	7.05%	–	12.97%	4.38%	–
N.j.t. Employees Federal Credit Union	2.00%	4.00%	–	12.00%	–	–
Lakehurst Naval Federal Credit Union	5.25%	6.00%	9.99%	13.00%	5.00%	5.00%
Garden State Federal Credit Union	4.86%	5.41%	10.90%	13.73%	5.85%	7.11%
Postal Employees Credit Union	5.99%	7.99%	10.90%	12.99%	2.94%	6.99%
Community Financial Services Federal Credit Union	6.00%	7.50%	18.00%	10.75%	3.38%	4.75%
Manville Area Federal Credit Union	4.00%	4.50%	10.50%	9.00%	5.50%	5.50%
Atlantic Health Employees Federal Credit Union	6.00%	7.22%	–	13.25%	–	5.00%
NJ Gateway Federal Credit Union	5.75%	6.50%	13.80%	10.99%	7.50%	6.75%
Harrison Police & Firemen's Federal Credit Union	3.95%	5.26%	11.99%	11.03%	–	6.34%
Vah Lyons Employees Federal Credit Union	5.49%	7.39%	–	13.09%	–	–
First Point Federal Credit Union	6.43%	6.83%	–	12.05%	–	5.19%
Jersey Central Federal Credit Union	5.75%	6.80%	–	13.61%	–	7.53%
New Brunswick Postal Federal Credit Union	2.99%	5.99%	12.86%	18.00%	4.69%	3.73%
Mid-State Federal Credit Union	5.24%	5.24%	9.90%	10.90%	4.00%	4.50%
Monmouth County Postal Employees Credit Union	5.75%	6.00%	12.99%	12.99%	–	5.50%
Essex County Teachers Federal Credit Union	8.00%	8.00%	–	14.99%	6.95%	8.00%
East Orange VA Hospital Federal Credit Union	5.25%	6.66%	–	11.49%	–	–
L'oreal USA Federal Credit Union	3.99%	4.99%	–	11.99%	2.74%	7.03%
Hamilton Horizons Federal Credit Union	6.55%	8.47%	12.70%	14.91%	7.23%	7.29%
Energy People Federal Credit Union	4.25%	5.50%	–	12.50%	6.25%	7.00%
Teaneck Federal Credit Union	7.00%	5.65%	12.00%	7.50%	5.50%	7.00%
1166 Federal Credit Union	4.65%	5.68%	9.99%	12.79%	3.50%	5.45%
Division 819 Transit Employees Credit Union	7.00%	9.00%	–	16.00%	–	–
Federal Employees Newark Federal Credit Union	5.75%	7.75%	11.50%	18.00%	6.50%	6.50%
Path Federal Credit Union	6.90%	7.90%	–	18.00%	5.50%	5.50%
Local 1233 Federal Credit Union	5.75%	5.75%	–	12.00%	–	–
P S E Federal Credit Union	3.99%	5.50%	–	9.00%	–	–
Public Service Plaza Federal Credit Union	5.00%	5.50%	–	13.00%	–	–
Wakefern Federal Credit Union	4.60%	5.67%	–	12.23%	5.00%	–
Erie Lackawanna Railroad Co Emp Federal Credit Union	5.50%	7.50%	–	13.50%	–	–
Peoples Transport Federal Credit Union	6.50%	9.00%	–	16.00%	–	–
Jersey City Firemen Federal Credit Union	7.00%	9.00%	–	15.00%	–	–
Goya Foods Employees Federal Credit Union	–	–	–	10.00%	–	–
1st Bergen Federal Credit Union	5.81%	8.33%	–	10.91%	–	–
Members Connect Federal Credit Union	5.71%	8.05%	15.50%	12.13%	3.13%	6.10%
Hoboken N J Police Federal Credit Union	5.00%	6.00%	–	13.00%	–	6.00%
P.s.e. & G. Nuclear Employees Federal Credit Union	4.99%	5.74%	–	9.50%	–	9.00%
Bloomfield Fire and Police Federal Credit Union	5.23%	6.57%	–	12.00%	–	–
East Orange Firemens Federal Credit Union	4.50%	10.43%	–	15.41%	–	–
Bayonne School Employees Federal Credit Union	–	–	–	12.00%	–	–
HMC (nj) Federal Credit Union	5.41%	6.79%	–	10.27%	–	–
New Jersey Community Federal Credit Union	5.34%	4.78%	10.90%	14.58%	4.75%	6.70%
Jersey City Police Federal Credit Union	5.10%	7.30%	–	11.01%	–	–
I.l.a. Local 1235 Federal Credit Union	6.19%	5.75%	–	10.62%	–	–
Passaic Police Federal Credit Union	–	–	–	10.00%	–	–
Saker Shop Rite Federal Credit Union	–	–	–	16.45%	–	–
Fort Dix Federal Credit Union	5.00%	8.00%	–	11.00%	–	–
New Jersey State Pba Federal Credit Union	–	6.50%	–	10.88%	–	–
Public Service H C Employees Federal Credit Union	–	–	–	11.00%	–	–
Ocnac #1 Federal Credit Union	6.50%	7.50%	–	18.00%	–	–
Elizabeth (n.j.) Firemen's Federal Credit Union	5.00%	5.49%	–	12.00%	–	4.00%
Linden NJ Police & Firemen Federal Credit Union	6.00%	7.00%	–	6.99%	–	–
Union County Employees Federal Credit Union	5.73%	7.07%	–	11.49%	–	5.61%
West Hudson Teachers Federal Credit Union	4.25%	–	–	13.00%	–	–
Kearny Municipal Employees Federal Credit Union	3.00%	7.00%	–	15.00%	–	–
Parlin Dupont Employees Federal Credit Union	5.49%	5.49%	–	8.99%	–	5.30%
Newark Police Federal Credit Union	3.99%	6.00%	–	13.00%	–	–
Paterson Police Federal Credit Union	6.90%	7.90%	–	12.00%	–	–
N. J. Latvian Federal Credit Union	4.75%	4.75%	–	6.75%	–	–
Trenton NJ Firemen Federal Credit Union	3.50%	6.00%	–	8.00%	–	–
Bayonne City Employees Federal Credit Union	2.49%	4.00%	–	7.75%	–	–
Gaf Linden Employees Federal Credit Union	5.90%	6.20%	–	9.50%	3.00%	–
Metrex Federal Credit Union	4.00%	4.00%	–	13.00%	–	–
New Community Federal Credit Union	–	–	–	13.50%	5.13%	–
Public Service E.d. Trenton Federal Credit Union	2.99%	4.25%	–	8.00%	–	–
Clifton NJ Postal Employees Federal Credit Union	4.75%	4.50%	–	14.00%	–	–
Atlantic City Police Federal Credit Union	15.00%	12.30%	–	14.47%	–	–
Newark Post Office Employees Credit Union	–	–	–	12.64%	–	–
Trenton Teachers Federal Credit Union	–	–	–	18.00%	–	–
Elizabeth Police Department E Federal Credit Union	–	–	–	12.00%	–	–
Ocean County Employees Federal Credit Union	–	–	–	12.97%	–	–
Plainfield Police & Firemen's Federal Credit Union	–	–	–	12.00%	–	–
Terminals Federal Credit Union	5.77%	8.43%	–	9.00%	–	–
Messiah Baptist Church Federal Credit Union	5.99%	6.99%	–	7.99%	–	5.99%
Camden Firemen's Federal Credit Union	–	10.24%	–	16.24%	–	–
Israel Memorial A M E Federal Credit Union	–	9.00%	–	9.00%	–	–
Heard A.m.e. Federal Credit Union	–	–	–	12.50%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All New Jersey credit unions · Lowest rates nationally