Credit union · NCUA insured
Raritan Bay Federal Credit Union Auto Loan Rates
Raritan Bay Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Raritan Bay Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Raritan Bay Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Raritan Bay Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loans
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
Raritan Bay Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Raritan Bay 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 Loans
Rates published are base rates; the rate paid is based on term length and individual creditworthiness. Up to 100% financing available on all purchases.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Base rate for qualified borrowers. |
| up to 60 months | 4.99% | Base rate for qualified borrowers. |
| up to 84 months | 5.25% | Requires credit score of 680+ and vehicle model year 2024 & newer. Qualified borrowers only. |
Used Auto Loans
Rates published are base rates; the rate paid is based on term length and individual creditworthiness. Up to 100% financing available on all purchases.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Applicable for vehicles 2013 & Newer. |
| up to 60 months | 4.99% | Applicable for vehicles 2019 & Newer. |
| up to 72 months | 5.25% | Applicable for vehicles 2022 & Newer. |
Who can join Raritan Bay Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Middlesex County.
Family and household
- Family members of members are eligible to join and remain members for life.
Membership information collected October 5, 2026.