Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in New Jersey
Daily average across every credit union lending in NJ, past 90 days. Dashed line is the national FRED benchmark, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in New Jersey
Credit unions lending in New Jersey
Membership is available to employees of Verizon, AT&T, Extel Communications, and Englewood Hospital nurses. It is also open to police officers, firefighters, members of American Legion Post 170, and their immediate families.
Membership is open to employees of the Hoboken Board of Education and the Hoboken Parking Authority, as well as members of the Hoboken Elks Lodge #74. Family members of these groups are also eligible to join.
Seaport Federal Credit Union is available to members of the International Longshoremen’s Association, employees of APM, Maher, or Global Container Terminals, and members of New Jersey Financial Services. Immediate family members of current credit union members are also eligible to join.
Membership at First Financial of Maryland Federal Credit Union is open to employees (current, temporary, or retired) from their SEGs, students from Baltimore County Public Schools (BCPS), Carroll County Public Schools (CCPS), private schools, or college SEGs, and volunteers from their hospital or school groups. Immediate family members of eligible or current members are also eligible for membershi
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Anyone who lives, works, worships, or attends school in Morris, Somerset, Union, or Essex counties in New Jersey is eligible to join, as are their family members.
Membership eligibility for COMMONWEALTH ONE includes individuals who live, work, worship, go to school, or volunteer in specific areas: the City of Alexandria, VA (specific areas), Washington, D.C., City of Harrisonburg, VA, Warren County, VA, and Clarke County, VA. Membership is also open to employees of over 200 Sponsor Groups. Family members of current members, including spouses, children, sibl
Membership is open to employees and members of a wide list of partner companies and organizations — including numerous federal agencies (US Dept. of Education, Energy, Justice, Homeland Security, FEMA, etc.), Jersey City municipal authorities, Iron Workers Locals 40/361/417, Port Authority of NY & NJ, and many auto/motorcycle clubs and local employers — plus their immediate family members.
GTE Financial is open to everyone in the United States through a one-time $10 membership to the CU Savers educational club. You can also join if you live, work, or attend school in select Tampa-area zip codes, or if you are associated with a Community Partner employer.
Anyone can join NOVA UA Federal Credit Union by becoming a member of the Passaic County Historical Society or the Self Reliance Association of American Ukrainians. Membership is also available to those who live, work, worship, or attend school in Passaic County, New Jersey, and their immediate family members.
See which of these credit unions you can join
Enter your ZIP to filter this list to only the credit unions that serve your address — no email required.
Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in New Jerseystarting around 11 a.m. Central.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
How do credit union mortgage rates in New Jersey compare to bank rates?
We don't publish bank rates, so the fairest comparison available is the national average across all lenders. Freddie Mac's weekly PMMS average puts the 30-year fixed rate at 7.24% as of October 29, 2026.
Of the 68 credit unions listed here lending in New Jersey with a 30-year fixed mortgage, 24 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 24, the median rate is 7.125% and the lowest is 6.375%, at FIRST FINANCIAL OF MARYLAND. 17 of the 24 are below the national average.
We narrow the set because a rate bought down with points is not comparable to one without points.
One caveat in our favour and one against. Freddie Mac's average includes credit unions alongside banks, so it is a blended figure — if credit union rates sit below the blend, they sit further below a bank-only average. Against: since November 17, 2022, PMMS has used actual mortgage loan applications rather than a lender survey. Our figures are advertised rates, typically a lender's best tier, not application rates. Freddie Mac also stopped publishing average points then, so we can't confirm its point structure, while every rate in our comparison set is a zero-point rate. Freddie Mac's methodology.
More on reading these numbers: APR vs. interest rate vs. points and how we collect rates.
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