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.
Due to inclement weather, our branches and offices will be closed on Monday, February 23rd. #snowday ... See MoreSee Less
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It’s #LoveYourPetDay, and our team couldn’t resist sharing a few photos of their favorite coworkers who have paws and whiskers! ... See MoreSee Less
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Let's talk Mortgages! Join us for our Mortgage FAQ Series. Today, we're breaking down a question that many buyers ask early on: What is the difference between Pre-Qualification vs. Pre-Approval? While they may sound similar, they serve very different purposes in the homebuying process!
Do you have a question for Elaine or about the homebuying process? Feel free to message us and she'll get back to you! ... See MoreSee Less
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Happy #PresidentsDay! In observance of Presidents' Day, our branches and offices will be closed on Monday, February 16th. ... See MoreSee Less
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We’re so grateful for our amazing members and we want to hear from you. This #ValentinesDay, we’d love for you to share the love by posting a positive Google review of your experience with Picatinny FCU! bit.ly/46Rl4kq ... See MoreSee Less
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Hey 2026 High School Seniors! Are you looking to attend college in the fall semester? We're offering two scholarships to support our future leaders who are 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 your success so click the link to apply today! www.picacreditunion.com/our-programs/future-leaders-scholarship/ ... See MoreSee Less
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