Credit union · NCUA insured
Hamilton Horizons Federal Credit Union Auto Loan Rates
Hamilton Horizons Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Hamilton Horizons Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Trenton, NJ, where Hamilton Horizons Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hamilton Horizons Federal Credit Union
4.74%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
New Auto or Truck
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
New Jersey Law & Public Safety Credit Union
3.59%APR
- Terms
- 24–84 months
- Up to
- 14.69% APR
- Discount
- None included
Hamilton Horizons Federal Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hamilton Horizons 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 or Truck
Available for new vehicles or used vehicles up to 9 years old; 100% financing available. Terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | As low as 4.74% APR for terms up to 84 months. |
Used Auto or Truck
Available for used vehicles up to 9 years old; 100% financing available. Terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.74% | As low as 5.74% APR for terms up to 84 months. |
Who can join Hamilton Horizons Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives within Hamilton Township, New Jersey.
Employers and groups
- Membership is open to anyone who involves themselves in any organization (or is a member of any organization) located within Hamilton Township, New Jersey.
- Membership is open to individuals working or owning a business in Hamilton Township or the surrounding area.
Military, government and schools
- Membership is open to anyone who is an employee of Hamilton Township, New Jersey.
- Membership is open to anyone who goes to school within Hamilton Township, New Jersey.
Family and household
- Membership is open to anyone who is a relative of a current or potentially eligible member.
1 more way to join
Other ways
- Membership is open to anyone who worships within Hamilton Township, New Jersey.
Cost to join
- Opening a share savings account with a minimum deposit is required to establish membership (amount not specified).
Membership information collected October 5, 2026.