Picatinny Federal Credit Union products & services
Refer a friend
Refer a friend and get rewarded! When you tell your friends or family about the benefits of a Picatinny Federal Credit Union membership and checking account – you will receive $75* and they will receive $250*!
*To qualify for the $75 Cash Reward a new member must open a new checking account and initiate a direct deposit of at least $500 a month from an employer, social security or pension into the account. The first Direct Deposit must be initiated within the first 60 days of account opening. Must also open a savings account with a minimum deposit of $5 to qualify for this offer. The $75 Cash Reward will be deposited into the referring members savings account upon receipt of initial direct deposit payment. The $250 Cash Reward will be deposited into the new members savings account upon receipt of initial direct deposit payment. Accounts must remain open for 6 months. Offer subject to approval. All offers and terms are subject to change at any time. Exclusive offer for new PFCU members only. Cash reward is considered interest and will be reported on IRS form 1099-INT. Cannot be combined with any other offers or promotions.
Premium Rewards Credit Card
Take control of your holiday spending with our Premium Rewards Credit Card. Earn points on every purchase and enjoy exclusive perks for travel and dining. Take advantage of a 0% introductory APR on purchases and balance transfers, helping you manage expenses stress-free. Plus, redeem your rewards for cash back, gift cards, or travel, making every swipe more rewarding this season.
Share certificates
Make the most of your money with Picatinny FCU’s Share Certificates. Enjoy highly competitive rates that offer better returns compared to regular savings accounts, helping you grow your money securely. Start saving today and ensure a financially bright holiday season!
New year, new auto loans
Drive into the New Year with confidence and savings! Our low-rate auto loans make it easy to upgrade your ride, with quick approvals and flexible terms designed to fit your budget.
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*
5.718
% APR
Credit Cards
as low as*
15.74
% 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.
For over 85 years, we’ve proudly supported our community by providing competitive rates, personalized service and financial products designed to fit your needs. Do you live, work, worship, or attend school in Morris, Essex, Somerset or Union county? You can become a member today! Discover the Picatinny FCU difference: bit.ly/49LKNgA ... See MoreSee Less
0 CommentsComment on Facebook
Happy Thanksgiving to you and your family. Comment your favorite Thanksgiving side dish below! ... See MoreSee Less
0 CommentsComment on Facebook
Thank you to all of our members for your generous contributions to our Fall Food Drive! With more families depending on local food pantries this year, our partner organizations deeply appreciated every single donation. We’re proud to see our community come together and make a meaningful difference. ... See MoreSee Less
2 CommentsComment on Facebook
Are you tired of dealing with high interest rates and hidden fees on your current credit card? Switch to our Premium Rewards Credit Card and enjoy 0% APR* for the first 12 months and no balance transfer fees! Click the link to apply today: ... See MoreSee Less
Learn More
MeridianLink Portal
bit.ly
We have encountered an error attempting to initialize payment processing. Your application has been successfully submitted. A representative will reach out to you to complete the funding of your accou...0 CommentsComment on Facebook
Our branches will be closed today, November 11th in observance of #VeteransDay! We want to take a moment to thank and honor all who have served to fight for our country. ... See MoreSee Less
0 CommentsComment on Facebook
With our Club Account, you can plan ahead and save stress-free for next year’s festivities, gifts, or even a winter getaway! Click the link to learn more: www.picacreditunion.com/checking/ ... See MoreSee Less
0 CommentsComment on Facebook