Credit union · NCUA insured
Bay Atlantic Federal Credit Union Auto Loan Rates
Top CarrotBay Atlantic Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Bay Atlantic Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Vineland, NJ, where Bay Atlantic Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bay Atlantic Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
Auto Loan (Model Year 2027 - 2024)
2nd-lowest rate
Members 1st of NJ Federal Credit Union
4.55%APR
- Terms
- —
- Discount
- None included
3rd-lowest rate
First Harvest Credit Union
4.99%APR
- Terms
- 36–60 months
- Discount
- Included in the rate
Bay Atlantic Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bay Atlantic Federal Credit Union 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 Loan (Model Year 2023 or Older)
Borrow up to 125% of NADA Clean Retail value / Loan to Value on new and used vehicle loans. Rate based on creditworthiness. Regular qualifications apply. Extended terms available on vehicle loans but may affect qualifying rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Borrow up to 125% Loan to Value. 72 monthly payments of $16.10 when you borrow $1,000.00. |
Auto Loan (Model Year 2027 - 2024)
Borrow up to 125% of NADA Clean Retail value / Loan to Value on new and used vehicle loans. Rate based on creditworthiness. Regular qualifications apply. Extended terms available on vehicle loans but may affect qualifying rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | Borrow up to 125% Loan to Value. 72 monthly payments of $15.64 when you borrow $1,000.00. |
Spring Auto Loan Special
Offer valid 4/1/26 - 5/31/26 (extended through May 31st). Borrow up to 125% of JD Power Clean Retail value. Rate based on creditworthiness. Regular qualifications apply. Must meet required criteria to be approved. No other discounts apply. Existing BAFCU vehicle loans are not eligible for refinance.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.99% | Offer valid 4/1/26 - 5/31/26. Borrow up to 125% of JD Power Clean Retail value. Existing BAFCU vehicle loans not eligible for refinance. No other discounts apply. |
Sources (1)
- bayatlanticfcu.org/spring-auto · captured Oct 4, 2026
Who can join Bay Atlantic Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of member groups or associations are eligible for membership.
Family and household
- Immediate family members of current account holders are eligible for membership.
Other ways
- Supporters of community partners Big Brothers Big Sisters of Cumberland and Salem Counties and CU Maurice River are eligible for membership.
Cost to join
- Members must open a Share Savings account with a minimum deposit of $25.
Membership information collected October 5, 2026.