Credit union · NCUA insured
1st Bergen FCU Auto Loan Rates
1st Bergen FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How 1st Bergen FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where 1st Bergen FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Bergen FCU
4.99%APR
- Terms
- up to 60 months
- Up to
- 10.49% APR
- Discount
- None included
Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
1st Bergen FCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Bergen FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Available for up to $65,000 for up to 7 years on both new and pre-owned vehicles, lease buy-outs, and refinancing. No application fees. Title processing and closing fees may apply. Rates and borrowing limits vary based on model year and mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–10.99% | Model Year 2025–2027. Up to $65,000. Rate varies by vehicle and creditworthiness. |
| up to 60 months | 4.99%–10.49% | Model Year 2025–2027. Up to $65,000. Rate varies by vehicle and creditworthiness. |
| up to 84 months | 6.25%–9.25% | Model Year 2025–2027. Up to $65,000. Rate varies by vehicle and creditworthiness. |
| up to 36 months | 4.99%–11.99% | Model Year 2022–2024. Up to $40,000. Rate varies by vehicle and creditworthiness. |
| up to 60 months | 5.99%–11.49% | Model Year 2022–2024. Up to $40,000. Rate varies by vehicle and creditworthiness. |
| up to 84 months | 7.25%–10.75% | Model Year 2022–2024. Up to $40,000. Rate varies by vehicle and creditworthiness. |
| up to 36 months | 7.99%–15.99% | Model Year 2021 and older. Up to $35,000. Rate varies by vehicle and creditworthiness. |
| up to 60 months | 8.99%–14.99% | Model Year 2021 and older. Up to $35,000. Rate varies by vehicle and creditworthiness. |
Who can join 1st Bergen FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals and organizations who live, work, worship, volunteer, go to school, or primarily conduct business in Bergen County NJ.
Employers and groups
- People and organizations served by the Community Action Network, including Greater Bergen Community Action and OCEAN Inc., are eligible to join.
Family and household
- Immediate family members of current members are eligible to join 1st Bergen.
Cost to join
- An individual membership requires an initial deposit of $5.00.
Membership information collected October 5, 2026.