Explore our products & services

Flat Fee Mortgage Paperwork

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!

Family Driving in car

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!

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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.

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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.

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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.

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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.

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Resources

We have a library of resources to guide your journey.

Let’s get social

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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

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 youre looking to create a budget or saving for an important milestone, join us in this journey towards financial empowerment!

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

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! https://docs.google.com/forms/d/e/1FAIpQLSeCB9rHsc3PR2CG30yI-6QGJLBQJPRC0Uuz-p-D9GrcCLdaNQ/viewform

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

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

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: https://www.picacreditunion.com/our-programs/future-leaders-scholarship/
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