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Savings

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. We’re dedicated to finding one that best matches your savings goals, so we offer something for everyone at Picatinny Federal Credit Union.

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Money Matters - Accounts that Make your Money Meaningful

Savings

At Picatinny Federal Credit Union, all members must open a savings (Share) account, with a minimum deposit of $5. Aside from empowering our members to save and plan for their future, PFCU Savings Accounts are our members’ financial share in our credit union. Unlike Wall Street banks, credit unions are not-for-profit institutions and our members are the shareholders. By maintaining a minimum balance of $5, members will receive all the benefits a credit union membership has to offer. This account earns a competitive rate and dividends will be credited to your account monthly.

Money Market Account

Locking your money into an account that you can’t access without incurring a fee is not the best solution for many. A money market account acts similarly to a checking account, allowing you to withdraw money when you need it, while still earning interest at a higher rate than a basic savings account. This account requires a minimum balance of $1,000⁺ and the interest earned is dependent on the account balance. +A money market account that falls below the minimum balance of $1,000 will be charged a monthly fee of $10.00.

Club Accounts

We know how important it is to put money aside for vacations, holiday shopping, unexpected auto expenses, and more. That’s why we’ve created the Club Account, to help you save and grow the money you’ve already been setting aside, ready to use whenever you need it.

IRAs

Life can be expensive, but we’re here to help you plan for your future. Whether saving for retirement or for your child’s education, we want to guide you through the process to pick the IRA (that stands for individual retirement account) option that best suits your needs.

Traditional and Roth IRAs are similar, with the biggest distinction being they are taxed differently.

To learn more about IRAs, schedule an appointment at your nearest PFCU branch today!

Types of IRA accounts offered at PFCU:

Traditional IRA – with a traditional IRA, your contributions are not taxed until you start receiving payments, meaning your money goes in now, tax-free.
Roth IRA – with a Roth IRA, you get tax-free income when you retire. As you contribute money to your account, you pay taxes according to the current rates.
Educational IRA – a tax-advantaged savings account used to pay for children’s educational expenses (similar to a 529 savings plan).

Share/IRA Certificates

A Certificate of Deposit (known as a Share Certificate at Credit Unions) is a safe and easy way to invest your money. Certificates are perfect for short- or long-term investments, and at PFCU, we have the right terms and rates for you. To apply for a Share/IRA Certificate. Please contact us! One of our Member Experience Professionals will assist you in this process.

The minimum balance required to open a Certificate is $500.00.

Refer-a-Friend

Refer a Friend and get rewarded! When you tell your friends or family about the benefits of a Picatinny Federal Credit Union membership and savings account –you both will receive $25*!

Coupon

Savings Rates Tables

To view the rates of all our savings accounts, click here.

Learn More

Money Market: * APY=Annual Percentage Yield. APYs are effective as of 3/31/23 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

Share Certificate: *APY=Annual Percentage Yield. APYs are effective as of 7/2/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

*13-Month Share Certificate APYs are effective as of 7/2/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal.

*18-Month Share Certificate APYs are effective as of 7/2/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

*24-Month Share Certificate APYs are effective as of 7/2/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

*30-Month Share Certificate APYs are effective as of 7/2/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). On the maturity date, the certificate will automatically renew to a 24-month term at the rate in effect for that term at the time of renewal.

Vacation Club: * APY=Annual Percentage Yield. APYs are effective as of 3/4/22 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.

Holiday Club: * APY=Annual Percentage Yield. APYs are effective as of 3/4/22 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.

Refer -a-Friend: * To qualify for $25 Cash Reward new member must open a savings account with a minimum deposit of $5. PFCU will give new member and referring member each a $25 Cash Reward. Reward will be credited to each members’ savings account immediately but will be held for a period of 60 days to finalize the offer. Savings account 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.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Become a Member Today

We are a not-for-profit, full-service financial institution open to anyone who lives, works, worships or goes to school in Morris, Essex, Somerset and Union Counties. We are proud to offer all the benefits, products, technology, security and convenience of a big bank -- without the big bank headaches, bureaucracy or hidden fees. Join us today!

Open an Account

Mortgages
Home Equity
New Auto
Used Auto
New Recreational Vehicles
Used Recreational Vehicles
Share & Share Draft
Money Market
Share Certificate
IRA Certificate
Vacation Club
Holiday Club
Personal Loans
Unsecured Line of Credit (Overdraft)
Share Secured Loan Information
Short Term Loan
Premium Rewards Visa Credit Card
Debt Consolidation Loan
Payment Examples – New Auto
Payment Examples – Used Auto
Payment Examples – New Recreational Vehicles
Payment Examples – Used Recreational Vehicles
Payment Examples – Home Equity
Payment Examples – Personal Loans

Mortgages

Loan Type	Term	Rate	APR*	Action	Disclosures
Fixed	10 years	5.750%	5.978%	Apply Now
Fixed	15 years	5.875%	6.037%	Apply Now
Fixed	20 years	6.250%	6.281%	Apply Now
Fixed	30 years	6.50%	6.495%	Apply Now
3/1 Year ARM	30 years	6.375%	7.762%	Apply Now	Consumer Handbook
5/1 Year ARM	30 years	6.625%	7.713%	Apply Now	Consumer Handbook
7/1 Year ARM	30 years	6.750%	7.682%	Apply Now	Consumer Handbook
10/1 Year ARM	30 years	6.875%	7.668%	Apply Now	Consumer Handbook

Description

Whether buying or refinancing, you can count on PFCU to be your home buying partner. We’re here to assist you in finding the right mortgage product and loan terms to meet your needs and budget.

Disclaimer

*Instant Decision not available for Home Equity or Mortgage Loans.

*APR= Annual Percentage Rate. +The Flat Fee Mortgage Program is available to borrowers purchasing or refinancing 1-4 family owner-occupied properties located in NJ, PA, DE, MD, DC, VA, NC, SC, GA, FL and is subject to change at any time. The $999 Flat Fee is non-refundable and payable upon return of the signed Initial Disclosure Package. Refinance and new purchase applicants will be responsible for interim interest, funding an escrow account for property taxes and insurance, and all title insurance costs and attorney fees. Home purchase applicants will also be responsible for survey costs, home inspection costs, and all settlement items between the applicant as buyer and seller for the purchase of applicant’s home. Maximum loan amount of $766,550 and the minimum loan amount is $50,000. LTVs up to 95%, conditions apply. Cash out refinances may be subject to different terms and/or restrictions. All applicants with a loan to value over 80% require Private Mortgage Insurance (PMI), which is funded by the applicant. Any member that has financed their mortgage with PFCU in the last twenty-four (24) months is not eligible for this program. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates, fees, and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.

*APR=Annual Percentage Rate. Loan Rates as of 10/11/24. Rates are subject to change at any time. The APR is calculated based on a loan amount of $100,000. Our minimum mortgage amount is $50,000.00 to a conforming maximum of $766,550 and $1,089,300 for high cost areas for single family residences. Other terms available for two to four family units. Speak with one of our Mortgage Loan Officers at (973) 361-5225 extension 157.

NMLS ID 402605

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Home Equity

Loan Type	Min./Max.	Term	APR*	Action	Disclosures
Home Equity Fixed First Lien up to 80% LTV	$15,000 Minimum/$350,000 Maximum	5 years	as low as 6.75%	Apply Now
Home Equity Fixed First Lien up to 80% LTV	$15,000 Minimum/$350,000 Maximum	7 years	as low as 7.00%	Apply Now
Home Equity Fixed First Lien up to 80% LTV	$15,000 Minimum/350,000 Maximum	10 years	as low as 7.25%	Apply Now
Home Equity Fixed First Lien up to 80% LTV	$15,000 Minimum/$350,000 Maximum	15 years	as low as 7.50%	Apply Now
Home Equity Fixed First Lien up to 80% LTV	$15,000 Minimum/$350,000 Maximum	20 years	as low as 8.50%	Apply Now
Home Equity Fixed Second Lien	$15,000 Minimum/$350,000 Maximum	5 years	as low as 7.00%	Apply Now
Home Equity Fixed Second Lien	$15,000 Minimum/$350,000 Maximum	7 years	as low as 7.25%	Apply Now
Home Equity Fixed Second Lien	$15,000 Minimum/$350,000 Maximum	10 years	as low as 7.50%	Apply Now
Home Equity Fixed Second Lien	$15,000 Minimum/$350,000 Maximum	15 years	as low as 7.75%	Apply Now
Home Equity Fixed Second Lien	$15,000 Minimum/$350,000 Maximum	20 years	as low as 8.75%	Apply Now
HELOC First Lien	$20,000 minimum/$350,000 maximum up to 80% LTV/CLTV	30 years \| 15 year draw down period	as low as 7.50%	Apply Now	Informational Booklet Disclosure
HELOC Second Lien	$20,000 minimum/$350,000 maximum up to 80% LTV/CLTV	30 years \| 15 year draw down period	as low as 7.75%	Apply Now	Informational Booklet Disclosure

Description

Whether you’re looking to consolidate debt, pay for college tuition or remodel your kitchen, you can use the equity in your home to help finance the cost.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 11/8/24. The actual rate may vary based upon creditworthiness and underwriting policies. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.

**The APR for all Equity Lines of Credit may vary and is based on the U.S. prime rate as published in The Wall Street Journal. The minimum “floor” APR on all Equity Lines of Credit is 3.25% and the maximum APR that can apply is 18%. Introductory Rate of 1.99% for the first 6 months and adjusts to Prime + a margin after the introductory period. *Loan to value up to 80%. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

***Closing costs for the first $250,000 will be paid by Picatinny but must be repaid by the borrower(s) if the HELOC is closed within the first 12 months of account opening. These fees can be found on our Early Disclosure. Note: For LTV’s over 80% we have a limit of $250,000, have restrictions to DTI, min credit score, and are not eligible for the Introductory Rate. Rates will vary for LTV over 80%. Max Line of $350,000, any loan size over $250k, the Applicant will be responsible for Title fees and Appraisal fees. Housing counseling agencies approved by the US Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website and enter your zip code. You can also access HUD’s housing counseling agency website. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).

Picatinny Federal Credit Union NMLS ID 402605

New Auto

Loan Type	Maximum	Terms	APR*	Action
New Vehicle (Car, Truck, Van)	Up to 100% of purchase price, including sales tax	Up to 36 months	as low as 5.49%	Apply Now
New Vehicle (Car, Truck, Van)	Up to 100% of purchase price, including sales tax	Up to 48 months	as low as 5.74%	Apply Now
New Vehicle (Car, Truck, Van)	Up to 100% of purchase price, including sales tax	Up to 60 months	as low as 5.87%	Apply Now
New Vehicle (Car, Truck, Van)	Up to 100% of purchase price, including sales tax	Up to 72 months	as low as 6.50%	Apply Now
New Vehicle (Car, Truck, Van)	Up to 100% of purchase price, including sales tax	Up to 84 months	as low as 7.75%	Apply Now
New Vehicle (Car, Truck, Van)	Up to 100% of purchase price, including sales tax	Up to 96 months	as low as 8.25%	Apply Now
New Motorcycle	Up to 100% of purchase price, including sales tax	Up to 36 months	as low as 7.99%	Apply Now
New Motorcycle	Up to 100% of purchase price, including sales tax	Up to 48 months	as low as 8.115%	Apply Now
New Motorcycle	Up to 100% of purchase price, including sales tax	Up to 60 months	as low as 8.24%	Apply Now

Description

From choosing your perfect car at the dealership or utilizing PFCU’s CarMatch, we are here to help you get in the driver’s seat. We want to make your next car-buying experience hassle-free and convenient.

Disclaimers

*APR=Annual Percentage Rate. **New vehicle loan, 5.87% APR for 60 months, $19.00 per month per $1,000 borrowed. Used vehicle loan 6.495% APR for 60 months, $20.00 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 10/23/24.
Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Different terms may be available for 10 model year vehicles. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

First Time Auto Buying

*APR=Annual Percentage Rate. New or used vehicle loan, 6.50% APR for 60 months, $19.80 per $1,000 borrowed. The rates and terms of the offer are subject to change at any time. Program underwriting guidelines must be met for loan approval. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Contact the credit union for more details.

Used Auto

Loan Type	Maximum	Terms	APR*	Action
Used Vehicle (Car, Truck, Van)	Loan not to exceed J D Powers Clean Retail value sales tax	Up to 36 months	as low as 5.99%	Apply Now
Used Vehicle (Car, Truck, Van)	Loan not to exceed J D Powers Clean Retail value sales tax	Up to 48 months	as low as 6.24%	Apply Now
Used Vehicle (Car, Truck, Van)	Loan not to exceed J D Powers Clean Retail value sales tax	Up to 60 months	as low as 6.495%	Apply Now
Used Vehicle (Car, Truck, Van)	Loan not to exceed J D Powers Clean Retail value sales tax	Up to 72 months	as low as 6.75%	Apply Now
Used Vehicle (Car, Truck, Van)	Loan not to exceed J D Powers Clean Retail value sales tax	Up to 84 months	as low as 8.375%	Apply Now
Used Motorcycle	Loan not to exceed J D Powers Clean Retail value sales tax	Up to 36 months	as low as 8.24%	Apply Now
Used Motorcycle	Loan not to exceed J D Powers Clean Retail value sales tax	Up to 48 months	as low as 8.375%	Apply Now
Used Motorcycle	Loan not to exceed J D Powers Clean Retail value sales tax	Up to 60 month	as low as 8.50%	Apply Now

Description

Disclaimers

Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 4/08/24.

Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Different terms may be available for 10 model year vehicles. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

New Recreational Vehicles

Loan Type	Maximum	Terms	APR*	Action
New Boat	Up to 80% of purchase price plus sales tax not to exceed $30,000	Up to 24 months	as low as 7.99%	Apply Now
New Boat	Up to 80% of purchase price plus sales tax not to exceed $30,000	Up to 36 months	as low as 8.115%	Apply Now
New Boat	Up to 80% of purchase price plus sales tax not to exceed $30,000	Up to 48 months	as low as 8.25%	Apply Now
New Boat	Up to 80% of purchase price plus sales tax not to exceed $30,000	Up to 60 months	as low as 8.365%	Apply Now
New Motor Home (Self Driven or Towed)	Up to 80% of purchase price sales tax not to exceed $50,000	Up to 24 months	as low as 7.99%	Apply Now
New Motor Home (Self Driven or Towed)	Up to 80% of purchase price sales tax not to exceed $50,000	Up to 36 months	as low as 8.115%	Apply Now
New Motor Home (Self Driven or Towed)	Up to 80% of purchase price sales tax not to exceed $50,000	Up to 48 months	as low as 8.24%	Apply Now
New Motor Home (Self Driven or Towed)	Up to 80% of purchase price sales tax not to exceed $50,000	Up to 60 months	as low as 8.365%	Apply Now
New Motor Home (Self Driven or Towed)	Up to 80% of purchase price sales tax not to exceed $50,000	Up to 120 months	as low as 8.865%	Apply Now

Description

Whether boating on Lake Hopatcong or planning a cross-country trip in a new or used RV, PFCU is here to help finance your next adventure.

Disclaimers

*APR=Annual Percentage Rate. **New recreational vehicle loan, 7.865% APR for 60 months, $20.22 per month per $1,000 borrowed. Used recreational vehicle loan 8.115% APR for 60 months, $20.34 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Recreational Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 6/13/23.

Actual rates may vary on Recreational Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates 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. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Used Recreational Vehicles

Loan Type	Maximum	Terms	APR*	Action
Used Boat	Loan not to exceed NADA book average retail value sales tax	Up to 24 months	as low as 8.24%	Apply Now
Used Boat	Loan not to exceed NADA book average retail value sales tax	Up to 36 months	as low as 8.365%	Apply Now
Used Boat	Loan not to exceed NADA book average retail value sales tax	Up to 48 months	as low as 8.49%	Apply Now
Used Boat	Loan not to exceed NADA book average retail value sales tax	Up to 60 months	as low as 8.615%	Apply Now
Used Motor Home (Self Driven or Towed)	Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000	Up to 24 months	as low as 8.24%	Apply Now
Used Motor Home (Self Driven or Towed)	Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000	Up to 36 months	as low as 8.365%	Apply Now
Used Motor Home (Self Driven or Towed)	Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000	Up to 48 months	as low as 8.49%	Apply Now
Used Motor Home (Self Driven or Towed)	Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000	Up to 60 months	as low as 8.615%	Apply Now
Used Motor Home (Self Driven or Towed)	Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000	Up to 120 months	as low as 9.115%	Apply Now

Description

Whether boating on Lake Hopatcong or planning a cross-country trip in a new or used RV, PFCU is here to help finance your next adventure.

Disclaimers

Recreational Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 6/13/23.

Share & Share Draft

Type	Annual Percentage Yield	Dividend Rate
Shares (Min. $5.00)	0.10% APY*	0.10%
Share Drafts	0.010% APY*	0.01%
IRA (Min. $500.00)	0.10% APY*	0.10%

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future.

Disclaimers

*APY=Annual Percentage Yield. APYs are effective as of 2/1/23 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.

Transaction limitations on savings/share account: During any month, you may not make more than six withdrawals or transfers to another Credit Union account/ sub account of yours, or to a third party by means of preauthorized, automatic, or computer transfer, or telephonic order or instruction. If you exceed the transfer limitation set forth above, your account will be subject to excessive
transaction fees or closure by the credit union.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Money Market

Level	Annual Percentage Yield	Dividend Rate
$1,000-$9,999.99	0.15% APY*	0.1499%
$10,000-$24,999.99	0.15% APY*	0.1499%
$25,000.00-$49,999.99	0.15% APY*	0.1499%
$50,000.00-$99,999.99	0.30% APY*	0.2996%
$100,000 and over	0.35% APY*	0.3494%

Description

A money market account acts similarly to a checking account, allowing you to withdraw money when you need it, while still earning interest at a higher rate than a basic savings account.

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 3/31/23 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Share Certificate

Term of Account	Annual Percentage Yield	Dividend Rate	Minimum Balance
6 Month Share Certificate	3.50% APY*	3.441%	$500.00
12 Month Share Certificate	3.75% APY*	3.69%	$500.00
13 Month Share Certificate	4.25% APY*	4.17%	$500.00
18 Month Share Certificate	4.25% APY*	4.17%	$500.00
24 Month Share Certificate	4.00% APY*	3.93%	$500.00
36 Month Share Certificate	3.85% APY*	3.779%	$500.00
48 Month Share Certificate	3.85% APY*	3.7779%	$500.00
60 Month Share Certificate	3.85% APY*	3.7779%	$500.00

Description

The minimum balance required to open a Certificate is $500.00.

Disclaimers

*APY=Annual Percentage Yield. APYs are effective as of 9/18/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

*13-Month Share Certificate APYs are effective as of 9/18/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal.

*18-Month Share Certificate APYs are effective as of 9/18/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

*24-Month Share Certificate APYs are effective as of 9/18/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

IRA Certificate

Term of Account	Annual Percentage Yield	Dividend Rate	Minimum Balance
12 Month IRA Share Certificate	3.75% APY*	3.690%	$500.00
18 Month IRA Share Certificate	4.25% APY	4.170%	$500.00
24 Month IRA Share Certificate	4.00% APY	3.930%	$500.00
36 Month IRA Share Certificate	3.85% APY	3.779%	$500.00
48 Month IRA Share Certificate	3.85% APY	3.779%	$500.00
60 Month IRA Share Certificate	3.85% APY	3.779%	$500.00

Description

Certificates are perfect for short- or long-term investments, and at PFCU, we have the right terms and rates for you.

Disclaimers

APY=Annual Percentage Yield. APYs are effective as of 9/18/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Vacation Club

Type	Annual Percentage Yield	Dividend Rate
Vacation Club (Min. $5.00)	0.030% APY*	0.030%

Description

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 3/4/22 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Holiday Club

Type	Annual Percentage Yield	Dividend Rate
Holiday Club (Min. $5.00)	0.030% APY*	0.030%

Description

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 3/4/22 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Personal Loans

Type of Loan	Maximum	Term	APR*	Action
Personal	Total not to exceed $25,000	Up to 24 months	as low as 9.24%	Apply Now
Personal	Total not to exceed $25,000	Up to 36 months	as low as 10.49%	Apply Now
Personal	Total not to exceed $25,000	Up to 48 months	as low as 11.49%	Apply Now
Personal	Total not to exceed $25,000	Up to 60 months	as low as 12.49%	Apply Now
Personal	Total not to exceed $25,000	Up to 72 months	as low as 13.49%	Apply Now

Description

We understand that each of our member’s lives are different, with their own personal and financial situation. At Picatinny, we have personal loans to meet the needs of our individual members.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 1/16/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates 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.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Unsecured Line of Credit (Overdraft)

Type	APR*	Action
Unsecured Line of Credit (Overdraft)	as low as 12.99%	Apply Now

Description

We understand that each of our member’s lives are different, with their own personal and financial situation. At Picatinny, we have personal loans to meet the needs of our individual members.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 6/13/23. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates 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.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Share Secured Loan Information

Type of Loan	Maximum	Term	APR*	Action
Share Secured	Shares on Deposit	Up to 120 months	3.00% above share rate dividend	Apply Now

Description

A low-risk loan, with all the benefits. Our Share Secured loans are secured with money in your own savings (Share) account. As you begin to pay off the loan, the funds in your savings account become available. This is a low-risk way to borrow and still receive interest on the money in your account.

Disclaimers

*APY=Annual Percentage Yield. APYs are effective as of 3/18/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). Transaction limitations on savings/share account: During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Short Term Loan

Type	APR*	Action
Short Term Loan	as low as 11.5%	Apply Now

Description

We understand that each of our member’s lives are different, with their own personal and financial situation. At Picatinny, we have personal loans to meet the needs of our individual members.

Disclaimers

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Premium Rewards Visa Credit Card

Type	APR*	Action
Premium Rewards Visa Credit Card	as low as 16.24%	Apply Now

Description

We understand that each of our member’s lives are different, with their own personal and financial situation. At Picatinny, we have personal loans to meet the needs of our individual members.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 11/8/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates 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.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Debt Consolidation Loan

Type of Loan	Maximum	Term	APR*	Action
Debt Consolidation	Total not to exceed $40,000	Up to 24 months	as low as 9.74%	Apply Now
Debt Consolidation	Total not to exceed $40,000	Up to 36 months	as low as 10.99%	Apply Now
Debt Consolidation	Total not to exceed $40,000	Up to 48 months	as low as 11.99%	Apply Now
Debt Consolidation	Total not to exceed $40,000	Up to 60 months	as low as 12.99%	Apply Now
Debt Consolidation	Total not to exceed $40,000	Up to 72 months	as low as 14.74%	Apply Now
Debt Consolidation	Total not to exceed $40,000	Up to 84 months	as low as 15.24%	Apply Now
Debt Consolidation	Total not to exceed $40,000	Up to 96 months	as low as 15.74%	Apply Now
Debt Consolidation	Total not to exceed $40,000	Up to 120 months	as low as 16.74%	Apply Now

Description

We understand that each of our member’s lives are different, with their own personal and financial situation. At Picatinny, we have debt consolidation loans to meet the needs of our individual members.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 4/22/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates 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.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Payment Examples – New Auto

New Vehicle Loan	Per $15,000 Borrowed	Per $1,000 Borrowed
As low as 5.49% APR* for 36 months	$453 per month	$30 per month
As low as 5.74% APR* for 48 months	$350 per month	$23 per month
As low as 5.87% APR* for 60 months	$289 per month	$19 per month
As low as 6.50% APR* for 72 months	$252 per month	$17 per month

Description

Disclaimers

Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 10/23/24.

First Time Auto Buying

*APR=Annual Percentage Rate. New or used vehicle loan, 7.00% APR for 60 months, $19.80 per $1,000 borrowed. The rates and terms of the offer are subject to change at any time. Program underwriting guidelines must be met for loan approval. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Contact the credit union for more details.

Payment Examples – Used Auto

Used Vehicle Loan	Per $15,000 Borrowed	Per $1,000 Borrowed
As low as 5.99% APR* for 36 months	$456 per month	$30 per month
As low as 6.24% APR* for 48 months	$354 per month	$24 per month
As low as 6.495% APR* for 60 months	$293 per month	$20 per month
As low as 6.75% APR* for 72 months	$254 per month	$17 per month

Description

Disclaimers

Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 10/23/24.

First Time Auto Buying

Contact the credit union for more details.

Payment Examples – New Recreational Vehicles

New Recreational Vehicle Loan	Terms	Per $15,000 Borrowed	Per $1,000 Borrowed
New Boat Loan	As low as 7.99% APR* for 24 months	$678.34 per month	$45.22 per month
New Boat Loan	As low as 8.115% APR* for 36 months	$470.84 per month	$31.39 per month
New Boat Loan	As low as 8.24% APR* for 48 months	$367.89 per month	$24.53 per month
New Boat Loan	As low as 8.365% APR* for 60 months	$306.77per month	$20.45 per month
New Motor Home Loan (Self Driven or Towed)	As low as 7.99% APR* for 24 months	$678.34 per month	$45.22 per month
New Motor Home Loan (Self Driven or Towed)	As low as 8.115% APR* for 36 months	$470.84 per month	$31.39 per month
New Motor Home Loan (Self Driven or Towed)	As low as 8.24% APR* for 48 months	$367.89 per month	$24.53 per month
New Motor Home Loan (Self Driven or Towed)	As low as 8.365% APR* for 60 months	$306.77 per month	$20.45 per month
New Motor Home Loan (Self Driven or Towed)	As low as 8.865% APR* for 120 months	$269.38 per month	$17.96 per month

Description

Whether boating on Lake Hopatcong or planning a cross-country trip in a new or used RV, PFCU is here to help finance your next adventure.

Disclaimers

*APR=Annual Percentage Rate. **New recreational vehicle loan, 8.365% APR for 60 months, $20.45 per month per $1,000 borrowed. Used recreational vehicle loan 8.615% APR for 60 months, $20.57 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Recreational Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 6/13/23.

Payment Examples – Used Recreational Vehicles

Used Recreational Vehicle Loan	Terms	Per $15,000 Borrowed	Per $1,000 Borrowed
Used Boat Loan	As low as 8.24% APR* for 24 months	$680.05 per month	$45.34 per month
Used Boat Loan	As low as 8.365% APR* for 36 months	$472.85 per month	$31.51 per month
Used Boat Loan	As low as 8.49% APR* for 48 months	$369.65 per month	$24.64 per month
Used Boat Loan	As low as 8.615% APR* for 60 months	$308.58 per month	$20.57 per month
Used Motor Home Loan (Self Driven or Towed)	As low as 8.24% APR* for 24 months	$680.05 month	$45.35 per month
Used Motor Home Loan (Self Driven or Towed)	As low as 8.365% for 36 months	$472.54 per month	$31.50 per month
Used Motor Home Loan (Self Driven or Towed)	As low as 8.49% for 48 months	$369.65 per month	$24.64 per month
Used Motor Home Loan (Self Driven or Towed)	As low as 8.615% for 60 months	$308.54 per month	$20.57 per month
Used Motor Home Loan (Self Driven or Towed)	As low as 9.115% for 120 months	$190.91 per month	$12.73 per month

Description

Disclaimers

Recreational Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 6/13/23.

Payment Examples – Home Equity

Home Equity Loan	Per $15,000 Borrowed	Per $1,000 Borrowed
6.75% APR* for 60 months	$295.25 per month	$19.68 per month
7.00% APR for 84 months	$226.39 per month	$15.09 per month
7.25% APR for 120 months	$176.10 per month	$11.74 per month
7.50% APR for 180 months	$139.05 per month	$9.27 per month
8.50% APR for 240 months	$130.17 per month	$8.68 per month

Description

Whether you’re looking to consolidate debt, pay for college tuition or remodel your kitchen, you can use the equity in your home to help finance the cost.

Disclaimers

* APR=Annual Percentage Rate. Loan Rates as of 10/31/23. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

NMLS ID 402605

Payment Examples – Personal Loans

Personal Loan	Per $15,000 Borrowed	Per $1,000 Borrowed
As low as 9.24% APR* for 24 months	$686.92 per month	$45.79 per month
As low as 10.49% APR* for 36 months	$487.54 per month	$32.50 per month
As low as 11.49% APR* for 48 months	$391.34 per month	$26.09 per month
As low as 12.49% APR* for 60 months	$337.47 per month	$22.50 per month
As low as 13.49% APR* for 72 months	$305.08 per month	$20.34 per month

Description

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 1/13/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates 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. Actual rates may vary on Personal Loan Products. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.