Due to a scheduled systems maintenance on Tuesday, June 17th from 9:30PM to 4:00AM, all PFCU systems will be temporarily offline. This includes Telephone Banking, Branch ATMs, and Online & Mobile Banking. Please contact us if you have any questions. We thank you for your patience during this time.

Picatinny Federal Credit Union products & services

Young teens driving car on beach

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.

Tourist vacationing in Greece and mediterranean sea

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

Graduate

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.

Women's car broken down on side of the road

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.

Married couple cutting the cake

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.

woman with grey hair in a vest smiling at other people

Resources

We have a library of resources to guide your journey.

Let’s get social

Comments Box SVG iconsUsed for the like, share, comment, and reaction icons

All branches and offices will have special operating hours today, June 10th for our Employee Picnic. Picatinny FCU will be open from 8:00AM to 12:00PM. ... See MoreSee Less

All branches and offices will have special operating hours today, June 10th for our Employee Picnic. Picatinny FCU will be open from 8:00AM to 12:00PM.
1 week ago

We’re here at the @westfield.nj Street Fair! If you are in the area, stop by and visit our booth! ... See MoreSee Less

We’re here at the @westfield.nj Street Fair! If you are in the area, stop by and visit our booth!

Are you looking for the ultimate summer vacation? You can plan your next adventure with the help from our Short-Term Loan. Apply now and turn your getaway plans into reality: bit.ly/3HmtYNf ... See MoreSee Less

With the Premium Rewards Credit Card from Picatinny Federal Credit Union, every swipe brings you closer to the things you love. Earn points on every purchase and redeem them for travel, gift cards, merchandise & more!🎁https://bit.ly/3FFU1yj ... See MoreSee Less

With the Premium Rewards Credit Card from Picatinny Federal Credit Union, every swipe brings you closer to the things you love. Earn points on every purchase and redeem them for travel, gift cards, merchandise & more!🎁https://bit.ly/3FFU1yj

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

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: https://www.picacreditunion.com/resource/celebrating-national-homeownership-month/
3 weeks ago

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

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!
Load more