New Jersey credit union with auto loans up to 96 months and posted rates that include a 0.25% autopay discount.
Who can join: Through partner associations or clubs, more than 2,000 employer groups, eligible communities, family of members, or a one-time $5 donation to the Affinity Foundation.
This is the lowest APR Affinity Federal Credit Union advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.
Pick a repayment term of up to 96 months. A longer term lowers the monthly payment but increases the total interest you pay.
Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.
Our 4.4/5 rating for Affinity Federal Credit Union is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:
Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.
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