Credit union · NCUA insured
Mercer County NJ Teachers' Federal Credit Union Auto Loan Rates
Mercer County NJ Teachers' Federal Credit Union auto loans start at 5.09% APR for a new vehicle and 5.34% for a used one. Rates checked October 22, 2026.
How Mercer County NJ Teachers' Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Trenton, NJ, where Mercer County NJ Teachers' Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mercer County NJ Teachers' Federal Credit Union
5.09%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Car
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
Mercer County NJ Teachers' Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mercer County NJ Teachers' 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 Car
Rates are subject to change and based on an individual's credit history. 100% financing available with terms up to 84 months and no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.09% | Rates are subject to change & based on an individual’s credit history. |
| up to 72 months | 5.59% | Rates are subject to change & based on an individual’s credit history. |
| up to 84 months | 6.09% | Rates are subject to change & based on an individual’s credit history. |
Sources (2)
All captured Oct 22, 2026
Pre-Owned
Rates are subject to change and based on an individual's credit history. 100% financing available with no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.34% | Rates are subject to change & based on an individual’s credit history. |
| up to 72 months | 5.84% | Rates are subject to change & based on an individual’s credit history. |
Sources (2)
All captured Oct 22, 2026
Who can join Mercer County NJ Teachers' 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 partner companies Haldeman Auto Group (all dealerships & corporate center) and Office Interiors are eligible for membership.
Military, government and schools
- Employees of designated school districts and private schools, as well as staff and students of Mercer County Community College, are eligible for membership.
Family and household
- Family members (including immediate family, stepfamily, and other extended relatives) of current members are eligible for membership.
Membership information collected October 5, 2026.