Explore our products & services
Flat Fee Mortgage Program
Enjoy the predictability of a flat fee of just $999, covering essential services like application fees, credit reports, flood certification, and more!
CarMatch
Let PFCU help you get behind the wheel of your dream car. Our user-friendly car shopping site is designed to simplify your car buying experience. Search and compare new and pre-owned vehicles, calculate your monthly loan payment, locate a dealership, and more!
Share Certificates
Take advantage of our attractive rates on Share Certificates to help you maximize your savings. Enjoy the security of a fixed rate and the flexibility of various term options.
Free webinar
Join us on April 9th at 6PM for our free webinar! An experienced Picatinny Mortgage Loan Originator will lead this one hour webinar to review and discuss pre-approval steps for members looking to buy a new home.
Home Equity Loans
Borrow up to 100%* of your home’s equity with fixed home equity loans or draw down on your loan for up to 15 years with a HELOC.
Home Buying Event
Join us on Saturday, April 5th for an informative Home Buying Event at our Rockaway branch. Whether you’re just starting your home search or ready to make the jump, this event is designed to equip you with essential knowledge and resources needed for a successful home purchase.
Our rates
As a member-owned credit union, Picatinny Federal Credit Union can offer lower rates than big banks.
Home Equity
as low as*
6.75
% APR
New Auto
as low as*
5.24
% APR
Used Auto
as low as*
5.99
% APR
Mortgages
as low as*
5.978
% APR
Credit Cards
as low as*
15.99
% APR
We understand that each of our members has their own, unique personal financial situation. That’s why we offer a wide range of payment options to help you achieve your goals.
Become a member
Picatinny Federal Credit Union is a not-for-profit, full-service financial institution open to anyone who lives, works, worships or attends school in Morris, Essex, Somerset and Union counties.
We proudly offer a personalized customer experience along with all the benefits of a big bank — without the bureaucracy or hidden fees. As a member-owned institution, our profits are passed along to our members and reinvested in our community.
We support our members like family and help them navigate financial needs through all stages of life.
With convenient branch and ATM locations, we fit your life!
You’re eligible to join if you or a family member…
live
work
worship
school
in the Morris, Essex, Somerset and Union counties
Community connections
As a credit union, we’re dedicated to helping our members and community thrive – a commitment we’ve held for 85+ years.
Resources
We have a library of resources to guide your journey.
April is #FinancialLiteracyMonth, and we are committed to raising awareness about the importance of financial literacy! Throughout April, we will share valuable tips and strategies designed to help you make informed financial decisions, build healthy spending habits, and plan for the future. Whether you're looking to create a budget or saving for an important milestone, join us in this journey towards financial empowerment! ... See MoreSee Less
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Join us on Saturday, April 5th for an informative Home Buying Event at our Rockaway branch. Whether you are a first-time homebuyer or seeking to upgrade your current residence, this event is designed to equip you with essential knowledge and resources. We look forward to seeing you there - click the link to register today! docs.google.com/forms/d/e/1FAIpQLSeCB9rHsc3PR2CG30yI-6QGJLBQJPRC0Uuz-p-D9GrcCLdaNQ/viewform ... See MoreSee Less
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Our Share Certificates are an excellent option for growing your savings this spring! We offer competitive rates and terms tailored to fit your goals, along with guaranteed interest. You can start achieving your savings objectives with just a minimum deposit of $500! Click the link to open an account today: ... See MoreSee Less
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MeridianLink Portal
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In an effort to keep your personal information confidential, we will not be storing any information entered into any of the above applications after the application has been inactive for more than 15 ...0 CommentsComment on Facebook
Did you know you can earn $1,900* in Cash Rewards when you use PFCU's HomeAdvantage® program? Our program provides members with online tools to search for homes, research neighborhoods, find expert real estate agents and more! Click the link to learn more: picacreditunion.myhomeadvantage.com/ ... See MoreSee Less
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We designed our Home Equity Line of Credit to help you unlock your home's equity! Whether you want to consolidate debt, pay for college tuition, or remodel your kitchen, our HELOC can assist you in achieving your goals. Click the link to get started today! ... See MoreSee Less
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MeridianLink Portal
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We have encountered an error attempting to initialize payment processing. Your application has been successfully submitted. A representative will reach out to you to complete the funding of your accou...1 CommentComment on Facebook
WHY IS IT IMPOSSIBLE TO GET A LIVE HUMAN ON THE PHONE ANYMORE WHEN I DIAL 973-361-5225 !!!!!!!!!!!!!!!!!!!!!!!!!! VERY VERY AGGRAVATING. TERRIBLE SERVICE! I AM NOT LOCAL TO ANY BRANCH. I HAVE TO DRIVE THERE TO WALK IN, IN PERSON TO ASK A QUESTION? I'M A MEMBER THERE FOR NEARLY A QUARTER OF A CENTURY!!!!!!!!!!!
We believe in the power of education to unlock financial security and are proud to offer two scholarships to support our future leaders looking to pursue higher education. These scholarships are designed for individuals entering post-secondary education in the fall semester of 2025. We recognize the importance of investing in our future leaders and are excited to contribute to their success! Click the link to apply today: www.picacreditunion.com/our-programs/future-leaders-scholarship/ ... See MoreSee Less
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