Credit union · NCUA insured
Jersey Central Federal Credit Union Auto Loan Rates
Jersey Central Federal Credit Union auto loans start at 4.70% APR for a new vehicle and 4.95% for a used one. Rates checked October 22, 2026.
How Jersey Central Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Jersey Central Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Jersey Central Federal Credit Union
4.70%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto
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
Jersey Central Federal Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.70%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Jersey Central 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
Must be a member of the credit union to borrow. Rates are as low as, determined by credit score, term, and amount borrowed. Loan amounts up to $60,000. Finance up to 120% of the lesser of purchase price or MSRP (100% financing for qualified borrowers). Vehicle considered new if current model year or previous year with less than 3,000 miles. $40.00 application fee applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25% | APR as low as. Up to 24 months. $40.00 application fee. |
| up to 36 months | 4.40% | APR as low as. Up to 36 months. $40.00 application fee. |
| up to 48 months | 4.55% | APR as low as. Up to 48 months. $40.00 application fee. |
| up to 60 months | 4.70% | APR as low as. Up to 60 months. $40.00 application fee. |
| up to 72 months | 4.85% | APR as low as. Up to 72 months. $40.00 application fee. |
| up to 84 months | 5.00% | APR as low as. Up to 84 months. $40.00 application fee. |
Sources (3)
- jerseycentralfcu.com/rates.html
- jerseycentralfcu.com/Loans/loans.html
- jerseycentralfcu.com/News_Resources/disclosures.html
All captured Oct 7, 2026
Used Autos
Must be a member of the credit union to borrow. Rates are as low as, determined by credit score, term, and amount borrowed. Loan amounts up to $50,000. Finance up to 120% of the lesser of purchase price or MSRP (100% financing for qualified borrowers). Vehicle considered used if more than 3,000 miles. Age of vehicle plus loan length cannot exceed 12 years. $40.00 application fee applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | APR as low as. Up to 24 months. $40.00 application fee. |
| up to 36 months | 4.65% | APR as low as. Up to 36 months. $40.00 application fee. |
| up to 48 months | 4.80% | APR as low as. Up to 48 months. $40.00 application fee. |
| up to 60 months | 4.95% | APR as low as. Up to 60 months. $40.00 application fee. |
| up to 72 months | 5.10% | APR as low as. Up to 72 months. $40.00 application fee. |
Sources (3)
- jerseycentralfcu.com/rates.html
- jerseycentralfcu.com/Loans/loans.html
- jerseycentralfcu.com/News_Resources/disclosures.html
All captured Oct 7, 2026
Who can join Jersey Central Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of eligible partner companies and municipalities are eligible for membership.
- Retirees of eligible partner companies are eligible for membership.
Family and household
- Relatives of existing members are eligible for membership.
Cost to join
- Minimum opening deposit is $100 unless payroll deduction/direct deposit is elected.
- There is no fee to become a member.
Membership information collected October 5, 2026.