Picatinny Federal Credit Union products & services
Statement Notice
Go paperless and skip the paper statement fee. Beginning November 30, 2026, the standard fee will resume for members receiving mailed statements who have access to Online Banking. Enroll all eligible accounts in eStatements before November 30 to avoid the fee.
The Family Security Plan
The people who make your holidays special are worth planning for. Explore life insurance options available to Picatinny members through The Family Security Plan® and request a personal consultation.
Club Account
Next year’s holiday cheer starts with a little planning today. Set money aside with a Picatinny Club Account and work toward gifts, gatherings, and the moments you look forward to most.
Premium Rewards Credit Card
Make your holiday purchases more rewarding. Earn double points on purchases with Picatinny’s Premium Rewards Credit Card—with no annual fee. Explore rewards for the shopping you’ve already planned.
Short Term Loans
A little breathing room for the season. When unexpected expenses meet holiday plans, explore Picatinny’s Short Term Loan and talk with our team about an option that fits your needs.
Our rates
As a member-owned credit union, Picatinny Federal Credit Union can offer lower rates than big banks.
HELOCs
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*
6.073
% APR
Credit Cards
as low as*
15.49
% 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.
Only a few days left until the drawing!
Be sure to visit the link in our bio labeled "Support Local and Win Local Giveaway" and enter for your chance to win. No purchase necessary! Don't miss out on this exciting opportunity to support local businesses and win great prizes! ...
1 CommentsComment on Facebook
Your holiday list just got a rewarding twist.
Earn double points on purchases with Picatinny’s Premium Rewards Credit Card—with no annual fee.
From gifts to gathering essentials, make the purchases you’ve already planned more rewarding. Explore the benefits before your holiday shopping begins.
www.picacreditunion.com/credit-cards/
#PicatinnyFCU #PremiumRewards #HolidayShopping #CreditCardRewards ...
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’Tis the season for giving back!
From November 2-13, Picatinny FCU is hosting a food drive to support five local food pantries in our branch communities, and we'd love for YOU to participate.
If you're able, please bring nonperishable food donations to any branch collection bin. Whether you donate a few cans or a bag of groceries, every contribution will help support our neighbors during the holiday season.
Let’s come together as a team, fill those bins, and make a meaningful impact in our communities
Thank you for your generosity and for helping make this food drive a success!
If you have any questions or concerns, please feel free to reach out!
www.picacreditunion.com/community-event/food-drive/ ...
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A little breathing room before the holiday rush.
When seasonal costs and unexpected expenses overlap, it helps to know your options. Picatinny’s Short Term Loan may help you manage a temporary cash need with a repayment plan.
Talk with our team about what fits your situation.
www.picacreditunion.com/personal-loans/
#PicatinnyFCU #ShortTermLoan #HolidayPlanning #FinancialWellness ...
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Please be aware of our special branch hours on November 3. We will open at 8:00 AM and close at Noon. ...
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Which deal could save you more? A cash rebate or 0% financing? Compare the numbers before making your decision.
picacreditunion.groovecar.com/
#PicatinnyFCU #groovecar #AutoFinancing #CarBuyingTips ...
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