Picatinny Federal Credit Union products & services
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!
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.
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.
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.
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.
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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We’re kicking off #FinancialLiteracyMonth! Throughout the month of April, we’ll be sharing helpful tips and resources to support you on your financial journey. Whether you’re budgeting, saving, or planning for something big we’re here to help you every step of the way! ... See MoreSee Less
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Our Share Certificates are a great option for growing your savings this spring with a minimum deposit of just $500! Click the link to open an account today: ... See MoreSee Less
Learn More
MeridianLink Portal
bit.ly
In an effort to keep your personal information confidential, we will not be storing any information entered into any of the above applications after the application has been inactive for more than 15 ...0 CommentsComment on Facebook
We have some exciting news to share 🎉 Our newly renovated Arsenal Branch is officially open! Rorie and Wylka are looking forward to seeing familiar faces and helping the Arsenal community in our updated space. Don't forget to stop by and say hello! ... See MoreSee Less
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