Picatinny Federal Credit Union products & services
Home Buying Event
Join us on Saturday, April 25th for an informative Home Buying Event at our Rockaway branch. Whether you’re just starting your home search or ready to make the jump, this event is designed to equip you with essential knowledge and resources needed for a successful home purchase.
Earn more with our Premium Rewards Credit Card
Turn everyday spending into extraordinary rewards. Enjoy low rates, enhanced security, and points that add up fast. Perfect for travel, cash back, or gifts. Your wallet’s new best friend.
Grow your future with an IRA
Invest in tomorrow with the steady security of an IRA. Choose Traditional or Roth options and enjoy tax‑advantaged savings that help you build long‑term financial confidence one contribution at a time.
Drive forward with a low-rate auto loan
Hit the road in a new or used vehicle with financing that keeps your payments affordable. Enjoy fast approvals, flexible terms, and great rates that put you in the driver’s seat this spring.
Spring into a new home with a Picatinny Mortgage
Lock in a competitive rate and make your homeownership dreams a reality. Whether you’re buying your first home, upgrading, or refinancing, our mortgage options are designed to fit your budget and your future!
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*
5.267
% 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.
We believe in the power of education to unlock financial security and are proud to offer two scholarships to support our future leaders looking to pursue higher education. These scholarships are designed for individuals entering post-secondary education in the fall semester of 2026. We recognize the importance of investing in our future leaders and are excited to contribute to their success! Click the link to apply today: www.picacreditunion.com/our-programs/future-leaders-scholarship/ ... See MoreSee Less
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Hey youth members! It’s time to spin and win in our Rockaway Branch! The Picatinny Prize Wheel is at our Rockaway Branch all week long! So stop in between April 13th to the 17th and spin. You could win an ice cream gift card to Dover Dairy Maid ... See MoreSee Less
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Experience the Picatinny FCU difference with better rates, personalized service and a team that truly puts YOU first! We’re here to help you reach your financial goals with the care and attention you deserve. And right now, you can enjoy a $250 cash reward* when you join! So what are you waiting for? Make the switch today and see the difference for yourself: bit.ly/4sVc6vv ... See MoreSee Less
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Hey Youth Members! It’s time to spin and win in our Denville Branch! The Picatinny Prize Wheel is at our Denville Branch all week long - so stop in between April 6th to the 10th and spin. You could win an ice cream gift card to Denville Dairy ... See MoreSee Less
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The #finalfour is here! 🏀 Who are you taking all the way? Drop your pick in the comments for the National Champion. One winner who guesses correctly will win some Picatinny FCU swag! ... See MoreSee Less
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Happy #NationalCreditUnionYouthMonth! We’re proud to support our young members with the tools they need to build strong financial futures while creating some fun and meaningful experiences along the way. Each of our branches will host a Picatinny Prize Wheel week, where our youth members can stop by, spin, and win exciting prizes! Plus, A few lucky winners will even receive gift cards to their favorite local ice cream spots. So stay connected with us throughout the month to find out when the Prize Wheel will be at your local branch, see you there! ... See MoreSee Less
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