First Atlantic Credit Union
Verified rate book
Current First Atlantic Credit Union rates
18 published offers verified as of August 4, 2026.
Awaiting fresh data: mortgage rates appeared in the latest dated market snapshot, but those rows are outside the current serving window. We do not present stale figures as current rates.
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loan / Lease Buyoutauto | 4.490% APR | 4.490% | — | Standard |
| Motorcycle Loan Rates (NEW & USED MOTORCYCLE)motorcycle_any_48mo | 10.000% APR | 10.000% | 48 mo · any | Standard |
| Motorcycle Loan Rates (NEW & USED MOTORCYCLE)motorcycle_any_60mo | 10.500% APR | 10.500% | 60 mo · any | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 4.740% APR | 4.740% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Secured Personal Loanpersonal_secured | 5.650% APR | 5.650% | — | Standard |
Credit card rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Platinum Credit Cardcredit_card_platinum | 11.450% APR | 11.450% | — | Standard |
| Business Credit Cardcredit_card_business | 12.500% APR | 12.500% | — | Standard |
| Visa® SIGNATURE REWARDScredit_card_rewards | 13.450% APR | 13.450% | — | Standard |
| Visa® BUSINESS REWARDScredit_card_business | 14.500% APR | 14.500% | — | Standard |
| Secured Credit Cardcredit_card_secured | 17.990% APR | 17.990% | — | Standard |
Savings & CD rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Savings Account Rates (Club Savings 1)savings | 0.05% APY | 0.05% | — | Specialty offer |
| Savings Account Rates (IRA Savings 3)ira | 0.15% APY | 0.15% | — | Standard |
| Savings Account Rates (Member Savings)savings | 0.15% APY | 0.15% | — | Standard |
| Savings Account Rates (IRA Savings (Promo Q422) 4)ira | 2.23% APY | 2.23% | — | Standard |
| Certificatecd | 3.45% APY | 3.45% | — | Standard |
| Money Marketmoney_market | 3.75% APY | 3.75% | — | Standard |
| Savings Account Rates (Head Start Youth Savings 2)savings | 3.93% APY | 3.93% | — | Eligibility restricted |
| Certificatecd | 4.00% APY | 4.00% | — | Standard |
Vehicle loans available from 4.49% APR. HELOC rates from 4.74% APR. Personal loan rates from 5.65% APR. Credit card rates from 11.45% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from First Atlantic Credit Union's official website
Latest available market position · Snapshot August 1, 2026
First Atlantic Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other NJ credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| 30-Year Fixed Mortgage (purchase) | 6.72% APR | #13 of 14 · top 93% | 5.25% | 6.41% | 31 bp behind state median |
| HELOC (best offer) | 4.74% APR | #3 of 35 · top 9% | 3.99% | 5.99% | 125 bp better than state median |
| Personal Loan (unsecured, best offer) | 7.99% APR | #12 of 57 · top 22% | 4.75% | 9.49% | 150 bp better than state median |
| 12-Month CD (best APY) | 3.85% APY | #3 of 17 · top 18% | 4.00% | 3.00% | 85 bp better than state median |
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About First Atlantic Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 20K
- Assets
- $331.8M
- Founded
- 1935
- Locations reported
- 4
- NCUA charter
- 82
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join First Atlantic Credit Union
Membership eligibility from First Atlantic Credit Union's own published criteria. How we verify this.
Community charter: live/work in Monmouth, Ocean, Middlesex
- LocationMonmouth, Ocean, Middlesex
Verified from First Atlantic Credit Union's membership page. Final membership determination is always made by the credit union.
Work at First Atlantic Credit Union?
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Frequently Asked Questions
What rates does First Atlantic Credit Union offer?
First Atlantic Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are First Atlantic Credit Union rates updated?
RateAPI verifies First Atlantic Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get First Atlantic Credit Union's rate data?
Rate data is collected directly from First Atlantic Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are First Atlantic Credit Union's auto & motorcycle loan rates?
As of August 4, 2026, First Atlantic Credit Union offers vehicle loans from 4.49% APR.
What is First Atlantic Credit Union's HELOC rate?
As of August 4, 2026, First Atlantic Credit Union offers home equity lines of credit from 4.74% APR.
What is First Atlantic Credit Union's personal loan rate?
As of August 4, 2026, First Atlantic Credit Union offers personal loans from 5.65% APR.
What is First Atlantic Credit Union's best CD rate?
As of August 4, 2026, First Atlantic Credit Union offers savings and certificate (CD) yields up to 4.00% APY.
Related Rate Data
Compare First Atlantic Credit Union'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.
View Original SourceMethodology
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View MethodologyTrack First Atlantic Credit Union rates
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# Get rates for First Atlantic Credit Union
curl "https://api.rateapi.dev/credit-unions/new-jersey/first-atlantic" \
-H "Authorization: Bearer YOUR_API_KEY"