Credit union · NCUA insured
Essex County Teachers FCU Auto Loan Rates
Essex County Teachers FCU auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Essex County Teachers FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Essex County Teachers FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Essex County Teachers FCU
5.75%APR
- Terms
- 37–60 months
- Discount
- None included
Auto Loans
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
Essex County Teachers FCU auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Essex County Teachers 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
For purchasing a new or used vehicle or refinancing a vehicle already bought. 10-month employees can take advantage of the Summer Skip option with no payments due during the summer months. Actual rate and term may vary. Rates subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | — |
| 37–60 months | 5.75% | — |
| 61–72 months | 6.00% | — |
Sources (1)
- ectcu.org/auto-loans · captured Oct 7, 2026
Who can join Essex County Teachers FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Excalibur Abstract Company are eligible for membership.
- Employees of Montclair Police FOP are eligible for membership.
Military, government and schools
- Employees of most Boards of Education in Essex County are eligible for membership.
- Employees of the County of Essex are eligible for membership.
- Employees of the New Jersey court system who work in Essex County are eligible for membership.
Family and household
- Household and immediate family members of eligible individuals are eligible for membership.
1 more way to join
Other ways
- Retirees from any of the eligible employee groups are eligible for membership.
Membership information collected October 5, 2026.