Picatinny Federal Credit Union products & services
Consolidate Your Holiday Spending with Ease
The holidays should be joyful, not stressful. Our Premium Rewards Credit Card makes it simple to take control of your finances with balance transfers designed to help you start the new year strong. Move your balances without paying any transfer fees, enjoy a lower interest rate, and simplify your budget with one convenient payment. Whether you want to consolidate holiday purchases or pay down existing balances faster, this is the perfect opportunity to save money and streamline your finances. Act now and make the smart move for your wallet!
Simplify Your Holiday Debt Today
Start the new year with less stress and more control. Our Debt Consolidation Loan helps you combine multiple holiday debts into one manageable monthly payment—without the need for collateral. Enjoy the convenience of a single payment, a competitive rate, and the peace of mind that comes with simplifying your finances. This is your chance to take charge and make your budget work for you. Ready to simplify your debt?
Take Control of Your Finances with Smart Budgeting
The start of a new year is the perfect time to set financial goals and create a plan that works for you. Our latest blog post, Budgeting Tips, offers practical strategies to help you manage expenses, save more, and stay on track all year long. From setting realistic goals to tracking your spending, these tips will empower you to make confident financial decisions. Ready to build a better budget?
Start the Year Off Right with PFCU
Kick off the new year with a fresh start and extra cash in your pocket! Open a PFCU Checking Account today and enjoy a $250 cash reward. It’s our way of helping you begin the year on the right financial foot. With convenient access, secure features, and the perks you deserve, there’s never been a better time to make the switch. Don’t wait! Start your year strong!
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*
5.561
% APR
Credit Cards
as low as*
15.24
% 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.
Are you thinking about budgeting? You can start this year off strong with an easy budget that works for you! Let’s break it down: Start with your income, list your monthly expenses, then set your goals. It’s that simple and we’ve got a budgeting worksheet to help! www.picacreditunion.com/resource/the-30-day-budgeting-challenge/ ... See MoreSee Less
0 CommentsComment on Facebook
Overpaying on your car loan?
Many New Jersey drivers are lowering their monthly payments by switching to a local credit union auto loan.
🔸Auto loans as low as 4.99% APR*
🔸New, used, or refinance your current loan
Check your rate with Picatinny Federal Credit Union today: bit.ly/4sGZicx
*APR shown for qualified borrowers. Rate and terms subject to credit approval. Federally insured by NCUA. ... See MoreSee Less
0 CommentsComment on Facebook
In observance of Martin Luther King Jr Day, our branches and offices will be closed on Monday, January 19th. ... See MoreSee Less
0 CommentsComment on Facebook
Are your credit card bills lingering from the holiday season? Let’s kick off the new year with a fresh start and regain control of your finances with our Premium Rewards Credt Card! Click the link to apply: bit.ly/3Nd13y2 ... See MoreSee Less
0 CommentsComment on Facebook
Did you know budgeting doesn’t have to be perfect? Regular check-ins and small adjustments can help you stay on track all year long! ... See MoreSee Less
0 CommentsComment on Facebook
Ready to enjoy a better banking experience in 2026? Join Picatinny FCU and earn a $250* cash reward when you open a free checking account with direct deposit. Because this year, your money should work for you! Click the link to open an account today: bit.ly/4qiaN8F ... See MoreSee Less
0 CommentsComment on Facebook