Picatinny Federal Credit Union products & services
System Upgrade
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Make Your Wedding Spending Work for You
Earn rewards points on everyday purchases with the Premium Rewards Credit Card and put them toward the things that matter most—from wedding expenses and travel to your honeymoon and beyond.
Fall Into Better Checking
Open a Free Checking account and get a $250* cash reward. Enjoy convenient banking designed to make managing your money easier.
Give Your Savings Room to Grow
Put your money to work with a Share Certificate and enjoy the potential for higher returns with a low-risk way to save for the future.
Our rates
As a member-owned credit union, Picatinny Federal Credit Union can offer lower rates than big banks.
HELOCs
as low as*
6.50
% APR
New Auto
as low as*
4.99
% APR
Used Auto
as low as*
5.74
% APR
Mortgages
as low as*
6.073
% 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.
Your finances, right at your fingertips.
With Picatinny Online & Mobile Banking, you can check balances, deposit checks, transfer funds, pay bills and manage your cards wherever you are.
Want to get more out of your online banking experience? Learn more about the benefits of online banking.
Benefits of Online Banking
www.picacreditunion.com/resource/benefits-of-online-banking/
#PicatinnyFCU #PicatinnyProud #NJCreditUnion #MorrisCountyNJ #PeopleHelpingPeople #MobileBanking #DigitalBanking ...
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Make managing your money easier with Picatinny Federal Credit Union.
Thinking about making the switch to a credit union? Learn more about membership, eligibility and what it means to become a Picatinny member.
Learn more:
Understanding Credit Union Membership: Who Can Join and How
*Restrictions apply. See website for details."
www.picacreditunion.com/resource/understanding-credit-union-membership-who-can-join-and-how/
#PicatinnyFCU #PicatinnyProud #NJCreditUnion #MorrisCountyNJ #PeopleHelpingPeople #CheckingAccount #FinancialWellness ...
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Labor Day weekend is almost here! Whether you're hitting the road or enjoying a staycation, a few simple banking tips can help make your weekend stress-free.
Before you go:
- Use Mobile Banking to monitor your accounts.
- Add your debit card to your digital wallet.
- Turn on account alerts.
- Review your available balance.
- Keep a backup payment method with you while traveling.
No matter where the holiday takes you, Picatinny Federal Credit Union is here to help you bank with confidence.
#PicatinnyFCU #LaborDay #MobileBanking #TravelSmart #DigitalBanking #FinancialWellness #CreditUnion #BankConfidently ...
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Life is full of surprises—but your finances don't have to be.
Building an emergency fund can help prepare you for unexpected expenses like:
- Car repairs
- Medical bills
- Home repairs
- Unexpected life events
The best time to start saving is today. Even setting aside a small amount each paycheck can make a meaningful difference over time.
#PicatinnyFCU #EmergencyFund #Savings #FinancialSecurity #MoneyTips #FinancialWellness #CreditUnion #SaveForTomorrow ...
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As summer winds down, it's the perfect time to check in on your financial goals before the busy fall season begins.
Take a few minutes to:
✔ Review your monthly spending.
✔ Add to your savings.
✔ Set a financial goal for the fall.
✔ Check your account balances using Mobile Banking.
✔ Start planning for upcoming holiday expenses.
Small financial habits today can lead to greater confidence tomorrow.
#PicatinnyFCU #FinancialWellness #SavingsGoals #MoneyManagement #SmartSaving #Budgeting #CreditUnion #FallPlanning ...
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Buying a vehicle is a big decision, and a little preparation can go a long way.
Before applying for an auto loan, remember to:
✔ Know your credit score.
✔ Decide on a realistic budget.
✔ Estimate insurance costs.
✔ Plan your down payment.
✔ Compare financing options.
Taking these steps can help you feel confident throughout the car-buying process and make it easier to find the financing option that's right for you.
#PicatinnyFCU #AutoLoan #CarBuyingTips #FinancialEducation #MoneyManagement #CreditUnion #SmartBorrowing #AutoFinancing ...
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