NJ · Rate Scorecard · 2026-08-01 · Prepared by RateAPI
First Atlantic Credit Union
First Atlantic Credit Union ranks top 3 in NJ on 2 products — and trails badly on 1.
Best position
#3 of 35
HELOC (best offer)
Top-3 rankings
2
out of 4 products tracked
Products tracked
4
ranked against every NJ CU we cover
30-Year Fixed Mortgage (purchase)
#13 of 14
6.72%
their rate
+147 bp
H. E. Telephone Credit Union
HELOC (best offer)
#3 of 35
4.74%
their rate
+75 bp
Proponent Credit Union
Personal Loan (unsecured, best offer)
#12 of 57
7.99%
their rate
+324 bp
Financial Resources Credit Union
12-Month CD (best APY)
#3 of 17
3.85%
their rate
+15 bp
Merck Employees Credit Union
MethodologyBest published servable rate per product, APR-based, standard rates only (promotional/intro teasers excluded), cars-only for auto, purchase mortgages only; ranked against every NJ credit union we track with a current rate (re-verified within 14 days). Source: RateAPI — live, page-verified rates from 3,700+ US credit unions across 11 lending products and deposits. · rateapi.dev · about this scorecard
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