Become a member of Picatinny Federal Credit Union, by simply opening a Savings Account with a minimum deposit of $5.
This account serves as your financial share in our credit union (unlike big banks, credit unions are not-for-profit institutions — our members are the only shareholders). By maintaining a minimum balance of $5, you can enjoy all member benefits.
Picatinny
IRAs
Let’s save for your future! Whether planning for retirement or your child’s education, you can find an individual retirement account (IRA) option that best suits your needs:
Traditional IRA: Contributions are not taxed until you start receiving payments, meaning the money you contribute now is deposited tax-free.
Roth IRA: Contributions are taxed as you make them, so when you retire you receive tax-free income.
Educational IRA: This tax-advantaged savings account can be used to pay for your child’s educational expenses (similar to a 529 savings plan).
Picatinny
Share Certificate
A Share Certificate, also called a Certificate of Deposit or CD, is a safe and easy way to invest your money for both short- and long-term saving.
Minimum balance required to open: $500.
Picatinny
Money Market Account
Money Market Accounts accrue interest at a higher rate than a basic savings account, while giving you the flexibility to withdraw your money whenever you need it.
Minimum balance required: $1,000.
Picatinny
Club Accounts
Save for the fun stuff! Our Club Accounts let you set aside money for vacations, holiday shopping, home renovations (or those unexpected expenses that threaten to derail your plans).
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*
5.49
% 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.
Account Disclosures & Privacy Policy:
+A money market account that falls below the minimum balance of $1,000 will be charged a monthly fee of $10.00.
