Credit union · NCUA insured
New Jersey Community FCU Auto Loan Rates
New Jersey Community FCU auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How New Jersey Community FCU’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where New Jersey Community FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
New Jersey Community FCU
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loan Rates (New & Used)
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
New Jersey Community FCU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where New Jersey Community FCU 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.
Auto Loan Rates (New & Used)
Preferred rate includes a 1/2% rate reduction given for payments made by Payroll Deduction with Automatic Payment. If discontinued, APR increases to the coupon book rate. Financing up to 100% available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | Preferred APR for term of 5 years or less. Requires payment by Payroll Deduction with Automatic Payment for preferred rate. |
| up to 72 months | 5.99% | Preferred APR for term up to 6 years. Requires payment by Payroll Deduction with Automatic Payment for preferred rate. |
| up to 84 months | 6.24% | Preferred APR for term up to 7 years. Requires payment by Payroll Deduction with Automatic Payment for preferred rate. |
Sources (2)
All captured Oct 22, 2026
Who can join New Jersey Community FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in select towns and cities in New Jersey (Cinnaminson, Delran, Eastampton, Evesboro, Evesham, Hainesport, Lumberton, Maple Shade, Marlton, Medford, Medford Lakes, Moorestown, Mount Holly, Mount Laurel, Rancocas Woods, Riverton, West Moorestown) are eligible to join.
Family and household
- Any family member of an existing member of NJ Community Federal Credit Union is eligible to join, including spouse, children, parents, siblings (including adoptions) regardless of residence, in-laws, and "Steps."
- Household members and family members (spouse, children, parents, siblings) of existing members are eligible to join.
Membership information collected October 5, 2026.