Picatinny Federal Credit Union products & services
System Upgrade
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Make Your Wedding Spending Work for You
Earn rewards points on everyday purchases with the Premium Rewards Credit Card and put them toward the things that matter most—from wedding expenses and travel to your honeymoon and beyond.
Fall Into Better Checking
Open a Free Checking account and get a $250* cash reward. Enjoy convenient banking designed to make managing your money easier.
Give Your Savings Room to Grow
Put your money to work with a Share Certificate and enjoy the potential for higher returns with a low-risk way to save for the future.
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.
Yesterday, we had the pleasure of participating in the 2026 Rockaway Township Employee Benefits Fair. It is always rewarding to connect with members of our community and make a positive impact. A special thank-you to @rockawaytownshipnj for welcoming us and giving us the opportunity to be part of this wonderful event. ...
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Membership has its benefits.
As a member-owned credit union, Picatinny Federal Credit Union is here to provide financial solutions and personalized service designed with our members in mind.
Wondering if you're eligible to join or what makes a credit union different?
Learn more about credit union membership:
Understanding Credit Union Membership: Who Can Join and How
www.picacreditunion.com/resource/understanding-credit-union-membership-who-can-join-and-how/
#PicatinnyFCU #PicatinnyProud #NJCreditUnion #MorrisCountyNJ #PeopleHelpingPeople #CreditUnionBenefits #Membership ...
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Happy Hispanic Heritage Month!
From September 15 through October 15, we celebrate the rich history, culture, traditions and contributions of the Hispanic and Latino communities.
At Picatinny Federal Credit Union, we're proud to celebrate the diverse communities we serve and recognize the many contributions that continue to make our communities stronger.
¡Celebremos juntos!
#PicatinnyFCU #PicatinnyProud #NJCreditUnion #MorrisCountyNJ #PeopleHelpingPeople #HispanicHeritageMonth #Community ...
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Picatinny Federal Credit Union partnered with O'Bagel in Parsippany to treat our members to complimentary coffee and bagels for National Coffee Day. It’s one of the many ways we love showing appreciation for the people who make our credit union community so special!
Thank you to O’Bagel for helping us make the day a little brighter and more delicious! ...
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Strikes, spares, and making a difference! We were proud to attend and support the Cornerstone Family Programs and Morristown Neighborhood House 19th Annual Bowl-A-Thon. It was a fantastic day filled with fun, community spirit, and support for an amazing organization. Thank you for having us, and we look forward to continuing to give back to the communities we serve!
#ProudToSupport #CornerstoneFamilyPrograms #bowlathon #CommunityMatters #picatinnyfcu ...
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Unexpected vehicle expenses can put a serious dent in your budget.
With Picatinny's Prepaid Vehicle Maintenance Program, you can plan ahead with a $749 one-time fee for covered maintenance services.*
Planning ahead for vehicle maintenance can help you better manage your budget and avoid surprises down the road.
Learn more about the program:
Financial Literacy with Our Prepaid Vehicle Maintenance Program
*See program terms and conditions for details.
www.picacreditunion.com/resource/financial-literacy-with-our-prepaid-vehicle-maintenance-program/
#PicatinnyFCU #PicatinnyProud #NJCreditUnion #MorrisCountyNJ #PeopleHelpingPeople #VehicleMaintenance #AutoCare #CarCare ...
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