--- title: "Members 1st of NJ Credit Union Rates - New Jersey" description: "Current vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Members 1st of NJ Credit Union in New Jersey. Updated daily with source verification. See who can join Members 1st of NJ Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/members-1st-of-nj" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Members 1st of NJ Credit Union Rates - New Jersey ### Auto & vehicle rates 23 offers | Product | Published | Rate | Term / condition | Status | | **New and Used Vehicle Rates (up to 4 years old) (1-38 months)** auto_any_38mo | — APR | 4.800% | 38 mo · any | Standard | | **New and Used Vehicle Rates (up to 4 years old) (39-50 months)** auto_any_50mo | — APR | 5.050% | 50 mo · any | Standard | | **New and Used Vehicle Rates (up to 4 years old) (51-62 months)** auto_any_62mo | — APR | 5.300% | 62 mo · any | Standard | | **Used Vehicle Rates (Models 2018-2021) (1-38 months)** auto_used_38mo | — APR | 5.450% | 38 mo · used | Standard | | **Used Vehicle Rates (Models 2018-2021) (39-50 months)** auto_used_50mo | — APR | 5.800% | 50 mo · used | Standard | | **63-74 months ($15,000+) New Vehicles Only** auto_new_74mo | — APR | 5.800% | 74 mo · new | Standard | | **New and Used Vehicle Rates (up to 4 years old) (63-74 months ($15,000+) New Vehicles Only)** auto_any_74mo | — APR | 5.800% | 74 mo · any | Standard | | **75-84 Months ($25,000+)** auto_any_84mo | — APR | 6.050% | 84 mo | Standard | | **Used Vehicle Rates (Models 2018-2021) (51-62 months)** auto_used_62mo | — APR | 6.050% | 62 mo · used | Standard | | **New and Used Vehicle Rates (up to 4 years old) (75-84 months ($25,000+))** auto_any_84mo | — APR | 6.050% | 84 mo · any | Standard | | **Up to 144-Month RV Loan (2022–2026)** rv_any_144mo | — APR | 6.500% | 144 mo | Standard | | **Auto Loan (2022–2026)** auto | — APR | 6.500% | — | Standard | | **Up to 144-Month Auto Loan (2022–2026)** auto_any_144mo | — APR | 6.500% | 144 mo | Standard | | **Motorcycle Loan (2022–2026)** motorcycle | — APR | 6.650% | — | Standard | | **Auto Loan (2022–2026)** auto | — APR | 6.650% | — | Standard | | **Auto Loan (2018–2021)** auto | — APR | 7.450% | — | Standard | | **Up to 144-Month RV Loan (2018–2021)** rv_any_144mo | — APR | 7.450% | 144 mo | Standard | | **Up to 144-Month Auto Loan (2018–2021)** auto_any_144mo | — APR | 7.450% | 144 mo | Standard | | **Motorcycle Loan (2018–2021)** motorcycle | — APR | 7.700% | — | Standard | | **Auto Loan (2017)** auto | — APR | 8.000% | — | Standard | | **Used Vehicle Rates (Models Up to 2017) (1-38 Months)** auto_used_38mo | — APR | 8.450% | 38 mo · used | Standard | | **Used Vehicle Rates (Models Up to 2017) (39-50 Months)** auto_used_50mo | — APR | 8.800% | 50 mo · used | Standard | | **Used Vehicle Rates (Models Up to 2017) (51-62 Months)** auto_used_62mo | — APR | 9.050% | 62 mo · used | Standard | Members 1st of NJ Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity (80% LTV, Score 730+)** heloc | — APR | 5.000% | — | Standard | Members 1st of NJ Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loans (1-60 months)** personal_unsecured_60mo | — APR | 9.300% | 60 mo | Standard | | **Personal Loans (Line of Credit - Revolving)** ploc_variable | — APR | 12.250% | — | Standard | Members 1st of NJ Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.500% | — | Standard | Members 1st of NJ Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 26 offers | Product | Published | Rate | Term / condition | Status | | **$300.00 And Over** savings | — APY | 0.01% | — | Standard | | **Checking ($300+)** checking | — APY | 0.01% | — | Standard | | **$99.01 – $1999.00** savings | — APY | 0.05% | — | Standard | | **KOFE, Christmas, & Vacation Clubs** savings | — APY | 0.05% | — | Standard | | **Savings ($99.01–$1,999)** share_savings | — APY | 0.05% | — | Standard | | **$1999.01 And Over** savings | — APY | 0.10% | — | Standard | | **Savings ($1,999.01+)** share_savings | — APY | 0.10% | — | Standard | | **$99.01 – $1,999.00** savings | — APY | 0.35% | — | Standard | | **$1,999.01 – $4,999.00** savings | — APY | 0.45% | — | Standard | | **Money Market ($9,999.01–$24,999)** money_market | — APY | 0.50% | — | Standard | | **$9,999.01 – $24,999.00** savings | — APY | 0.50% | — | Standard | | **$4,999.01 And Over** savings | — APY | 0.55% | — | Standard | | **$24,999.00 +** savings | — APY | 0.75% | — | Standard | | **Money Market ($24,999+)** money_market | — APY | 0.75% | — | Standard | | **24 Months ($1,000.00 min.)** cd_24mo | — APY | 1.99% | 24 mo | Standard | | **Share and IRA CD Rates (36 Months ($1,000.00 min.))** ira_cd_36mo | — APY | 1.99% | 36 mo | Standard | | **Share and IRA CD Rates (24 Months ($1,000.00 min.))** ira_cd_24mo | — APY | 1.99% | 24 mo | Standard | | **Share and IRA CD Rates (18 Months ($1,000.00 min.))** ira_cd_18mo | — APY | 1.99% | 18 mo | Standard | | **Share and IRA CD Rates (12 Months ($1,000.00 min.))** ira_cd_12mo | — APY | 1.99% | 12 mo | Standard | | **12 Months ($1,000.00 min.)** cd_12mo | — APY | 1.99% | 12 mo | Standard | | **18 Months ($1,000.00 min.)** cd_18mo | — APY | 1.99% | 18 mo | Standard | | **36 Months ($1,000.00 min.)** cd_36mo | — APY | 1.99% | 36 mo | Standard | | **Share and IRA CD Rates (60 Months ($1,000.00 min.))** ira_cd_60mo | — APY | 3.25% | 60 mo | Standard | | **60 Months ($1,000.00 min.)** cd_60mo | — APY | 3.25% | 60 mo | Standard | | **6 Months ($500 min.)** cd_6mo | — APY | 3.25% | 6 mo | Standard | | **Share and IRA CD Rates (6 Months ($500 min.))** ira_cd_6mo | — APY | 3.25% | 6 mo | Standard | Members 1st of NJ Credit Union savings & cd rates as of November 12, 2026 Members 1st of NJ Credit Union is a credit union in New Jersey. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/members-1st-of-nj) , verified from [Members 1st of NJ Credit Union's official website](https://www.membersonenj.org/) Loading branch locator… ## About Members 1st of NJ Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 13K Assets $133.3M Founded 1938 Locations reported 4 NCUA charter 2574 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 - Payday Alternative Loans I - Payday Alternative Loans II 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. [**First Harvest** Vineland · Vineland · NJ · 08360 About 0.9 miles away](https://rateapi.dev/credit-unions/new-jersey/first-harvest) [**Bay Atlantic** Members 1st of NJ Federal Credit Union · Vineland · NJ · 08360 About 1.9 miles away](https://rateapi.dev/credit-unions/new-jersey/bay-atlantic) [**Bridgeton Onized** Bridgeton Office · Bridgeton · NJ · 08302 About 12.2 miles away](https://rateapi.dev/credit-unions/new-jersey/bridgeton-onized) [**Jersey Shore** Hammonton · Hammonton · NJ · 08037 About 15.7 miles away](https://rateapi.dev/credit-unions/new-jersey/jersey-shore) [**Edifi** Glassboro · Glassboro · NJ · 08028-1438 About 17.1 miles away](https://rateapi.dev/credit-unions/new-jersey/edifi) [**Atlantic City Electric Co Emp** Mays Landing · Mays Landing · NJ · 08330-2260 About 17.2 miles away](https://rateapi.dev/credit-unions/new-jersey/atlantic-city-electric-co-emp) 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 Members 1st of NJ Credit Union Membership eligibility from Members 1st of NJ Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Members 1st of NJ Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Members 1st of NJ Credit Union's membership page](https://www.membersonenj.org/about-us/join-members-1st/) . Final membership determination is always made by the credit union. ## Membership rules for Members 1st of NJ Credit Union Family 1 published path to membership, last verified August 22, 2026, quoted from Members 1st of NJ Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member immediate family member “or are an immediate family member of a group employee, you can become a credit union member.” > [source ↗](https://www.membersonenj.org/about-us/join-members-1st/) - Family member (immediate family member) 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 Members 1st of NJ Credit Union? Yes No ## Work at Members 1st of NJ 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 Members 1st of NJ Credit Union ranks against New Jersey peers. - See which AI assistants fetched Members 1st of NJ 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=members-1st-of-nj&state=new-jersey&code=NJ&name=Members%201st%20of%20NJ%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Members 1st of NJ Credit Union offer? Members 1st of NJ 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 Members 1st of NJ Credit Union rates updated? RateAPI verifies Members 1st of NJ 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 Members 1st of NJ Credit Union's rate data? Rate data is collected directly from Members 1st of NJ 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 Members 1st of NJ Credit Union? Members 1st of NJ Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for Members 1st of NJ Credit Union, each quoted from Members 1st of NJ Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Members 1st of NJ 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.membersonenj.org/) ### 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 Members 1st of NJ 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 Members 1st of NJ Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /members-1st-of-nj " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Members 1st of NJ 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/members-1st-of-nj Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp