Top credit unions in New Jersey ranked by best APR.
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Car rates are for 72 months. The rates listed are the best offered by the top credit unions in New Jersey for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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First Harvest Credit Union
First Harvest CU was established in 1940 and has over 45,000 members at 9 credit unions in New Jersey. It was created for shipbuilders crafting vessels for the US Coast Guard at the largest shipyard in the world during the 1940s.
Anyone can join as described in the field of membership.
First Harvest CU ranks #1 on our 2023 credit union list for competitive rates on all loan types with top customer service.
Headquarters: 1615 Hurffville Rd, Deptford, NJ 08096
North Jersey Federal Credit Union
NJFCU was established in 1936 and serves over 25,000 members at 3 locations in New Jersey. The ways to join include residents of the City of Newark, and the Counties of Bergen or Passaic.
NJFCU offers Club Accounts for families who want to teach the next generation about good spending habits.
Headquarters: 711 Union Blvd, Totowa, NJ 07512
XCEL Federal Credit Union
XCEL was founded in 1964 and has 15,000 members from 2 credit unions in New Jersey. It started for welders at the Port Authority of NJ building the largest East Coast container port, a top international cargo hub.
Membership is available to employees of Jersey City and members of affiliated organizations as listed in the ways to join.
Headquarters: 1460 Broad St, Bloomfield, NJ 07003
Credit Union of New Jersey
The CU of NJ was established in 1943. It has 40,000 members at 4 branches. All New Jersey residents qualify for membership through the ACC as listed in the ways to join.
The CU of NJ was created for highway engineers working for the NJ Department of Transportation.
Headquarters: 1301 Parkway Ave, Ewing, NJ 08628
First Atlantic Federal Credit Union
First Atlantic FCU was founded in 1935 and has 25,000 members from 5 locations in NJ. Eligibility to join includes Monmouth or Ocean County.
FAFCU attends the Jersey Shore Spring Home Show each year to meet prospective members and review funding options for home improvement projects.
Headquarters: 468 Industrial Way, Eatontown, NJ 07724
Garden Savings Federal Credit Union
Established in 1968 for employees at Bell Laboratories, Garden Savings CU serves over 29,000 members at 5 unions in NJ. The founding company built the satellites that transmitted the first global TV broadcast featuring President Kennedy.
Membership is open to all residents of New Jersey through the American Consumer Council.
Headquarters: 129 Littleton Rd, Parsippany, NJ 07054
Proponent Federal Credit Union
Proponent FCU was established in 1971. It has over 20,000 members at 4 locations. It was created for pharmaceutical scientists manufacturing medicines at the Swiss biotech company Hoffman-LaRoche.
The ways to join include the R&D teams working in the ON3 Biotech Business Park, Residents of Nutley, and Members of affiliated organizations.
Headquarters: 536 Washington Ave, Nutley, NJ 07110
Atlantic Federal Credit Union
Founded in 1935 for AT&T employees, Atlantic FCU serves 18,500 members at 2 unions.
The field of membership includes Essex and Union County.
Headquarters: 1331 Magie Ave, Union, NJ 07083
Picatinny Federal Credit Union
Established in 1939, Picatinny FCU serves 20,000 clients at 5 branches in NJ. It was created to support US Army recruits at the Picatinny training facility.
Morris County residents qualify for membership as listed in the ways to join.
Headquarters: 100 Mineral Springs Dr, Dover, NJ 07801
Affinity Federal Credit Union
Established in 1935, Affinity FCU is the largest credit union in NJ. It has 235,000 members at 18 branches. It began with employees at Western Electric developing the first telecommunication network in the USA.
Anyone can join via the Affinity Foundation, a non-profit organization whose members are eligible to join the credit union.
Headquarters: 73 Mountainview Blvd, Basking Ridge, NJ 07920