Personal Loans · Jersey City, New Jersey
6 credit unions in Jersey City report personal loan rates to the NCUA. Rates range from 10.00% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
10.00%
Lowest Rate
13.84%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | GOYA FOODS EMPLOYEES ★ 4.3 · 193 reviews | 10.00% | — |
| 2 | JERSEY CITY POLICE ★ 5.0 · 4 reviews | 11.01% | — |
| 3 | LIBERTY SAVINGS ★ 3.1 · 142 reviews | 11.01% | 17.65% |
| 4 | JERSEY CITY FIREMEN ★ 4.0 · 4 reviews | 15.00% | — |
| 5 | OCNAC #1 ★ 4.8 · 24 reviews | 18.00% | — |
| 6 | PATH ★ 4.6 · 5 reviews | 18.00% | — |
If you have high-rate credit card balances, a personal loan from a Jersey City credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.