Credit union · NCUA insured
HMC NJ Federal Credit Union Auto Loan Rates
HMC NJ Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 6.24% for a used one. Rates checked October 22, 2026.
How HMC NJ Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where HMC NJ Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HMC NJ Federal Credit Union
4.49%APR
- Terms
- —
- Discount
- None included
New 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
HMC NJ Federal Credit Union auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HMC NJ 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.
Who can join HMC NJ 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This may be incomplete or out of date, so check with the credit union before you apply.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 volunteers of the Hunterdon Healthcare Systems are eligible for membership.
Family and household
- Families of employees and volunteers of the Hunterdon Healthcare Systems are eligible for membership.
Membership information collected October 5, 2026.