Picatinny Federal Credit Union products & services
Start the School Year with Smarter Banking
Manage your money with free checking, online banking, mobile deposits, Zelle®, and a Visa® debit card—all designed to fit your busy lifestyle.
Give Kids a Head Start on Saving
Help your child build lifelong financial habits with a Youth Savings Account and up to a $50 matching deposit.
Bank Anywhere This School Year
Deposit checks, transfer money, pay bills, and manage your finances anytime with Picatinny FCU’s Mobile Banking App.
Our rates
As a member-owned credit union, Picatinny Federal Credit Union can offer lower rates than big banks.
HELOCs
as low as*
6.50
% 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*
15.24
% 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.
A healthy budget isn't about restrictions it's about giving yourself confidence and control over your finances.
It may be time to review your budget if:
✔ You're relying on your credit card each month.
✔ You're finding it harder to save.
✔ Bills seem more difficult to manage.
✔ You're unsure where your money is going.
✔ You haven't reviewed your finances in a while.
Small adjustments today can make a big difference tomorrow.
#PicatinnyFCU #Budgeting #FinancialWellness #MoneyManagement #FinancialGoals #SavingMoney #CreditUnion #MoneyTips ... See MoreSee Less
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Sometimes life brings unexpected expenses—or exciting new opportunities.
A personal loan can be a flexible solution when you're looking to:
✔ Make home repairs or improvements
✔ Cover medical expenses
✔ Consolidate higher-interest debt
✔ Finance a vacation
✔ Handle unexpected expenses
At Picatinny Federal Credit Union, we're committed to helping our members find financial solutions that fit their needs.
#PicatinnyFCU #PersonalLoan #BorrowSmart #FinancialSolutions #MoneyGoals #DebtConsolidation #CreditUnion #FinancialWellness ... See MoreSee Less
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Your credit card should do more than just help you make purchases—it should work for you every day.
The Picatinny Federal Credit Union Premium Rewards Credit Card is designed to help you get more from every swipe with benefits like:
✔ No annual fee
✔ Double reward points on every purchase
✔ 0% APR on purchases and balance transfers for the first 12 months*
✔ No balance transfer fee
✔ 20,000 bonus reward points after spending $1,000 on qualifying purchases within the first 60 days*
✔ Reward points that never expire and can be redeemed for travel, gift cards, merchandise, Amazon purchases, and more through uChoose® Rewards
✔ Fraud monitoring and 0% liability for unauthorized transactions
Whether you're shopping for groceries, filling up your gas tank, or making purchases online, the right credit card can help simplify your financial life while rewarding you every step of the way.
#PicatinnyFCU #CreditCards #SmartSpending #FinancialWellness #MoneyManagement #Rewards #DigitalWallet #CreditUnion ... See MoreSee Less
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Small donation, big impact!
Picatinny Federal Credit Union was happy to support Hope House with a clothing donation, including event t-shirts we previously sponsored for local high school activities. We're proud to give back, extend the life of these items, and support our community in meaningful ways.
#PicatinnyFCU #GivingBack #CommunityStrong ... See MoreSee Less
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Before the first bell rings, make sure your finances are ready too!
Use this quick checklist to stay organized throughout the school year.
✔ Mobile Banking
✔ Account Alerts
✔ Debit Card Controls
✔ Digital Wallet
✔ eStatements
✔ Monthly Budget Review
A little preparation today can make managing your money even easier all year long
#picatinnyfcu #mobilebanking #backtoschool #FinancialChecklist #DigitalBanking #moneymanagement #CreditUnion ... See MoreSee Less
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Financial confidence starts with small lessons.
Teaching children how to save, spend responsibly, and set goals today can help prepare them for tomorrow.
A Youth Savings or Teen Checking Account is a great first step toward building lifelong financial habits.
Help your child start their financial journey with Picatinny Federal Credit Union.
#picatinnyfcu #YouthSavings #TeenChecking #FinancialEducation
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