Picatinny Federal Credit Union products & services
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.
Unlock your home’s potential with a Home Equity Loan
Borrow a lump sum at a low, fixed rate with predictable monthly payments. Perfect for renovations, debt consolidation, or major purchases – steady, simple, and budget‑friendly.
Flexible funds, on your terms
Buy or sell with confidence with HomeAdvantage®
Find the right agent, search homes online, and earn Cash Rewards at closing. Your home journey, simplified.
Grow your savings with guaranteed returns
Lock in competitive Share Certificate rates and enjoy secure savings with flexible terms that fit your goals.
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.
Are you thinking about a kitchen upgrade? Paying down debt? Helping with tuition? Your home could help make it happen with our Home Equity Line of Credit! Click the link to get started: bit.ly/4uvVr36 ... See MoreSee Less
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We believe your credit card should be simple terms, low rates and built around your needs with no hidden fees! Click the link to learn more about our Premium Rewards Credit Card! ... See MoreSee Less
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We know that accidents happen, give yourself peace of mind and protect yourself with GAP. Our Guaranteed Asset Protection provides an additional layer of protection to our members in the event of a total loss. Click the link to learn more: picacreditunion.iqq.alliedsolutions.net/iQQ/ConsumerWebsite/Home ... See MoreSee Less
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Are you ready for a new ride? With low rates and quick approvals, we make it easy to get behind the wheel of your dream car. Click the link to get rolling: ... See MoreSee Less
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Auto Loans and Vehicle Financing from a Trusted NJ Credit Union
www.picacreditunion.com
Secure low rate auto loans with flexible terms at Picatinny Federal Credit Union for an affordable and hassle-free car buying experience.0 CommentsComment on Facebook
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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