--- title: "1st Bergen Credit Union Rates - New Jersey" description: "Current auto loan, personal loan, and savings & cd rates from 1st Bergen Credit Union in New Jersey. Updated daily with source verification. See who can join 1st Bergen Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/1st-bergen" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # 1st Bergen Credit Union Rates - New Jersey ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month Auto Loan** auto_any_36mo | — APR | 3.990% | 36 mo | Standard | | **Up to 60-Month Auto Loan** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Up to 84-Month Auto Loan** auto_any_84mo | — APR | 6.250% | 84 mo | Standard | 1st Bergen Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Up to 24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 7.750% | 24 mo | Standard | | **Up to 36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 8.500% | 36 mo | Standard | | **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 9.250% | 60 mo | Standard | 1st Bergen Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Primary Share Account** share_savings | — APY | 0.75% | — | Standard | | **Standard Club Savings** savings | — APY | 0.75% | — | Specialty offer | | **Vacation Club Savings** savings | — APY | 0.80% | — | Specialty offer | | **Teacher's Club Savings** savings | — APY | 1.25% | — | Specialty offer | | **36-Month Certificate** cd_36mo | — APY | 1.75% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.00% | 24 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.75% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.75% | 12 mo | Standard | | **3-Month Certificate** cd_3mo | — APY | 3.00% | 3 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.25% | 60 mo | Standard | | **5 Month Dream Builder Certificate*** cd_5mo | — APY | 5.00% | 5 mo | Standard | 1st Bergen Credit Union savings & cd rates as of November 13, 2026 1st Bergen Credit Union is a credit union in New Jersey. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/1st-bergen) , verified from [1st Bergen Credit Union's official website](https://www.1stbergen.com/) Loading branch locator… ## About 1st Bergen Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.7K Assets $11.3M Founded 2009 Locations reported 3 NCUA charter 24810 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Teaneck** TFCU · TEANECK · NJ · 07666 About 2.0 miles away](https://rateapi.dev/credit-unions/new-jersey/teaneck) [**H. E. Telephone** Rochelle Park · Rochelle Park · NJ · 07662-3126 About 2.5 miles away](https://rateapi.dev/credit-unions/new-jersey/h-e-telephone) [**Visions** Saddle Brook · Saddle Brook · NJ · 07663 About 2.7 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**Polish & Slavic** Garfield Branch · Garfield · NJ · 07026 About 3.3 miles away](https://rateapi.dev/credit-unions/new-york/polish-slavic) [**Affinity** River Edge Branch · River Edge · NJ · 07661 About 3.5 miles away](https://rateapi.dev/credit-unions/new-jersey/affinity) [**North Jersey** Elmwood Park · Elmwood Park · NJ · 07407 About 3.8 miles away](https://rateapi.dev/credit-unions/new-jersey/north-jersey) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join 1st Bergen Credit Union Membership eligibility from 1st Bergen Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on 1st Bergen Credit Union's website. Check the membership page below to confirm whether you qualify. - Location bergen, ocean — NJ Verified from [1st Bergen Credit Union's membership page](https://www.1stbergen.com/join-us) . Final membership determination is always made by the credit union. ## Membership rules for 1st Bergen Credit Union Geography 2 counties · Family 2 26 published paths to membership, last verified August 27, 2026, quoted from 1st Bergen Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Bergen County, NJ - Jersey City, NJ - Ocean County, NJ - Paterson, NJ “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Bergen County, NJ; Ocean County, NJ” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Immediate family of current members are also eligible to join 1st Bergen” > [source ↗](https://www.1stbergen.com/join-us) - Family member of a member - Family of a member immediate family “Immediate family of current members are also eligible to join 1st Bergen” > [source ↗](https://www.1stbergen.com/join-us) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for 1st Bergen Credit Union? Yes No ## Work at 1st Bergen Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where 1st Bergen Credit Union ranks against New Jersey peers. - See which AI assistants fetched 1st Bergen Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New Jersey - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=1st-bergen&state=new-jersey&code=NJ&name=1st%20Bergen%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does 1st Bergen Credit Union offer? 1st Bergen Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are 1st Bergen Credit Union rates updated? RateAPI verifies 1st Bergen Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get 1st Bergen Credit Union's rate data? Rate data is collected directly from 1st Bergen Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join 1st Bergen Credit Union? 1st Bergen Credit Union publishes its membership criteria on its own website. RateAPI tracks 26 published membership paths covering 2 counties for 1st Bergen Credit Union, each quoted from 1st Bergen Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare 1st Bergen Credit Union's rates against national credit-union benchmarks. [More New Jersey credit unions](https://rateapi.dev/credit-unions/new-jersey) [New Jersey auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-jersey) [New Jersey personal loan leaders](https://rateapi.dev/personal-loan-rates/new-jersey) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.1stbergen.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track 1st Bergen Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New Jersey credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for 1st Bergen Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /1st-bergen " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## 1st Bergen Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-jersey/1st-bergen Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp