Picatinny Federal Credit Union products & services
First Time Auto Buyer
Our First Time Auto Buyers program helps individuals with little or no credit history secure competitive interest rates on their first auto loan, making car ownership accessible and affordable.
Short Term Loans
Plan your perfect getaway with Picatinny Federal Credit Union’s Short Term Loans! Enjoy competitive rates and flexible terms to make your dream vacation a reality without the financial stress
Break Through Account
Picatinny Federal Credit Union’s Break Through Account is designed to help recent graduates and college students build a strong financial foundation with benefits like matching funds, fee waivers, and personalized service.
Mechanical Breakdown Protection
Experience worry-free driving with Picatinny Federal Credit Union’s Mechanical Breakdown Protection. This extended warranty covers repairs for unexpected mechanical breakdowns, ensuring your vehicle stays in top condition.
Premium Rewards Credit Card
Make your wedding dreams come true with Picatinny FCU’s Premium Rewards Credit Card! Use it to cover wedding expenses and earn points that can be redeemed for travel, gift cards, and more, helping you save on your honeymoon and beyond.
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*
4.99
% APR
Used Auto
as low as*
5.74
% APR
Mortgages
as low as*
5.895
% 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.
Resources
We have a library of resources to guide your journey.
This month is #NationalHomeownershipMonth! Whether you are a new homeowner or making your final payments on your mortgage, here are a few tips and tricks for you. Click here to learn more: www.picacreditunion.com/resource/celebrating-national-homeownership-month/ ... See MoreSee Less
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Take me out to the ball game... Today we’re at the @somersetpatriots Ballpark! Come and stop by our booth and pick up a Picatinny giveaway! ... See MoreSee Less
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Please join us in congratulating the winners of our 2025 Future Leaders Scholarship Katie Park from Randolph High School and Drew Smolen from North Warren Regional School District. This scholarship recognizes high school seniors who are entering college and have made a significant impact in our local communities. Through volunteering and efforts to create positive change in our hometowns, these students have truly earned this scholarship. We are proud to award such outstanding individuals as they continue their educational journeys. Thank you to all the students who applied for our scholarship! ... See MoreSee Less
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On #memorialday, we would like to take a moment to remember and honor all who have served our country. Our branches will be closed on Monday, May 26th in observance of Memorial Day. ... See MoreSee Less
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Congratulations to all the recent and soon-to-be graduates of the #classof2025! We want to take this moment to celebrate your hard work and all the milestones you have achieved along the way. We look forward to seeing the incredible contributions you will make to our community! ... See MoreSee Less
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Happy #MemberAppreciationDay! Today, we’re celebrating and thanking you for being a Picatinny FCU member. Whether you’ve just joined or have been with us for years, your loyalty and support are what drive us to serve our neighbors. Thank you for being a part of the Picatinny FCU family! ... See MoreSee Less
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