Picatinny Federal Credit Union products & services
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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.
Life is full of surprises—but your finances don't have to be.
Building an emergency fund can help prepare you for unexpected expenses like:
- Car repairs
- Medical bills
- Home repairs
- Unexpected life events
The best time to start saving is today. Even setting aside a small amount each paycheck can make a meaningful difference over time.
#PicatinnyFCU #EmergencyFund #Savings #FinancialSecurity #MoneyTips #FinancialWellness #CreditUnion #SaveForTomorrow ...
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As summer winds down, it's the perfect time to check in on your financial goals before the busy fall season begins.
Take a few minutes to:
✔ Review your monthly spending.
✔ Add to your savings.
✔ Set a financial goal for the fall.
✔ Check your account balances using Mobile Banking.
✔ Start planning for upcoming holiday expenses.
Small financial habits today can lead to greater confidence tomorrow.
#PicatinnyFCU #FinancialWellness #SavingsGoals #MoneyManagement #SmartSaving #Budgeting #CreditUnion #FallPlanning ...
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Buying a vehicle is a big decision, and a little preparation can go a long way.
Before applying for an auto loan, remember to:
✔ Know your credit score.
✔ Decide on a realistic budget.
✔ Estimate insurance costs.
✔ Plan your down payment.
✔ Compare financing options.
Taking these steps can help you feel confident throughout the car-buying process and make it easier to find the financing option that's right for you.
#PicatinnyFCU #AutoLoan #CarBuyingTips #FinancialEducation #MoneyManagement #CreditUnion #SmartBorrowing #AutoFinancing ...
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Your home is one of your biggest investments, why not invest back into it?
Whether you're planning a kitchen renovation, replacing your roof, installing new windows, building a deck, or improving your landscaping, thoughtful upgrades can add comfort and long-term value to your home.
For eligible homeowners, a Home Equity Line of Credit (HELOC) may provide a flexible way to finance larger improvement projects.
#picatinnyfcu #HomeEquity #HELOC #HomeImprovement #HomeOwnership #FinancialSolutions #CreditUnion #investinyourhome ...
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Thinking about buying a new or used vehicle?
Before you head to the dealership, consider getting pre-approved for an auto loan.
Getting pre-approved can help you:
✔ Know your budget before you shop
✔ Understand your estimated monthly payment
✔ Shop with confidence
✔ Strengthen your negotiating power
✔ Save time during the buying process
At Picatinny Federal Credit Union, we're here to help make your car-buying experience simple and stress-free.
#PicatinnyFCU #AutoLoan #PreApproval #CarBuying #NewCar #FinancialWellness #CreditUnion #AutoFinancing ...
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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 ...
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