--- title: "First Harvest Credit Union Rates - New Jersey" description: "Current auto loan, heloc, and savings & cd rates from First Harvest Credit Union in New Jersey. Updated daily with source verification. See who can join First Harvest Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/first-harvest" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Harvest Credit Union Rates - New Jersey ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 4.990% | new | Standard | First Harvest Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Today s Rates (60 Months)** heloc | — APR | 6.240% | — | Standard | | **Today s Rates (80% LTV)** heloc | — APR | 6.500% | — | Standard | | **Today s Rates (72-84 Months)** heloc | — APR | 6.740% | — | Standard | | **Today s Rates (96-120 Months)** heloc | — APR | 7.240% | — | Standard | | **Today s Rates (81%-90% LTV)** heloc | — APR | 7.500% | — | Standard | | **Today s Rates (132-180 Months)** heloc | — APR | 7.740% | — | Standard | First Harvest Credit Union heloc rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Growth Checking account** checking | — APY | 2.00% | — | Specialty offer | | **Growth savings account** savings | — APY | 3.00% | — | Standard | | **11-Month IRA Certificate** ira_cd_11mo | — APY | 4.05% | 11 mo | Standard | First Harvest Credit Union savings & cd rates as of November 12, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Today s Rates (36-60 Months)** other | — % | 4.990% | — | Standard | | **Today s Rates (72 Months)** other | — % | 5.490% | — | Standard | | **Today s Rates (84 Months (min. $25,000))** other | — % | 5.990% | — | Standard | | **Today s Rates (96 Months (min. $50,000))** other | — % | 6.990% | — | Standard | | **84 Months (min. $25,000)** other | — % | 6.990% | — | Standard | First Harvest Credit Union other rates as of November 12, 2026 First Harvest Credit Union is a credit union in New Jersey. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/first-harvest) , verified from [First Harvest Credit Union's official website](https://www.firstharvestcu.com/) Loading branch locator… ## About First Harvest Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 50.2K Assets $472.6M Founded 1940 Locations reported 8 NCUA charter 3951 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 - Bilingual services - Student scholarships 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. [**American Heritage** Glendora · Glendora · NJ · 08029-1308 About 3.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/american-heritage) [**Police & Fire** Stadium Branch · Philadelphia · PA · 19145-5802 About 6.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/police-fire) [**Navy Federal Credit Union** South Philadelphia PA · Philadelphia · PA · 19148 About 6.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Eagle One** South Broad Street (from merger) · Philadelphia · PA · 19145-4658 About 6.6 miles away](https://rateapi.dev/credit-unions/delaware/eagle-one) [**Fort Billings** FORT BILLINGS FEDERAL CREDIT UNION · GIBBSTOWN · NJ · 08027 About 6.6 miles away](https://rateapi.dev/credit-unions/new-jersey/fort-billings) [**American Airlines** AAFCU - PHL · Philadelphia · PA · 19153-3716 About 6.8 miles away](https://rateapi.dev/credit-unions/texas/american-airlines) 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 Harvest Credit Union Membership eligibility from First Harvest Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Harvest Credit Union's website. Check the membership page below to confirm whether you qualify. - Location NJ - Association New Jersey Consumer Council Verified from [First Harvest Credit Union's membership page](https://www.firstharvestcu.com/connect/membership/join-first-harvest-cu/) . Final membership determination is always made by the credit union. ## Membership rules for First Harvest Credit Union Geography 70 · Associations · Family 2 73 published paths to membership, last verified November 8, 2026, quoted from First Harvest Credit Union’s own published criteria. ### Geography 14 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Alloway, NJ - Atlantic City, NJ - Bridgeton, NJ - Camden, NJ - Commercial, NJ - Fairfield, NJ - Fairton, NJ - Glassboro, NJ - Mannington, NJ - Millville, NJ - Pleasantville, NJ - Quinton, NJ - Salem, NJ - Vineland, NJ “Anyone who lives, works, worships, goes to school or regularly conducts business in the following communities qualifies for membership: Alloway Community Atlantic City Community Bridgeton Community Camden Community Commercial Community Fairton Community Fairfield Community (Cumberland County)…” > [source ↗](https://www.firstharvestcu.com/connect/membership/join-first-harvest-cu/) ### Associations 1 Human-reviewed quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of New Jersey Consumer Council “If you’re a member of New Jersey Consumer Council (NJCC), joining First Harvest is quick and easy — with no additional cost.” > [source ↗](https://www.firstharvestcu.com/connect/membership/join-first-harvest-cu/) - Member of New Jersey Consumer Council ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member spouse, child, grandchild, parent, grandparent, sibling, household member “If you’re related to or live with a First Harvest member, you’re eligible to join. This includes spouses, children, grandchildren, parents, grandparents, siblings, and household members.” > [source ↗](https://www.firstharvestcu.com/connect/membership/join-first-harvest-cu/) - Family member (spouse, child, grandchild, parent, grandparent, sibling, household member) of a member - Family of someone eligible immediate family, household member “Employees of our Select Employer Groups , (SEGs), along with retirees, their immediate families, and household members, are welcome to join.” > [source ↗](https://www.firstharvestcu.com/connect/membership/join-first-harvest-cu/) - Family member (immediate family, household member) of an eligible person 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 Harvest Credit Union? Yes No ## Work at First Harvest 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 Harvest Credit Union ranks against New Jersey peers. - See which AI assistants fetched First Harvest 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-harvest&state=new-jersey&code=NJ&name=First%20Harvest%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Harvest Credit Union offer? First Harvest Credit Union currently offers Auto loan, and HELOC 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 Harvest Credit Union rates updated? RateAPI verifies First Harvest 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 Harvest Credit Union's rate data? Rate data is collected directly from First Harvest 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 First Harvest Credit Union? First Harvest Credit Union publishes its membership criteria on its own website. RateAPI tracks 73 published membership paths covering 70 geographic areas and 1 association for First Harvest Credit Union, each quoted from First Harvest Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First Harvest 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) [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.firstharvestcu.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 Harvest 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 Harvest Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /first-harvest " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Harvest Credit Union locations Search, filter, and browse all 8 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-harvest Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp