How would you like to get approved for an auto loan at 4.75% APR?  If you’re a member of Merck Employees Federal Credit Union, it may well be possible.  Currently they are offering 36-month NJ auto loans for new cars.  Of course you have to be a member first (they have locations in Rahway and Somerset, New Jersey) and pay $5 to apply, and you may need a credit score above 720 to qualify. 

Merck Employees FCU was originally established in 1936; today, they have more than $1 billion in assets, so you know your car will be financed by a strong, stable institution.  Thanks to Go Banking Rates for bringing us this great deal.