Credit union · NCUA insured
Atlantic City Electric Company Employees FCU Auto Loan Rates
Atlantic City Electric Company Employees FCU auto loans start at 3.75% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Atlantic City Electric Company Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Atlantic City, NJ, where Atlantic City Electric Company Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Atlantic City Electric Company Employees FCU
3.75%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
New Vehicle Loans
2nd-lowest rate
First Harvest Credit Union
4.99%APR
- Terms
- 36–60 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Atlantic City Electric Company Employees FCU auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Atlantic City Electric Company Employees 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.
Motorcycles
Up to 100% financing depends upon credit worthiness. Exclusions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.00% | Model years 2020-New. Up to 100% financing depends upon credit worthiness. |
| up to 48 months | 6.00% | Model years 2012-2019. 48 months max. term. Up to 100% financing depends upon credit worthiness. |
Sources (1)
- acecefcu.org/rates · captured Oct 4, 2026
New Vehicle Loans
Up to 100% financing (depending on credit worthiness) of the actual vehicle cost. Term of 72 months and 100% financing depend upon credit worthiness. Can be used to buy a new car, truck, van, sport utility vehicle, or cycle.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.75% | Term up to 72 months and 100% financing depend upon credit worthiness. |
Used Vehicle Loans
Finance used auto at fixed rates for terms up to 72 months. Up to 100% financing depending on credit worthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.00% | Model years 2022 - 2025. Term of 72 months and 100% financing depend upon credit worthiness. |
| up to 60 months | 5.00% | Model years 2019 – 2021. 100% financing depends upon credit worthiness. |
| up to 48 months | 5.00% | Model years 2018 and older. 48 months max. term. Exclusions apply. |
Who can join Atlantic City Electric Company Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and contractors of Atlantic City Electric Company and its subsidiaries are eligible for membership.
- Employees of Atlantic Coast Alarm Inc in Mays Landing, NJ are eligible for membership.
- Employees of Computer House of SJ LLC who work in Galloway, NJ are eligible for membership.
- Employees of Exelon are eligible for membership.
Military, government and schools
- Employees of Hamilton Township Municipal Utilities Authority headquartered in Mays Landing, NJ are eligible for membership.
Family and household
- Relatives by birth or marriage and household members who share expenses with a member are eligible for membership.
Cost to join
- Opening a Share Savings Account requires a $5.00 deposit representing a share in the credit union.
Membership information collected October 5, 2026.