Picatinny Federal Credit Union products & services
Grow your savings with guaranteed returns
Lock in competitive Share Certificate rates and enjoy secure savings with flexible terms that fit your goals.
Buy or sell with confidence with HomeAdvantage®
Find the right agent, search homes online, and earn Cash Rewards at closing. Your home journey, simplified.
Flexible funds, on your terms
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*
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.
Ready to make your money grow? Our Share Certificates make saving easy with competitive rates, guaranteed earnings, and terms customized to your needs. Plus, you can get started with as little as $500! Start saving smarter today: www.picacreditunion.com/savings/ ... See MoreSee Less
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Purchasing your first car is a significant milestone in your life! We help first-time auto buyers, with little or no credit, secure a competitive interest rate on their first auto loan with our First-Time Buyers Program. Click the link to learn more: www.picacreditunion.com/auto-loans/ ... See MoreSee Less
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June is #NationalHomeownershipMonth 🏡 Whether you’re getting ready to buy your first home, refinance, or want to learn more about the mortgage process, understanding the true cost of your loan is important!
Our latest article breaks down mortgage origination fees and explains how a flat-fee mortgage could potentially save you thousands over the life of your loan.
Click the link to read more: www.picacreditunion.com/resource/mortgage-origination-fees-explained-why-a-flat-fee-mortgage-coul... ... See MoreSee Less
Call Now
Picatinny Federal Credit Union
tel:+19733615225
Helping our members by providing a wide range of personalized products and services that are designed to meet your unique needs. We are now serving Morris, Essex, Somerset & Union Communities. Become ...0 CommentsComment on Facebook
Thank you for supporting our Diaper Drive! 🌟
Throughout the month of May, the Picatinny FCU community came together in an incredible way to support families in need through our Diaper Drive benefiting Moms Helping Moms Foundation.
We are so grateful to our generous members and dedicated employees who donated essential items to help local mothers and babies. Your kindness and commitment truly make a difference in our community.
#picatinnyfcu #CommunityStrong #momshelpingmoms #giveback #diaperdrive ... See MoreSee Less
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We know that life can sometimes take unexpected turns, that's why we offer our Hospital Accident Plan, so you can have a safety net to help you during these difficult times. Our plan provides Daily Cash Benefits to assist you financially while you recover - allowing you to focus on your healing without added financial stress. Click the link to learn more: www.picacreditunion.com/insurance/ ... See MoreSee Less
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Please join us in congratulating the winners of our 2026 Future Leaders Scholarship, Barbara Ashley from Mount Olive School District and Julia Fox from Morris Hills Regional District. These outstanding students have shown what it means to lead by example through their hard work, community involvement, and passion for creating positive change. We are honored to recognize their achievements and support them as they take the next step toward their future goals. A special thank you to all of the students who applied for this year’s scholarship program! ... See MoreSee Less
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