Join Picatinny Federal Credit Union’s community of more than 19,000 members and let us help you navigate your financial needs through all stages of life.
Join now
We offer two convenient ways to become a member. Online or in-person.
Who can be a member
If you live, work, worship, or learn in Morris, Somerset, Union, and Essex counties, you and your family are eligible to join Picatinny Federal Credit Union.
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Membership benefits
The credit union difference
Our members enjoy a wide range of benefits, including:
- Personalized service from our experienced and friendly staff at five convenient locations
- Free checking account with no minimum balance requirement
- 55,000+ surcharge-free Allpoint ATMs worldwide
- Convenient online and mobile banking options
- Zelle® to securely send, request, and receive money
- Low-interest rate credit cards, with 0% APR* intro rate for 12 months, and no fees for balance transfers
- Access your cards through our app to guard your debit and credit cards from fraud, overspending, and more
- Great rates on loan products and fewer fees
- Peace of mind that comes from knowing your money (up to $250,000) is insured by the National Credit Union Administration (NCUA)
Picatinny
Relationship Rewards
Picatinny Federal Credit Union’s Relationship Rewards program is our way of thanking our members for being a part of our community. Automatically earn free services and discounts just by being a member — no forms to fill out, no annual fees!
Get started
We offer two convenient ways to become a member. Online or in-person.
Are you overwhelmed by the idea of switching your checking and savings accounts to Picatinny Federal Credit Union?
To make the transition as seamless as possible, visit any branch location and one of our team members will walk you through each step. We’ll even help you fill out any forms and make necessary phone calls with you!
We make it easy! Follow these steps:
- Open your new account at Picatinny Federal Credit Union. Stop by any branch location for personalized assistance or apply online.
- Switch any direct deposits from your previous financial institution to your new Picatinny Federal Credit Union account.
- Update any automatic payments you have set up from your old account to your new Picatinny Federal Credit Union account. This may require notifying the companies that are currently deducting payments from your old account.
- Stop using your old accounts, but don’t close them yet. Leave enough time for outstanding checks or withdrawals to clear the old account. This can take up to 12 business days.
Membership disclosure:
*APR=Annual Percentage Rate. 0% APR is on new purchases and balance transfers for 12 billing cycles for new cardholders. After that, the APR for the Premium Rewards Card will be 16.99% – 18.00%. The variable rate will be based on PFCU’s underwriting guidelines and your creditworthiness. The APR will vary with the market and is based on the Prime Rate. *This offer does not include cash advances, balance transfers or ATM withdrawals. All offers and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
