NJ · Rate Scorecard · 2026-08-01 · Prepared by RateAPI
Proponent Credit Union
Proponent Credit Union is a rate leader in NJ — and almost nobody can see it.
Market leader
#1 of 35
HELOC (best offer)
Top-3 rankings
2
out of 6 products tracked
Products tracked
6
ranked against every NJ CU we cover
30-Year Fixed Mortgage (purchase)
#3 of 14
6.13%
their rate
+88 bp
H. E. Telephone Credit Union
New Auto Loan (best offer, cars)
#7 of 37
3.99%
their rate
+50 bp
Wakefern Credit Union
Used Auto Loan (best offer, cars)
#5 of 35
4.49%
their rate
+50 bp
Union Building Trades Credit Union
HELOC (best offer)
#1 of 35
3.99%
their rate
leader
they set the pace
Personal Loan (unsecured, best offer)
#6 of 57
6.25%
their rate
+150 bp
Financial Resources Credit Union
12-Month CD (best APY)
#11 of 17
2.90%
their rate
+110 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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