Southern Middlesex Co Tchrs

east brunswick, New Jersey
Last verified: July 9, 2026

As of July 9, 2026, Southern Middlesex Co Tchrs offers a money_market mortgage at 1.74% APR (1.74% rate, 0 points). Auto loans available from 5.95% APR. HELOC rates from 5.95% APR. Personal loan rates from 2% APR.

Source: RateAPI.dev, verified from Southern Middlesex Co Tchrs's official website

Mortgage Rates

Rates as of July 9, 2026

money_market
1.740% APR
Rate1.740%
Points0
Money Market Accounts TIER 1
money_market
1.980% APR
Rate1.980%
Points0
Money Market Accounts TIER 2
money_market
2.230% APR
Rate2.230%
Points0
Money Market Accounts TIER 3
cd_6mo
3.740% APR
Rate3.740%
Points0
6 month CD
cd_12mo
3.930% APR
Rate3.930%
Points0
1 year CD
cd_18mo
3.930% APR
Rate3.930%
Points0
18 month CD
cd_24mo
4.070% APR
Rate4.070%
Points0
2 year CD
cd_36mo
4.070% APR
Rate4.070%
Points0
3 year CD
cd_48mo
4.120% APR
Rate4.120%
Points0
4 year CD
cd_60mo
4.170% APR
Rate4.170%
Points0
5 year CD
savings
5.000% APR
Rate5.000%
Points0
Club Accounts
share_savings
5.000% APR
Rate5.000%
Points0
Share Accounts
ploc_variable
6.500% APR
Rate6.500%
Points0
Variable Rate Line of Credit (5 Year Draw Period)

Auto Loan Rates

Rates as of July 9, 2026

auto_new
5.950% APR
Rate5.950%
NEW CAR LOAN 2026
auto_new
5.950% APR
Rate5.950%
New Car
auto_used
6.950% APR
Rate6.950%
USED CAR LOAN 2025, 2024, 2023, 2022
auto_used
6.950% APR
Rate6.950%
Used Car:2025,2024,2023,2022
auto_used
7.950% APR
Rate7.950%
USED CAR LOAN 2021, 2020, 2019, 2018
auto_used
7.950% APR
Rate7.950%
Used Car 2021,2020,2019,2018

HELOC Rates

Rates as of July 9, 2026

heloc_fixed
5.950% APR
Rate5.950%
HOME EQUITY LOANS 5 YEARS
heloc_fixed
5.950% APR
Rate5.950%
Home Equity Loans Fixed Rate 5 Years
heloc_fixed
6.450% APR
Rate6.450%
Home Equity Loans Fixed Rate 10 Years
heloc_fixed
6.950% APR
Rate6.950%
HOME EQUITY LOANS 10 YEARS
heloc_fixed
6.950% APR
Rate6.950%
HOME EQUITY LOANS 15 YEARS
heloc_fixed
6.950% APR
Rate6.950%
Home Equity Loans Fixed Rate 15 Years

Personal Loan Rates

Rates as of July 9, 2026

personal_secured
2.000% APR
Rate2.000%
Share Secured
personal_unsecured
9.950% APR
Rate9.950%
Unsecured Loans (Signature) – Personal Loans 2 or more years in the District
personal_unsecured
9.950% APR
Rate9.950%
Unsecured Loans (Signature) – Personal Loans First Year in the District

Frequently Asked Questions

What rates does Southern Middlesex Co Tchrs offer?

Southern Middlesex Co Tchrs currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are Southern Middlesex Co Tchrs rates updated?

RateAPI verifies Southern Middlesex Co Tchrs's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get Southern Middlesex Co Tchrs's rate data?

Rate data is collected directly from Southern Middlesex Co Tchrs's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Southern Middlesex Co Tchrs's mortgage rate?

As of July 9, 2026, Southern Middlesex Co Tchrs offers a money_market mortgage at 1.74% APR.

What is Southern Middlesex Co Tchrs's auto loan rate?

As of July 9, 2026, Southern Middlesex Co Tchrs offers auto loans from 5.95% APR.

Related Rate Data

Compare Southern Middlesex Co Tchrs's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Southern Middlesex Co Tchrs
curl "https://api.rateapi.dev/credit-unions/new-jersey/southern-middlesex-co-tchrs" \
  -H "Authorization: Bearer YOUR_API_KEY"