Credit union · NCUA insured
Rutgers Federal Credit Union Auto Loan Rates
Rutgers Federal Credit Union auto loans start at 6.00% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Rutgers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Rutgers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rutgers Federal Credit Union
6.00%APR
- Terms
- up to 60 months
- Discount
- None included
New 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
Rutgers Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rutgers 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.
First Time Auto Buyer
A vehicle loan for higher education graduates that do not have a credit score with a verifiable consistent 2-year job history. All loans are subject to credit union lending guidelines and credit worthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.99% | — |
Sources (2)
All captured Oct 7, 2026
New Auto Loan
Financing up to 100% of MSRP. Rates are based on credit score. All loans are subject to credit union lending guidelines and credit worthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Rates are based on credit score. |
| up to 36 months | 5.25% | Rates are based on credit score. |
| up to 48 months | 5.50% | Rates are based on credit score. |
| up to 60 months | 6.00% | Rates are based on credit score. |
| up to 72 months | 6.25% | For qualified borrowers only, minimum amount of $10,000. Rates are based on credit score. |
| up to 84 months | 6.25% | For qualified borrowers only, minimum amount of $25,000. Rates are based on credit score. |
Sources (2)
All captured Oct 7, 2026
Used Auto Loan
Financing up to 100% NADA retail value. Subject to credit and collateral approval. Model years 2019-newer: maximum term 72 months, maximum mileage 60,000 miles. Model years 2015-2018: maximum term 60 months, maximum mileage 90,000 miles. Model years 2014 or older, or Classic/Exotic vehicles: maximum term 36 months, maximum mileage 100,000 miles. Rates are based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Rates are based on credit score. |
| up to 36 months | 5.25% | Rates are based on credit score. |
| up to 48 months | 5.50% | Rates are based on credit score. |
| up to 60 months | 6.00% | Rates are based on credit score. |
| up to 72 months | 6.25% | For qualified borrowers only, minimum amount of $10,000. Rates are based on credit score. |
Sources (2)
All captured Oct 7, 2026
Who can join Rutgers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Rutgers Council of AAUP Chapter is eligible for membership.
- Employees of Rutgers Federal Credit Union are eligible for membership.
- Rutgers University Foundation is eligible for membership.
Military, government and schools
- Employees of Rutgers University are eligible for membership.
- Students attending Rutgers, the State University of New Jersey, headquartered in New Brunswick, NJ, and limited to those living in New Jersey are eligible for membership.
Family and household
- Immediate family or household members of a credit union member are eligible for membership.
2 more ways to join
Family and household
- Spouses of persons who died while within the field of membership of RFCU are eligible for membership.
Other ways
- Retired pensioners and annuitants are eligible for membership.
Cost to join
- Requires a $5.00 cash deposit into a share savings account via deposit or payroll deduction to open membership.
Membership information collected October 5, 2026.