Credit union · NCUA insured
Members 1st of NJ Federal Credit Union Auto Loan Rates
Members 1st of NJ Federal Credit Union auto loans start at 4.55% APR for a new vehicle and 6.05% for a used one. Rates checked October 22, 2026.
How Members 1st of NJ Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Vineland, NJ, where Members 1st of NJ Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members 1st of NJ Federal Credit Union
4.55%APR
- Terms
- —
- Discount
- None included
Spring Auto Loan Promotional Offer
Lowest rate
Bay Atlantic Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
3rd-lowest rate
First Harvest Credit Union
4.99%APR
- Terms
- 36–60 months
- Discount
- Included in the rate
Members 1st of NJ Federal Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.55%
- Used vehicleUsed6.05%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members 1st of 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.
New and Used Vehicle Loans (up to 4 years old)
Rates shown are discounted 0.25% APR for automatic payments through payroll deduction, direct deposit, or ACH payments. Finance up to 100% of value including tax, tags, and extended warranties. Additional 0.50% APR discount when purchasing from a preferred partner. 1.00% APR discount available for eco-friendly (hybrid/electric/fuel-efficient) vehicles.
| Terms | APR | Conditions |
|---|---|---|
| 1–38 months | 4.80% | Rates shown include 0.25% APR discount for automatic payment. Vehicles up to 4 years old. |
| 39–50 months | 5.05% | Rates shown include 0.25% APR discount for automatic payment. Vehicles up to 4 years old. |
| 51–62 months | 5.30% | Rates shown include 0.25% APR discount for automatic payment. Vehicles up to 4 years old. |
| 63–74 months | 5.80% | New vehicles only. Rates shown include 0.25% APR discount for automatic payment. Minimum loan $15,000. |
| 75–84 months | 6.05% | Rates shown include 0.25% APR discount for automatic payment. Vehicles up to 4 years old. Minimum loan $25,000. |
Sources (2)
All captured Oct 15, 2026
Spring Auto Loan Promotional Offer
Promotional auto loan offer. APR requires auto payment. 60-day payment deferral before first payment (interest accrues during deferral period). Does not apply to refinancing loans currently with Members 1st of NJ FCU.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.55% | APR requires auto payment. 60-day first payment deferral. Does not apply to existing Members 1st of NJ FCU loan refinancing. Rates effective April 1, 2026. |
Sources (1)
- membersonenj.org/spring-auto-loan · captured Oct 15, 2026
Used Vehicle Loans (Models 2018-2021)
For used vehicle models 2018-2021. Rates shown are discounted 0.25% APR for automatic payments through payroll deduction, direct deposit, or ACH payments.
| Terms | APR | Conditions |
|---|---|---|
| 1–38 months | 5.45% | Rates shown include 0.25% APR discount for automatic payment. Models 2018-2021. |
| 39–50 months | 5.80% | Rates shown include 0.25% APR discount for automatic payment. Models 2018-2021. |
| 51–62 months | 6.05% | Rates shown include 0.25% APR discount for automatic payment. Models 2018-2021. |
Sources (2)
All captured Oct 15, 2026
Used Vehicle Loans (Models Up to 2017)
For used vehicle models up to 2017. Rates shown are discounted 0.25% APR for automatic payments through payroll deduction, direct deposit, or ACH payments.
| Terms | APR | Conditions |
|---|---|---|
| 1–38 months | 8.45% | Rates shown include 0.25% APR discount for automatic payment. Model up to 2017. |
| 39–50 months | 8.80% | Rates shown include 0.25% APR discount for automatic payment. Model up to 2017. |
| 51–62 months | 9.05% | Rates shown include 0.25% APR discount for automatic payment. Model up to 2017. |
Sources (2)
All captured Oct 15, 2026
Who can join Members 1st of 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 of select employer member groups are eligible for membership.
- Retirees of select employer member groups are eligible for membership.
Family and household
- Immediate family members of select employer group employees are eligible for membership.
Cost to join
- Membership requires opening a Share Savings Account and depositing and maintaining a minimum balance of $5.00.
Membership information collected October 5, 2026.