See current Members 1st of NJ loan rates for auto and used-car loans, personal loans, home equity, VISA, motorcycles, RVs, boats, and green loans – all in one place.
As a member-owned credit union, we return earnings to members instead of shareholders, which is one reason our rates are competitive with New Jersey banks.
Credit unions are not-for-profit and member-owned, so the rate you see here reflects that structure. For auto, used-car, and personal loans, members frequently find Members 1st rates lower than comparable bank offers. Use the tables below to compare by loan type and term.
The rate you qualify for depends on a few factors:
Newer vehicles and shorter terms typically earn the lowest rates. All rates below are current.
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 4.80%* | 1-38 months | |
| As low as 5.05%* | 39-50 months | |
| As low as 5.30%* | 51-62 months | |
| As low as 5.80%* | 63-74 months ($15,000+) New Vehicles Only | |
| As low as 6.05%* | 75-84 months ($25,000+) |
| APR | APY | Info and/or Terms |
|---|---|---|
| As Low As 5.00%* | 80% LTV, Score 730+ | |
| Prime - 0.50%* | HELOC 80% LTV Max Loan Amount $150,000 |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 6.50%* | Model Year 2022-2026 | |
| As low as 7.45%* | Model Year 2018 - 2021 | |
| As low as 8.00%* | Model Year Up to 2017 |
| APR | APY | Info and/or Terms |
|---|---|---|
| 10.50%* - 18.00%* | ||
| APR | APY | Info and/or Terms |
|---|---|---|
| Discount of 1.00% | Auto, If eco-friendly (hybrid or electric) |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 6.65%* | Model Year 2022 - 2026 | |
| As low as 7.70%* | Model Year 2018 - 2021 |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 9.30%* | 1-60 months | |
| As low as 12.25%* | Line of Credit - Revolving |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 6.50%* | Model Year 2022 - 2026- Up to 144 Months | |
| As low as 7.45%* | Model Year 2018- 2021- Up to 144 Months |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 5.45%* | 1-38 months | |
| As low as 5.80%* | 39-50 months | |
| As low as 6.05%* | 51-62 months |
| APR | APY | Info and/or Terms |
|---|---|---|
| As low as 8.45%* | 1-38 Months | |
| As low as 8.80%* | 39-50 Months | |
| As low as 9.05%* | 51-62 Months |
Often, yes. Because Members 1st is member-owned and not-for-profit, earnings are returned to members as lower loan rates and better terms. Auto, used-car, and personal loans are common areas where members find credit union rates lower than banks.
Auto and used-car loan rates depend on your credit, the loan term, and the age of the vehicle. Current rates for new and used vehicles are listed in the table above; apply to lock in the rate you qualify for.
Rates are tiered by vehicle age, not by new-versus-used status. Vehicles up to four years old qualify for our lowest rates, while older used vehicles are priced in separate tiers by model year. Check the tables above to see where your vehicle falls.
Yes, these rates are for Members 1st of NJ members. Joining is simple: If you qualify through a Member Organization employer group or have an immediate family member who’s already a member, you can join by opening a Share Savings account with a $5 minimum.
You can apply online or in person at any Members 1st of NJ branch, including our Vineland, Bridgeton, and Millville locations.
Members 1st Federal Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Members 1st Federal Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.
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