Explore our products & services
Short term loan
We know that tax season can be stressful, which is why we offer our Short Term Loan to help you navigate this time with confidence! Whether you’re facing unexpected bills or simply need a little extra support, Picatinny is here to help you navigate those tight financial moments with ease. Click the link to find out how our loans can provide the financial boost you need.
Guaranteed Asset Protection (GAP)
Accidents can happen at any time, often catching us off guard. That’s why it’s important to have peace of mind and protect your investment with Guaranteed Asset Protection (GAP). This offers an extra layer of coverage for our members and in the event of a total loss, GAP can help cover the difference between the outstanding loan amount and the actual cash value of your vehicle. Click the link to discover more about how GAP can protect your ride!
Refer-a-friend
Refer a friend and get rewarded! When you tell your friends or family about the benefits of a Picatinny Federal Credit Union membership and checking account – you will receive $75* and they will receive $250*!
*To qualify for the $75 Cash Reward a new member must open a new checking account and initiate a direct deposit of at least $500 a month from an employer, social security or pension into the account. The first Direct Deposit must be initiated within the first 60 days of account opening. Must also open a savings account with a minimum deposit of $5 to qualify for this offer. The $75 Cash Reward will be deposited into the referring members savings account upon receipt of initial direct deposit payment. The $250 Cash Reward will be deposited into the new members savings account upon receipt of initial direct deposit payment. Accounts must remain open for 6 months. Offer subject to approval. All offers and terms are subject to change at any time. Exclusive offer for new PFCU members only. Cash reward is considered interest and will be reported on IRS form 1099-INT. Cannot be combined with any other offers or promotions.
Car Match
Are you ready to find your next car? Don’t delay, start your exciting journey with Car Match! Our user-friendly car shopping site is designed to simplify your car shopping experience. Search and compare new and pre-owned vehicles, calculate your monthly loan payment, locate a dealership, and more!
New member perks
New and current members will receive a $250 cash reward* when you open a free checking account with direct deposit.
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 have the winning strategies to help you reach your financial goals. Enjoy low rates on our loans, great benefits with our credit cards, and free checking accounts that come with a $250 cash reward! Our team is here to help you score big on your financial future! ... See MoreSee Less
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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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PFCU Weather Alert for February 6th. ... See MoreSee Less
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With a Picatinny FCU Free Checking Account you'll benefit from online banking, no monthly fees and a $250 cash reward when you set up direct deposit. Click the link to open an account today! ... See MoreSee Less
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MeridianLink Portal
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In an effort to keep your personal information confidential, we will not be storing any information entered into any of the above applications after the application has been inactive for more than 15 ...0 CommentsComment on Facebook
We are celebrating #BlackHistoryMonth by reflecting on the incredible leaders and influencers who have shaped our history and continue to inspire positive change today. Together, we are building a brighter future for all! ... See MoreSee Less
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Save the date! Our 2025 Annual Meeting and Brunch will be held on Saturday, April 26th. More information will be provided soon. We hope you can make it! ... See MoreSee Less
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