Explore our products & services
Prepaid vehicle maintenance
Congratulations on your new vehicle! Now, let’s help you plan to care for that investment.
Our Prepaid Vehicle Maintenance Program helps keep your car running smoothly for miles – all for a one-time fee of only $749! The program includes a wide range of maintenance that you can pay over the phone at the time of service, with no receipts to mail in. Let us help cover oil/filter change, tire rotation, brake pads/shoes, new battery, roadside assistance, and more!
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.
Consolidate and celebrate
Are you juggling multiple credit card debts from the holiday season? Our Debt Consolidation Loan can simplify repayment and lower your overall costs.
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*
5.49
% 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.
January is the perfect time to reset and adopt healthy credit card habits. By adopting these positive practices during #FinancialWellnessMonth, you can set a strong foundation for 2025. Click the link to view our insightful tips and strategies designed to empower you on your financial journey. Together, let's make 2025 an extraordinary year by focusing on healthy credit card practices!
www.picacreditunion.com/resource/credit-card-financial-wellness/ ... See MoreSee Less
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Conquer your holiday debt by combining your high-interest balances into one manageable payment with a PFCU Debt Consolidation Loan. Our loan can help you secure a lower interest rate and lower your payments, save time with fewer bills to pay, and improve your credit score. Click the link to learn more!
app.consumer.meridianlink.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD007Buy8flQR4CAUbyO2is... ... See MoreSee Less
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New year, new you, new website! We are excited to announce that we have made improvements to our PFCU website. Click the link to explore these updates firsthand! www.picacreditunion.com ... See MoreSee Less
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MY COMMENT WAS HIDDEN AND NO ONE CALLED ME
WHY IS IT IMPOSSIBLE TO GET A LIVE HUMAN ON THE PHONE WHEN CALLING THE MAIN NUMBER (973) 361-5225 ?
January is #FinancialWellnessMonth! We’re here to help you kick off the year by planning for a successful financial future with a PFCU notebook. You can use the notebook to track your financial goals, set milestones and stay on top of your financial journey throughout the year. Whether you’re saving for a vacation, paying off debt or building your emergency fund, we’re here to support you every step of the way. Visit any of our branches to pick up your PFCU notebook and start planning for a successful 2025! ... See MoreSee Less
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Invite your friends and family to discover the benefits of becoming a member of PFCU this winter and earn rewards in the process! When you refer someone, you will receive a reward of $75*, and your friend will enjoy a cash reward of $250*! Share the referral link with your friends today and start enjoying these fantastic rewards together!
app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD007Buy8flQR4CAUbyO2isvkQd3HO4uVkZZtRq2jrH6Djm... ... See MoreSee Less
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Our Premium Rewards Credit Card is the perfect partner for all your snow-filled adventures! With our card, you can enjoy these great benefits:
- Double Points on every purchase
- 0% APR* on purchases and balance transfers for the first 12 months
- No annual Fee
- Points that never expire and can be redeemed for travel vouchers, gift cards, event tickets and more!
Click the link to apply today: app.consumer.meridianlink.com/cc/CreditCard.aspx?enc=Kw21Wblm1yxpjJabdoZaD007Buy8flQR4CAUbyO2isvk... ... See MoreSee Less
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