Picatinny Federal Credit Union products & services
Refer-a-friend
Earn rewards with Picatinny FCU’s Refer-a-friend promotion! When you refer a friend who opens a new checking account, you’ll receive $75*, and they’ll receive $250*!
*To qualify for the $75 Cash Reward a new member must open a new checking account and initiate a direct deposit of at least $500 a month from an employer, social security or pension into the account. The first Direct Deposit must be initiated within the first 60 days of account opening. Must also open a savings account with a minimum deposit of $5 to qualify for this offer. The $75 Cash Reward will be deposited into the referring members savings account upon receipt of initial direct deposit payment. The $250 Cash Reward will be deposited into the new members savings account upon receipt of initial direct deposit payment. Accounts must remain open for 6 months. Offer subject to approval. All offers and terms are subject to change at any time. Exclusive offer for new PFCU members only. Cash reward is considered interest and will be reported on IRS form 1099-INT. Cannot be combined with any other offers or promotions.
Recuperative Care Plan
Ensure peace of mind with Picatinny Federal Credit Union’s Recuperative Care plan. This insurance provides cash benefits for hospital stays due to covered accidents or illnesses, helping you recover without financial stress.
Short Term Loans
Picatinny Federal Credit Union’s Short Term Loans provide quick financial relief for emergencies and unforeseen expenses, making them ideal for individuals who need immediate funds without long-term commitments.
Youth Account
Help your child build a solid financial foundation with Picatinny Federal Credit Union’s Youth Account. Open an account today and earn a cash reward up to $50* with your first deposit.
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*
4.99
% APR
Used Auto
as low as*
5.74
% APR
Mortgages
as low as*
5.895
% 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.
Happy #NationalIceCreamDay! Looking for a place to enjoy a scoop of ice cream? Check out this article which features several shops located in our community! Grab a cone or a spoon, and feel free to tag your favorite ice cream spot in the comments below! jerseydigs.com/new-jersey-ice-cream/ ... See MoreSee Less
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Summer is better with friends - and bonuses! When you refer a friend to open a free checking account with direct deposit, you can unlock exciting Cash Rewards that could fund your summer adventures. Click the link to learn more: www.picacreditunion.com/checking/ ... See MoreSee Less
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Embark on a summer road trip with a great auto loan rate! Enjoy personalized, low rates and flexible terms tailored to fit your budget and needs, allowing you to focus on finding your perfect car. Click the link to start your journey with confidence - let's get rolling! ... 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...0 CommentsComment on Facebook
We understand that every homebuying journey is unique, which is why we take the time to customize our services to fit your individual needs. We offer tailored mortgage programs to support your homeowner dreams. Click the link to learn more: www.picacreditunion.com/mortgages/ ... See MoreSee Less
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We’re on base today celebrating Picatinny Arsenal Community Day! A big thank you to everyone who organized this wonderful event, we enjoyed the fun activities and learning about the history of the Arsenal. ... See MoreSee Less
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Unexpected illness or injury can take more than a physical toll — it can impact your finances too. Our Recuperative Care Insurance helps cover daily living expenses while you recover, so you can focus on getting better! Click the link to learn more: www.picacreditunion.com/insurance/ ... See MoreSee Less
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