--- title: "First Point Credit Union: #1 Personal Loan in New Jersey" description: "First Point Credit Union has the lowest tracked personal loan rate in New Jersey (8.50% APR) among 31 credit unions we verify. First Point Credit Union rates today: auto loans from 4.99% APR, personal loans from 8.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join First Point Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/first-point" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Point Credit Union: #1 Personal Loan in New Jersey ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 4.990% APR | 4.990% | new | Standard | | **Used Auto Loan** auto_used | 5.990% APR | 5.990% | used | Standard | | **Used Auto Loan** auto_used | 6.490% APR | 6.490% | used | Standard | First Point Credit Union auto & vehicle rates as of November 5, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Overdraft Line of Credit** personal | 8.500% APR | 8.500% | — | Standard | First Point Credit Union personal loan rates as of November 5, 2026 Auto loans available from 4.99% APR. Personal loan rates from 8.5% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/first-point) , verified from [First Point Credit Union's official website](https://www.firstpointfcu.com/) Best product position **#1 of 31** personal loan Gap to state best **0 bp** State market leader Vs. state median **75 bp better than median** personal loan Products ranked **3** across tracked New Jersey markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.99% | Better than the New Jersey median | 25 bp from state best | 26 bp better than median | | used-car loan | 5.99% | Better than the New Jersey median | 75 bp from state best | 1 bp better than median | | personal loan | 8.50% | #1 of 31 · lowest in New Jersey | State market leader | 75 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim First Point Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=first-point&state=new-jersey&code=NJ&name=First%20Point%20Credit%20Union) Loading branch locator… ## About First Point Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.2K Assets $25.2M Founded 1955 Locations reported 2 NCUA charter 10319 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling 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. [**Altra** Altra Federal Credit Union · TRENTON · NJ · 08619-3311 Branch in the same ZIP](https://rateapi.dev/credit-unions/wisconsin/altra) [**Central Jersey Police & Fire** HAMILTON · Hamilton · NJ · 08619 About 0.8 miles away](https://rateapi.dev/credit-unions/new-jersey/central-jersey-police-fire) [**Hamilton Horizons** Hamilton Horizons FCU · Hamilton · NJ · 08619-1250 About 1.2 miles away](https://rateapi.dev/credit-unions/new-jersey/hamilton-horizons) [**Mercer County NJ Teachers** Mercer County NJ Teachers' FCU · Hamilton Square · NJ · 08690 About 2.2 miles away](https://rateapi.dev/credit-unions/new-jersey/mercer-county-nj-teachers) [**Affinity** Lawrenceville Branch · Lawrence Township · NJ · 08648 About 2.7 miles away](https://rateapi.dev/credit-unions/new-jersey/affinity) [**Polish & Slavic** Trenton Branch · Trenton · NJ · 08638 About 2.8 miles away](https://rateapi.dev/credit-unions/new-york/polish-slavic) 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 Point Credit Union Membership eligibility from First Point Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Point Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [First Point Credit Union's membership page](https://www.firstpointfcu.com/) . Final membership determination is always made by the credit union. ## Work at First Point 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 Point Credit Union ranks against New Jersey peers. - See which AI assistants fetched First Point 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-point&state=new-jersey&code=NJ&name=First%20Point%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Point Credit Union offer? First Point Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 5, 2026 directly from the credit union's official website. ### How often are First Point Credit Union rates updated? RateAPI verifies First Point Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 5, 2026. ### Where does RateAPI get First Point Credit Union's rate data? Rate data is collected directly from First Point Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are First Point Credit Union's auto loan rates? As of November 5, 2026, First Point Credit Union offers auto loans from 4.99% APR. ### What is First Point Credit Union's personal loan rate? As of November 5, 2026, First Point Credit Union offers personal loans from 8.5% APR. ### Who can join First Point Credit Union? First Point Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare First Point 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.firstpointfcu.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 Point 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 Point Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /first-point " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Point Credit Union locations Search, filter, and browse all 2 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-point Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp