--- title: "First Atlantic Credit Union Rates (Nov 2026): CDs to 4.50%" description: "First Atlantic Credit Union rates today: savings & CDs up to 4.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join First Atlantic Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/first-atlantic" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Atlantic Credit Union Rates (Nov 2026): CDs to 4.50% **Awaiting fresh data:** mortgage rates appeared in the latest dated market snapshot, but those rows are outside the current serving window. We do not present stale figures as current rates. ### Auto & vehicle rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan / Lease Buyout** auto | — APR | 4.990% | — | Standard | | **Up to 36-Month Auto Loan** auto_any_36mo | — APR | 4.990% | 36 mo | Standard | | **Auto Loan Rates (37 to 48 Months)** auto_any_48mo | — APR | 5.240% | 48 mo | Standard | | **Auto Loan Rates (61 to 72 Months)** auto_any_72mo | — APR | 5.240% | 72 mo | Standard | | **Auto Loan Rates (49 to 60 Months)** auto_any_60mo | — APR | 5.490% | 60 mo | Standard | | **Auto Loan Rates (73 to 84 Months)** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **Up to 48-Month RV Loan** rv_any_48mo | — APR | 9.000% | 48 mo | Standard | | **Recreational Vehicle Loan Rates (49 to 60 Months)** rv_any_60mo | — APR | 9.500% | 60 mo | Standard | | **Motorcycle Loan Rates (NEW & USED MOTORCYCLE)** motorcycle_any_48mo | — APR | 10.000% | 48 mo · any | Standard | | **Recreational Vehicle Loan Rates (61 to 72 Months)** rv_any_72mo | — APR | 10.000% | 72 mo | Standard | | **Recreational Vehicle Loan Rates (73 to 84 Months)** rv_any_84mo | — APR | 10.250% | 84 mo | Standard | | **Motorcycle Loan Rates (NEW & USED MOTORCYCLE)** motorcycle_any_60mo | — APR | 10.500% | 60 mo · any | Standard | | **Recreational Vehicle Loan Rates (85 to 144 Months)** rv_any_144mo | — APR | 11.000% | 144 mo | Standard | First Atlantic Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 4.990% | — | Standard | First Atlantic Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Secured Personal Loan** personal_secured | — APR | 5.650% | — | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 7.990% | 12 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 8.990% | 24 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 9.990% | 36 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 10.990% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 11.990% | 60 mo | Standard | First Atlantic Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 11.700% | — | Standard | | **Business Credit Card** credit_card_business | — APR | 12.250% | — | Standard | | **Visa® SIGNATURE REWARDS** credit_card_rewards | — APR | 13.700% | — | Standard | | **Visa® BUSINESS REWARDS** credit_card_business | — APR | 14.750% | — | Standard | | **Secured Credit Card** credit_card_secured | — APR | 17.990% | — | Standard | First Atlantic Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 36 offers | Product | Published | Rate | Term / condition | Status | | **3-Month Certificate ($500+)** cd_3mo | 0.05% APY | 0.05% | 3 mo | Standard | | **Certificates of Deposit (CD) / IRA CD Rates (3-Month)** ira_cd_3mo | 0.05% APY | 0.05% | 3 mo | Standard | | **Savings Account Rates (Club Savings 1)** savings | — APY | 0.05% | — | Specialty offer | | **Certificates of Deposit (CD) / IRA CD Rates ($500 minimum)** ira_cd | — APY | 0.05% | — | Standard | | **Club Savings 1** savings | 0.05% APY | 0.05% | — | Specialty offer | | **$250 Minimum** savings | 0.05% APY | 0.05% | — | Standard | | **Business Savings** savings | 0.05% APY | 0.05% | — | Eligibility restricted | | **Youth Savings** savings | 0.15% APY | 0.15% | — | Eligibility restricted | | **Savings Account Rates (IRA Savings 3)** ira | — APY | 0.15% | — | Standard | | **Savings Account Rates (Member Savings)** savings | — APY | 0.15% | — | Standard | | **$1,000 - $9,999.99** savings | 2.00% APY | 1.99% | — | Standard | | **Certificates of Deposit (CD) / IRA CD Rates (6-Month)** ira_cd_6mo | 2.00% APY | 1.99% | 6 mo | Standard | | **Certificates of Deposit (CD) / IRA CD Rates (12-Month)** ira_cd_12mo | 2.00% APY | 1.99% | 12 mo | Standard | | **6-Month Certificate ($500+)** cd_6mo | 2.00% APY | 1.99% | 6 mo | Standard | | **$2,500 - $9,999.99** savings | 2.00% APY | 1.98% | — | Standard | | **Savings Account Rates (IRA Savings (Promo Q422) 4)** ira | — APY | 2.23% | — | Standard | | **$10,000 - $24,999.99** savings | 2.50% APY | 2.47% | — | Standard | | **$10,000 - $24,999.99** savings | 2.75% APY | 2.72% | — | Standard | | **Certificates of Deposit (CD) / IRA CD Rates (2-Year)** ira_cd_24mo | 3.00% APY | 2.96% | 24 mo | Standard | | **24-Month Certificate ($500+)** cd_24mo | 3.00% APY | 2.96% | 24 mo | Standard | | **$100,000 Or More** savings | 3.50% APY | 3.45% | — | Standard | | **$25,000 - $49,999.99** savings | 3.50% APY | 3.45% | — | Standard | | **36-Month Certificate ($500+)** cd_36mo | 3.50% APY | 3.45% | 36 mo | Standard | | **Certificates of Deposit (CD) / IRA CD Rates (4-Year)** ira_cd_48mo | 3.50% APY | 3.45% | 48 mo | Standard | | **Certificates of Deposit (CD) / IRA CD Rates (5-Year)** ira_cd_60mo | 3.50% APY | 3.45% | 60 mo | Standard | | **Certificates of Deposit (CD) / IRA CD Rates (3-Year)** ira_cd_36mo | 3.50% APY | 3.45% | 36 mo | Standard | | **$50,000 - $99,999.99** savings | 3.50% APY | 3.45% | — | Standard | | **$100,000 Or More** savings | 3.60% APY | 3.54% | — | Standard | | **$50,000 - $99,999.99** savings | 3.60% APY | 3.54% | — | Standard | | **Money Market** money_market | — APY | 3.75% | — | Standard | | **Certificates of Deposit (CD) / IRA CD Rates (12-Month Promo)** ira_cd_12mo | 3.85% APY | 3.78% | 12 mo | Standard | | **12-Month Certificate ($500+)** cd_12mo | 3.85% APY | 3.78% | 12 mo | Standard | | **Savings Account Rates (Head Start Youth Savings 2)** savings | — APY | 3.93% | — | Eligibility restricted | | **Head Start Youth Savings 2** savings | 4.00% APY | 3.93% | — | Eligibility restricted | | **Certificates of Deposit (CD) / IRA CD Rates (Grand Opening 6-Month Promo 1)** ira_cd_6mo | 4.50% APY | 4.41% | 6 mo | Standard | | **Certificate** cd | — APY | 4.50% | — | Standard | First Atlantic Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/first-atlantic) , verified from [First Atlantic Credit Union's official website](https://www.fafcu.com/) Best statewide position **#3 of 35** HELOC (best offer) Percentile band **Top 9%** among comparable NJ offers Products tracked **4** in this dated snapshot Best-position spread **125 bp better than state median** 75 bp from state best | Product | Published rate | State rank | State best | State median | Position vs. median | | 30-Year Fixed Mortgage (purchase) | 6.72% APR | #13 of 14 · top 93% | 5.25% | 6.41% | 31 bp behind state median | | HELOC (best offer) | 4.74% APR | #3 of 35 · top 9% | 3.99% | 5.99% | 125 bp better than state median | | Personal Loan (unsecured, best offer) | 7.99% APR | #12 of 57 · top 22% | 4.75% | 9.49% | 150 bp better than state median | | 12-Month CD (best APY) | 3.85% APY | #3 of 17 · top 18% | 4.00% | 3.00% | 85 bp better than state median | Published rate position by comparable product on August 1, 2026 Loading branch locator… ## About First Atlantic Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 20K Assets $331.8M Founded 1935 Locations reported 4 NCUA charter 82 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - 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. [**United Teletech Financial** HANCE AVE · TINTON FALLS · NJ · 07724 About 2.1 miles away](https://rateapi.dev/credit-unions/new-jersey/united-teletech-financial) [**Monmouth County Postal Employees** MCPECU · Red Bank · NJ · 07701-2057 About 3.3 miles away](https://rateapi.dev/credit-unions/new-jersey/monmouth-county-postal-employees) [**Navy Federal Credit Union** NWS Earle NJ · Colts Neck · NJ · 07722 About 4.9 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**First Financial** Neptune Branch · Neptune · NJ · 07753 About 5.0 miles away](https://rateapi.dev/credit-unions/new-jersey/first-financial) [**Affinity** Middletown Branch · Middletown · NJ · 07748-2012 About 7.5 miles away](https://rateapi.dev/credit-unions/new-jersey/affinity) [**I.l.a. Local 1235** ILA Local 1235 FCU · Laurence Harbor · NJ · 08879 About 13.5 miles away](https://rateapi.dev/credit-unions/new-jersey/ila-local-1235) 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 First Atlantic Credit Union Membership eligibility from First Atlantic Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Monmouth, Ocean, Middlesex - Location Monmouth, Ocean, Middlesex Verified from [First Atlantic Credit Union's membership page](https://www.fafcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for First Atlantic Credit Union Geography 2 counties 2 published paths to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 2 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Monmouth County, NJ - Ocean County, NJ “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Monmouth County, NJ; Ocean County, NJ” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) 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 First Atlantic Credit Union? Yes No ## Work at First Atlantic 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 First Atlantic Credit Union ranks against New Jersey peers. - See which AI assistants fetched First Atlantic 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=first-atlantic&state=new-jersey&code=NJ&name=First%20Atlantic%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Atlantic Credit Union offer? First Atlantic Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are First Atlantic Credit Union rates updated? RateAPI verifies First Atlantic Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get First Atlantic Credit Union's rate data? Rate data is collected directly from First Atlantic Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is First Atlantic Credit Union's best CD rate? As of November 12, 2026, First Atlantic Credit Union offers savings and certificate (CD) yields up to 4.50% APY. ### Who can join First Atlantic Credit Union? Community charter: live/work in Monmouth, Ocean, Middlesex RateAPI tracks 2 published membership paths covering 2 counties for First Atlantic Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare First Atlantic 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 HELOC rate leaders](https://rateapi.dev/heloc-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) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.fafcu.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 First Atlantic 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 First Atlantic Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /first-atlantic " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Atlantic Credit Union locations Search, filter, and browse all 4 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/first-atlantic Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp