Picatinny Federal Credit Union products & services
Find your perfect car with CarMatch
Finding your next car just got easier. With CarMatch, we help you search, compare, and connect you with trusted dealerships, so you can secure the right vehicle at the right price.
Tackle Tax Season with a Short-Term Loan
Tax season can bring unexpected expenses. Our short‑term loan provides quick, affordable funds to help you cover tax obligations without the stress.
Protect what you love with GAP
Show your auto loan some love this month. GAP coverage fills the gap between what your vehicle is worth and what you owe if it’s ever totaled or stolen, giving you peace of mind all year long.
Freeze-in your rate with Share Certificates
Lock in a great rate before winter winds down! Our Share Certificates give you a secure way to grow your savings with guaranteed returns, perfect for starting the year strong. This February, let your money hibernate in a high‑yield account and wake up to steady growth.
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.
Show your savings some love with our Share Certificates! We offer competitive rates and guaranteed growth with only a minimum of $500 to get started! Click the link to open an account today: bit.ly/4a2PT84 ... See MoreSee Less
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As a member, you could qualify for our Accidental Death Insurance. No doctor visits, health questions, or lab tests required! Click the link to learn more: www.fmservice.com/insurance/picatinny-federal-credit-union/mnl/add ... See MoreSee Less
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This #BlackHistoryMonth, we honor the achievements and contributions of the many leaders who have shaped our history and continue to inspire positive change today. Together, we are building a brighter future for all! ... See MoreSee Less
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Save the date! Our 2026 Annual Meeting and Brunch will be held on Saturday, April 18th. More information will be provided soon. We hope you can make it! ... See MoreSee Less
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Budgeting is your shortcut to #FinancialWellness! Creating a realistic budget is the key to smarter spending and saving. Do you have a budgeting goal you’re working toward? Here are some budgeting hacks to help you get there! www.picacreditunion.com/resource/budgeting-tips/ ... See MoreSee Less
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Credit isn’t something to fear, it’s something to understand. Learning how it works can help you make informed decisions and feel more confident about your financial future. Here are some helpful tips on how to improve your credit score: www.picacreditunion.com/resource/how-to-improve-your-credit-score/ ... See MoreSee Less
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