Explore our products & services
Free webinar
Join us on April 9th at 6PM for our free webinar! An experienced Picatinny Mortgage Loan Originator will lead this one hour webinar to review and discuss pre-approval steps for members looking to buy a new home.
Home Equity Lines of Credit
It’s your equity – use it however you want! Whether you’re looking to consolidate existing debt for more manageable payments, cover college tuition or jumpstart your spring home renovation, consider a Picatinny FCU Home Equity Loan!
HomeAdvantage
Spring into savings and discover your dream home with our HomeAdvantage program. Make home buying a breeze with online tools to search for homes and research neighborhoods to find the perfect fit for your family, all while earning Cash Rewards!
Home Buying Event
Join us on Saturday, April 5th for an informative Home Buying Event at our Rockaway branch. Whether you’re just starting your home search or ready to make the jump, this event is designed to equip you with essential knowledge and resources needed for a successful home purchase.
Mortgage loans
We understand that the home buying journey is different for everyone – that’s why we take the time to tailor our services to your unique circumstances. Our team of experienced professionals are here to guide you through the process. We will work closely with you to find the mortgage solution that best fits your needs!
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*
5.24
% APR
Used Auto
as low as*
5.99
% APR
Mortgages
as low as*
5.978
% APR
Credit Cards
as low as*
15.99
% 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.
We believe in the power of education to unlock financial security and are proud to offer two scholarships to support our future leaders looking to pursue higher education. These scholarships are designed for individuals entering post-secondary education in the fall semester of 2025. We recognize the importance of investing in our future leaders and are excited to contribute to their success! Click the link to apply today: www.picacreditunion.com/our-programs/future-leaders-scholarship/ ... See MoreSee Less
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Gear up for spring with a Home Equity Loan from Picatinny FCU! Spring is the perfect time to refresh your space! Whether you're renovating your kitchen or tackling a home improvement project you've been dreaming about, our Home Equity Loans offer low rates and flexible terms to help. Click the link to turn your dreams into a reality: bit.ly/3QGJeWk ... See MoreSee Less
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Join us tomorrow at 1PM for our free webinar! Our experienced Picatinny Mortgage Loan Originator will guide you through the essential steps and information to simplify your home buying and mortgage refinancing experience from start to finish. Click the link to register today: events.teams.microsoft.com/event/4c387a94-98c5-4bc4-bf92-e7c7c2dadb6b@122854d6-308e-4e24-97a3-cc7... ... See MoreSee Less
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#happystpatricksday! New and current members can receive a $250 jackpot by opening a free checking account with direct deposit. Click the link to get started today: bit.ly/4iuCCXq ... See MoreSee Less
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Our 2025 Annual Meeting and Brunch will be held on Saturday, April 26th. Reservations are required in order to attend and all members will be required to show proof of identification at the door - we look forward to seeing you there! ... See MoreSee Less
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Ready to tackle those home improvement projects? 🛠️🏡 Our HELOC introductory rate of just 1.99% APR* makes it easier than ever to transform your home this spring. Whether it's a new garden, a fresh coat of paint, or a complete renovation, we've got you covered. Learn more and apply now: bit.ly/3DOQrRk ... See MoreSee Less
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