If you live, work, worship or go to school in Morris, Essex, Somerset, and Union Counties, you are eligible to join PFCU!
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Are you eyeing a new set of wheels? Now is the perfect time to make it happen with PFCU’s Delay-a-Pay offer for Auto Loans! When you take out your auto loan with us, you won’t have to make a payment for 60 days on both new and used vehicles.
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From cozy sweaters to fun autumn adventures our card offers you the best seasonal perks such as 0% APR* on purchases and balance transfers for the first 12 months.
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New and Current Members will receive a $285 Cash Reward* when you open a Free Checking Account with Direct Deposit.
Open an AccountWe 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. Because we’ve grown and evolved with Morris County over the past 80 years, we truly understand the community we serve, and of which we’ve been a member since 1939. As a member-owned, community-focused institution, our members and our community always come first. It’s just that simple. Take a look around and find out how we reinvest all our profits back into our community and empower our members to make informed financial decisions that affect positive change in their lives.
Do you have an immediate family member who is a Member of PFCU
ORIs your zip code in
ORDo you commute to
ORAttend a Temple, Church, or Mosque in
ORAttend a College, University, or Private School in
ORWhether it’s getting started on your financial life, buying a new home, or getting your dream car, we’re here to help you in your financial journey every step of the way. Join a fast-growing family of members and start enjoying the benefits of a Picatinny Federal Credit Union Membership today!
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| 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 |
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.
| 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 7.75% | 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 8.00% | Apply Now | Informational Booklet Disclosure |
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.
*APR=Annual Percentage Rate. Loan Rates as of 9/19/24. 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
| 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 |
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.
*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.
| 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 |
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.
*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.
| 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 |
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.
*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.
| 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 |
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.
*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.
| 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% |
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.
*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.
| 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% |
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.
* 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.
| 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 |
*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.
| 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 |
Certificates are perfect for short- or long-term investments, and at PFCU, we have the right terms and rates for you.
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.
| Type | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Vacation Club (Min. $5.00) | 0.030% APY* | 0.030% |
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.
* 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.
| Type | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Holiday Club (Min. $5.00) | 0.030% APY* | 0.030% |
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.
* 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.
| 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 |
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.
*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.
| Type | APR* | Action |
|---|---|---|
| Unsecured Line of Credit (Overdraft) | as low as 12.99% | Apply Now |
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.
*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.
| Type of Loan | Maximum | Term | APR* | Action |
|---|---|---|---|---|
| Share Secured | Shares on Deposit | Up to 120 months | 3.00% above share rate dividend | Apply Now |
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.
*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.
| Type | APR* | Action |
|---|---|---|
| Short Term Loan | as low as 11.5% | Apply Now |
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.
*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.
| Type | APR* | Action |
|---|---|---|
| Premium Rewards Visa Credit Card | as low as 16.99% | Apply Now |
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.
*APR=Annual Percentage Rate. Loan Rates as of 7/27/23. 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.
| 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 |
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.
*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.
| 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 |
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.
*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, 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.
| 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 |
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.
*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, 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.
| 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 |
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.
*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.
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 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 |
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.
*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.
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 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 |
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.
* 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.
** 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%.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
NMLS ID 402605
| 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 |
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.
*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.
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