--- title: "Nova Ua Credit Union: #1 Mortgage in New Jersey" description: "Nova Ua Credit Union has the lowest tracked 30-year fixed mortgage rate in New Jersey (6.13% APR) among 8 credit unions we verify. Nova Ua Credit Union rates today: 30 year fixed mortgage 6.13% APR, HELOC from 6.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Nova Ua Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/nova-ua" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Nova Ua Credit Union: #1 Mortgage in New Jersey ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.125% APR | 6.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 5.750% APR | 5.750% | — | Standard | Nova Ua Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **24-Month Auto Loan (2021–2026)** auto_any_24mo | — APR | 4.750% | 24 mo | Standard | | **36-Month Auto Loan (2021–2026)** auto_any_36mo | — APR | 4.750% | 36 mo | Standard | | **48-Month Auto Loan (2023–2026)** auto_any_48mo | — APR | 5.000% | 48 mo | Standard | | **60-Month Auto Loan (2023–2026)** auto_any_60mo | — APR | 5.000% | 60 mo | Standard | Nova Ua Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 8 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | 6.000% APR | 6.000% | — | Standard | | **HELOC** heloc | 6.000% APR | 6.000% | — | Standard | | **Home Equity Line-of-Credit - 0 Points** heloc | — APR | 6.000% | — | Standard | | **5-Year Fixed Home Equity – 0 Points** heloc_fixed | — APR | 6.000% | — | Standard | | **7-Year Fixed Home Equity – 0 Points** heloc_fixed | — APR | 6.250% | — | Standard | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | 6.250% APR | 6.250% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | 6.500% APR | 6.500% | — | Standard | | **10-Year Fixed Home Equity – 0 Points** heloc_fixed | — APR | 6.500% | — | Standard | Nova Ua Credit Union heloc rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card / Visa Line-of-Credit** credit_card | 9.900% APR | 9.900% | — | Standard | Nova Ua Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **24-Month Certificate** cd_24mo | — APY | 3.75% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.75% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.50% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.50% | 48 mo | Standard | Nova Ua Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Nova Ua Credit Union offers a 30-year fixed mortgage at 6.125% APR. HELOC rates from 6% APR. Credit card rates from 9.9% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/nova-ua) , verified from [Nova Ua Credit Union's official website](https://www.novafcu.com/) Best product position **#1 of 8** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **85 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked New Jersey markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.13% | #1 of 8 · lowest in New Jersey | State market leader | 85 bp better than median | | HELOC | 6.00% | #1 of 23 · lowest in New Jersey | State market leader | 49 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Nova Ua 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=nova-ua&state=new-jersey&code=NJ&name=Nova%20Ua%20Credit%20Union) Loading branch locator… ## About Nova Ua Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.7K Assets $155.2M Founded 1960 Locations reported 2 NCUA charter 13439 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 - Bilingual services 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. [**Affinity** Quest Diagnostics · Clifton · NJ · 07012 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-jersey/affinity) [**Proponent** Kingsland Member Service Center · Nutley · NJ · 07110 About 1.0 miles away](https://rateapi.dev/credit-unions/new-jersey/proponent) [**Polish & Slavic** Clifton Branch · Clifton · NJ · 07013 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/polish-slavic) [**Xcel** XCEL Federal Credit Union · Bloomfield · NJ · 07003 About 1.4 miles away](https://rateapi.dev/credit-unions/new-jersey/xcel) [**East Orange Firemens** EOFFCU · Bloomfield · NJ · 07003 About 4.1 miles away](https://rateapi.dev/credit-unions/new-jersey/east-orange-firemens) [**North Jersey** Elmwood Park · Elmwood Park · NJ · 07407 About 4.5 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 Nova Ua Credit Union Membership eligibility from Nova Ua Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Nova Ua Credit Union's website. Check the membership page below to confirm whether you qualify. - Location passaic — NJ Verified from [Nova Ua Credit Union's membership page](https://www.novafcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Nova Ua Credit Union Geography 1 county · Family 2 3 published paths to membership, last verified August 27, 2026, quoted from Nova Ua Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Passaic County, NJ “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Passaic 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 “Almost everyone - through community affiliation, by joining the association, or through a family connection.” > [source ↗](https://www.novafcu.com/) - Family member of a member - Family of a member family “Almost everyone - through community affiliation, by joining the association, or through a family connection.” > [source ↗](https://www.novafcu.com/) - Family member (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 Nova Ua Credit Union? Yes No ## Work at Nova Ua 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 Nova Ua Credit Union ranks against New Jersey peers. - See which AI assistants fetched Nova Ua 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=nova-ua&state=new-jersey&code=NJ&name=Nova%20Ua%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Nova Ua Credit Union offer? Nova Ua Credit Union currently offers mortgage, Auto loan, HELOC, 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 Nova Ua Credit Union rates updated? RateAPI verifies Nova Ua 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 Nova Ua Credit Union's rate data? Rate data is collected directly from Nova Ua 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 Nova Ua Credit Union's mortgage rate? As of November 12, 2026, Nova Ua Credit Union offers a 30-year fixed mortgage at 6.125% APR. ### What is Nova Ua Credit Union's HELOC rate? As of November 12, 2026, Nova Ua Credit Union offers home equity lines of credit from 6% APR. ### Who can join Nova Ua Credit Union? Nova Ua Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 county for Nova Ua Credit Union, each quoted from Nova Ua Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Nova Ua Credit Union's rates against national credit-union benchmarks. [More New Jersey credit unions](https://rateapi.dev/credit-unions/new-jersey) [New Jersey mortgage rate leaders](https://rateapi.dev/mortgage-rates/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) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.novafcu.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 Nova Ua 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 Nova Ua Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /nova-ua " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Nova Ua 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/nova-ua Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp