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 22nd at 1PM for our free webinar! Join us for an exclusive webinar, “From Dream to Doorstep: Your Path to Homeownership with HomeAdvantage,” and discover how Picatinny FCU can help turn your homeownership dreams into reality!
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.
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.
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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An extra $250* can give your savings a real boost, whether you're saving for a vacation, a new gadget, or an emergency fund. With Picatinny FCU's free checking and direct deposit, managing your money is easier than ever. Learn more and apply now: bit.ly/42HekTm ... See MoreSee Less
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Are you dreaming of owning your own home but unsure where to start? Join us tomorrow at 1PM for a free #webinar and discover how Picatinny FCU can help turn your homeownership dreams into reality! Click the link to register: events.teams.microsoft.com/event/260dbb00-2a63-4b86-a556-dc95baec7894@122854d6-308e-4e24-97a3-cc7... ... See MoreSee Less
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Wishing you and your family a joyful #easter filled with happiness and sweet moments! 🐰 ... See MoreSee Less
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This #FinancialLiteracyMonth, we are promoting financial wellness by helping you stay informed about common scams and fraudulent activity. Click the link to learn how to stay alert, informed and protected. www.picacreditunion.com/resource/protect-yourself-from-fraud-how-to-stay-safe-from-scams/ ... See MoreSee Less
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We couldn’t resist jumping on the #actionfiguretrend – and let’s just say, we had a lot of fun! Meet our #AIGenerated action figures:
Our MLO Hero – she’s ready to leap into action and unlock the door to your dream home!
And don’t forget your local MEP – he’s always here to go above and beyond to help you achieve your financial goals. Because real-life heroes don’t always wear capes – they wear the Picatinny smile!
Which doll should we create next? #BarbieBoxChallenge ... See MoreSee Less
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