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 |
*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.
New Recreational Vehicles
| New Recreational Vehicle Loan | Terms | Per $15,000 Borrowed | Per $1,000 Borrowed |
|---|---|---|---|
| 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 |
| 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 |
*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 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 |
*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 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.
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% APR* for 36 months | $472.54 per month | $31.50 per month |
| Used Motor Home Loan (self driven or towed) | as low as 8.49% APR* for 48 months | $369.65 per month | $24.64 per month |
| Used Motor Home Loan (self driven or towed) | as low as 8.615% APR* for 60 months | $308.54 per month | $20.57 per month |
| Used Motor Home Loan (self driven or towed) | as low as 9.115% APR* for 120 months | $190.91 per month | $12.73 per month |
*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.
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 |
*APR=Annual Percentage Rate. Loan Rates as of 12/19/24. 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
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 |
*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.
