Explore our products & services
Flat Fee Mortgage Program
Enjoy the predictability of a flat fee of just $999*, covering essential services like application fees, credit reports, flood certification, and more!
CarMatch
Let PFCU help you get behind the wheel of your dream car. Our user-friendly car shopping site is designed to simplify your car buying experience. Search and compare new and pre-owned vehicles, calculate your monthly loan payment, locate a dealership, and more!
Share Certificates
Take advantage of our attractive rates on Share Certificates to help you maximize your savings. Enjoy the security of a fixed rate and the flexibility of various term options.
Free webinar
Join us on April 22nd at 1PM for our free webinar! Join us for an exclusive webinar, “From Dream to Doorstep: Your Path to Homeownership with HomeAdvantage,” and discover how Picatinny FCU can help turn your homeownership dreams into reality!
Home Equity Loans
Borrow up to 100%* of your home’s equity with fixed home equity loans or draw down on your loan for up to 15 years with a HELOC.
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.
April is #FinancialLiteracyMonth, making it the perfect time to focus on smart money habits - especially when it comes to credit cards! Understanding how to effectively manage your credit card usage can greatly enhance your financial stability and long-term financial success. Click the link to learn more! www.picacreditunion.com/resource/healthy-credit-card-habits-for-financial-literacy-month/ ... See MoreSee Less
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During #FinancialLiteracyMonth, we're promoting financial wellness by sharing various tips and tricks to support healthy financial planning. Our Prepaid Vehicle Maintenance Program helps members manage car expenses and reduce unexpected maintenance costs for a one time fee of $749 - allowing you to take a proactive approach to managing your money and car expenses. Click the link to read more! www.picacreditunion.com/resource/financial-literacy-with-our-prepaid-vehicle-maintenance-program/ ... See MoreSee Less
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Join us tonight for a free #Webinar where an experienced Picatinny Mortgage Loan Originator will review and discuss the pre-approval process for members looking to buy a new home. Click the link to register: events.teams.microsoft.com/event/1df67381-19b5-4e1f-8b97-381012c6a543@122854d6-308e-4e24-97a3-cc7... ... See MoreSee Less
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With our mortgage products we can provide you with the support and resources necessary to make the home buying process as smooth as possible:
✔️ Flat Fee of $999* - no expensive closing costs and no hidden fees
✔️ 100% First Mortgage Program - finance the purchase of your home without the need for a down payment
Let’s turn your homeownership dreams into reality! Click the link to start today: www.picacreditunion.com/mortgages/ ... See MoreSee Less
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Thank you to all who came out to our Home Buying Event! We enjoyed connecting with you and providing insights to help make your homeownership dreams a reality. Whether you’re just starting your journey or ready to take the next step, we are here to support you every step of the way. Have more questions? Reach out—we’re happy to help! ... See MoreSee Less
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Join us this Saturday for our Home Buying Event at our Rockaway branch!
✔️ enjoy light refreshments while networking with other attendees and industry professionals
✔️ receive free PFCU giveaways throughout the event
✔️ connect with local vendors who will provide valuable information at their tables
✔️ enter for a chance to win a $200 Lowe's Gift Card!
✔️ learn the ins & outs of home buying with our informative seminar: Home Loans 101 & Preapprovals: A Credit Union Guide
Click the link to register: docs.google.com/forms/d/e/1FAIpQLSeCB9rHsc3PR2CG30yI-6QGJLBQJPRC0Uuz-p-D9GrcCLdaNQ/viewform ... See MoreSee Less
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