Auto Loans · Hamilton, New Jersey
3 credit unions in Hamilton report car loan rates to the NCUA. Rates range from 4.19% to 6.59%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.19%
Lowest New Car Rate
5.75%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CENTRAL JERSEY POLICE & FIRE ★ 5.0 · 5 reviews | 4.19% | 5.59% |
| 2 | FIRST POINT ★ 5.0 · 2 reviews | 6.48% | 6.63% |
| 3 | HAMILTON HORIZONS ★ 4.0 · 25 reviews | 6.59% | 8.27% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CENTRAL JERSEY POLICE & FIRE ★ 5.0 · 5 reviews | 5.59% | 4.19% |
| 2 | FIRST POINT ★ 5.0 · 2 reviews | 6.63% | 6.48% |
| 3 | HAMILTON HORIZONS ★ 4.0 · 25 reviews | 8.27% | 6.59% |
A pre-approval from a Hamilton credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Hamilton in the same window and take the best offer.
See member reviews, branch locations, and full rate details.