Credit union · NCUA insured
Central Jersey Federal Credit Union Auto Loan Rates
Central Jersey Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Central Jersey Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Central Jersey Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central Jersey Federal Credit Union
5.00%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Central Jersey Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- 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 Central Jersey 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.
New Auto Loan
Must be a member in good standing and meet all lending requirements; membership requires $5 minimum in savings. Maximum term is 60 months for loan amounts of $14,999 or lower, and 84 months for $15,000 or higher. Fixed interest rate. Maximum APR that may be imposed on any loan plan is 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00% | Loan amounts of $14,999 or lower have a maximum term of 60 months. Loan of $15,000 or higher have a maximum term of 84 months. APR as low as 5.00%. |
Used Auto Loan
Must be a member in good standing and meet all lending requirements; membership requires $5 minimum in savings. Financing valid for models 5 years old and newer (older than 5 years dependent on vehicle value). Maximum loan determined by CJFCU using NADA value; financing available up to NADA average retail value plus tags, title, and taxes. Maximum term is 60 months for loan amounts of $14,999 or lower, and 84 months for $15,000 or higher. Fixed interest rate. Maximum APR that may be imposed on any loan plan is 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00% | Loan amounts of $14,999 or lower have a maximum term of 60 months. Loan of $15,000 or higher have a maximum term of 84 months. Vehicles eligible for used auto loan or refinance rates are 5 years old or newer; for vehicles older than 5 years, financing dependent on vehicle value. APR as low as 5.00%. |
Who can join Central Jersey Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to all employees of participating Select Employee Groups (SEGs).
Family and household
- Immediate family members of an existing member are eligible for membership, including spouses (marriage or civil union), children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships.
Cost to join
- An initial share deposit of $5.00 is required to open a Share Savings Account and establish membership ownership.
Membership information collected October 5, 2026.