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.
30 Year Fixed rates in New Jersey
Credit unions lending in New Jersey
Anyone can join Sun East by becoming a member of the Sun East Foundation at no cost, as the credit union pays the donation on your behalf. Individuals who live, work, or worship in several specific cities across PA and DE, or employees of partner companies, are also eligible.
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
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
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.
Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.
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 associates of Select Employer Groups (SEGs) near Nutley, NJ, and Burlington, NC. Immediate family members and individuals living in the same household as a member are also eligible to join.
MIT Federal Credit Union is open to the MIT community, including students, employees, and alumni, as well as several partner organizations like Draper and Lincoln Labs. Anyone else in the U.S. can also qualify for membership by joining the American Consumer Council during the application process.
Selfreliance Federal Credit Union is open to anyone nationwide who joins one of several Selfreliance Associations of American-Ukrainians for a one-time $5 fee. It specifically serves the Ukrainian-American community and those living near its branches in Illinois, New Jersey, Michigan, Connecticut, and more.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in New Jersey every morning.
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.
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