--- title: "Rutgers Credit Union Rates - New Jersey" description: "Current auto loan, and savings & cd rates from Rutgers Credit Union in New Jersey. Updated daily with source verification. See who can join Rutgers Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/rutgers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Rutgers Credit Union Rates - New Jersey ### Auto & vehicle rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Rutgers Federal Credit Union Loan Rates (24 Months)** auto_any_24mo | — APR | 5.000% | 24 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (36 Months)** auto_any_36mo | — APR | 5.250% | 36 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (48 Months)** auto_any_48mo | — APR | 5.500% | 48 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (60 Months)** auto_any_60mo | — APR | 6.000% | 60 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (84 Months***)** auto_any_84mo | — APR | 6.250% | 84 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (120 Months)** auto_any_120mo | — APR | 6.250% | 120 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (72 Months**)** auto_any_72mo | — APR | 6.250% | 72 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (180 Months)** auto_any_180mo | — APR | 6.750% | 180 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (72 months)** auto_any_72mo | — APR | 8.750% | 72 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (Up to 60 Months)** auto_any_60mo | — APR | 8.990% | 60 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (84 months)** auto_any_84mo | — APR | 9.000% | 84 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (120 months)** auto_any_120mo | — APR | 9.990% | 120 mo | Standard | | **Rutgers Federal Credit Union Loan Rates (Open)** auto | — APR | 11.900% | — | Standard | Rutgers Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **6-Month Certificate** share_certificate_6mo | — APY | 0.75% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 1.00% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 1.25% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 1.50% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 1.75% | 60 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 1.75% | 48 mo | Standard | Rutgers Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Rutgers Federal Credit Union Loan Rates (Up to 60 Months)** other | — % | 9.750% | — | Standard | | **Rutgers Federal Credit Union Loan Rates (Up to 36 Months)** other | — % | 9.950% | — | Standard | | **Rutgers Federal Credit Union Loan Rates (60 Months)** other | — % | 10.000% | — | Standard | Rutgers Credit Union other rates as of November 12, 2026 Rutgers Credit Union is a credit union in New Jersey. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/rutgers) , verified from [Rutgers Credit Union's official website](https://www.rutgersfcu.org/home/home) Loading branch locator… ## About Rutgers Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.5K Assets $81.4M Founded 1954 Locations reported 2 NCUA charter 9237 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - 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. [**Financial Resources** Financial Resources FCU - c/o J&J Corporate · New Brunswick · NJ · 08901 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-jersey/financial-resources) [**B-M S** New Brunswick · New Brunswick · NJ · 08901-1588 About 0.5 miles away](https://rateapi.dev/credit-unions/new-jersey/b-m-s) [**Affinity** New Brunswick Branch · New Brunswick · NJ · 08901-2011 About 0.7 miles away](https://rateapi.dev/credit-unions/new-jersey/affinity) [**Motion** Jersey Ave · North Brunswick · NJ · 08902 About 2.6 miles away](https://rateapi.dev/credit-unions/new-jersey/motion) [**New Brunswick Postal** New Brunswick Postal FCU · Edison · NJ · 08817 About 2.7 miles away](https://rateapi.dev/credit-unions/new-jersey/new-brunswick-postal) [**Hamilton Horizons** Iron Mountain · East Brunswick · NJ · 08816 About 3.0 miles away](https://rateapi.dev/credit-unions/new-jersey/hamilton-horizons) 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 Rutgers Credit Union Membership eligibility from Rutgers Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Rutgers Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Rutgers University, Rutgers University Foundation - Association Rutgers Council of AAUP Chapter - School Rutgers, the State University of New Jersey Verified from [Rutgers Credit Union's membership page](https://www.rutgersfcu.org/home/about-us/membership-eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Rutgers Credit Union Employers 4 · Associations · Schools · Family 2 8 published paths to membership, last verified August 21, 2026, quoted from Rutgers Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Rutgers University “Employees of Rutgers University” > [source ↗](https://www.rutgersfcu.org/home/about-us/membership-eligibility) - Employee of Rutgers University - Employee of Rutgers University Foundation “Rutgers University Foundation” > [source ↗](https://www.rutgersfcu.org/home/about-us/membership-eligibility) - Employee of Rutgers University Foundation - Employee of Rutgers Federal Credit Union “Employees of this credit union” > [source ↗](https://www.rutgersfcu.org/home/about-us/membership-eligibility) - Employee of Rutgers Federal Credit Union - Retired employee of Rutgers University “Retired pensioners and annuitants” > [source ↗](https://www.rutgersfcu.org/home/about-us/membership-eligibility) - Retiree of Rutgers University ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Rutgers Council of AAUP Chapter “Rutgers Council of AAUP Chapter” > [source ↗](https://www.rutgersfcu.org/home/about-us/membership-eligibility) - Member of Rutgers Council of AAUP Chapter ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Rutgers, the State University of New Jersey “Students attending Rutgers, the State University of New Jersey, headquartered in New Brunswick, NJ., and limited to those living in New Jersey” > [source ↗](https://www.rutgersfcu.org/home/about-us/membership-eligibility) - Student at Rutgers, the State University of New Jersey ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family, household member “Credit union member’s immediate family or household” > [source ↗](https://www.rutgersfcu.org/home/about-us/membership-eligibility) - Family member (immediate family, household member) of a member - Family of a member spouse “Spouses of persons who died while within the field of membership of RFCU” > [source ↗](https://www.rutgersfcu.org/home/about-us/membership-eligibility) - Family member (spouse) 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 Rutgers Credit Union? Yes No ## Work at Rutgers 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 Rutgers Credit Union ranks against New Jersey peers. - See which AI assistants fetched Rutgers 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=rutgers&state=new-jersey&code=NJ&name=Rutgers%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Rutgers Credit Union offer? Rutgers Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Rutgers Credit Union rates updated? RateAPI verifies Rutgers 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 Rutgers Credit Union's rate data? Rate data is collected directly from Rutgers 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 Rutgers Credit Union? Rutgers Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 4 employers, 1 association and 1 school for Rutgers Credit Union, each quoted from Rutgers Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Rutgers 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) [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.rutgersfcu.org/home/home) ### 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 Rutgers 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 Rutgers Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /rutgers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Rutgers 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/rutgers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp