Credit union · NCUA insured
New Jersey State PBA FCU Auto Loan Rates
New Jersey State PBA FCU auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How New Jersey State PBA FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where New Jersey State PBA FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
New Jersey State PBA FCU
5.75%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loan
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
New Jersey State PBA FCU auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
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 State PBA 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
Available for New & Used auto loans up to $50,000. Maximum mileage 100,000 and vehicle model year 2016-2050. Must be a member of New Jersey State PBA FCU before applying. Membership eligibility includes all New Jersey State PBA Members, locals, affiliates, and their family members. Rates subject to credit approval and creditworthiness. $99.00 auto loan processing fee applies (may be paid upfront or added to the loan amount).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.75% | Rate starts at 5.75% APR for 60 months. Subject to credit approval and creditworthiness. Vehicle condition: New & Used. Stated fee: $99.00 auto loan processing fee. |
| up to 72 months | 6.00% | Rate starts at 6.00% APR for 72 months. Subject to credit approval and creditworthiness. Vehicle condition: New & Used. Stated fee: $99.00 auto loan processing fee. |
Sources (4)
- forms.njspbafcu.org/auto-loan-application
- njspbafcu.org
- njspbafcu.org/loan-rates
- njspbafcu.org/loan-types
All captured Oct 4, 2026
Who can join New Jersey State PBA FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership eligibility includes all New Jersey State PBA members, retirees, locals, and affiliates.
Family and household
- Family members of New Jersey State PBA members and retirees are eligible to join once the member joins.
Membership information collected October 5, 2026.