At Picatinny, we want our members to realize their dreams. Whether you’re purchasing your first home, buying a new car, or need some extra cash for those long-awaited home improvements or a much-needed vacation, we are here to help you achieve your goals. PFCU offers a variety of lending and borrowing solutions, with low rates, for all your needs.

As a Picatinny member, you have the opportunity to benefit from low interest rates and more convenient loan terms. Every loan is processed by one of our knowledgeable Member Experience Professionals who will be with you during every step of the process, making it as simple, fast and convenient as possible. Please be sure to unfreeze your credit history to ensure a faster and smoother application process. You can also easily apply for a loan online and receive an instant decision*, download the application, contact us at 973-361-5225 or visit any one of our branch locations.

Loans & Lending Solutions for all of Life’s Milestones, Big and Small



Welcome to the neighborhood! Whether you’re buying a new home or refinancing your current mortgage to a lower rate, Picatinny’s main focus is to assist you in finding the right product to meet your needs and budget. Additionally, we’re proud to offer our Flat Fee Mortgage Program, which removes some costly barriers and helps put homeownership in reach to more members of our community. 

Home Equity

It’s your home, it’s your equity. Are you looking to pay for college tuition, remodel your kitchen or consolidate debt? Picatinny’s Home Equity Loan program offers members competitive rates on fixed-rate loans and home equity lines of credit, with the ability to tailor your payment schedule to meet your needs. 


Auto Center

The power of buying a car is at your fingertips 24/7. Picatinny’s Auto Center uses an exclusive CarMatch, offering members access to an inventory of millions of new and pre-owned cars, research, vehicle comparisons and the ability to apply for your loan anytime, anywhere!

Personal Loans

We can help you find solutions to all your financial needs. We understand that each of our member’s lives are different, with their own personal and financial situation. At Picatinny, we have personal loans to meet the needs of our individual members.


Share Secured

A low risk loan, with all the benefits. Our Share Secured loans are secured with money in your own savings (Share) account. As you begin to pay off the loan, the funds in your savings account become available. This is a low-risk way to borrow and still receive interest on the money in your account. A Share Secured loan can also help you establish a credit history as you repay your loan.

Share dividend plus 2%

Terms up to 120 months; determined by the loan amount

Become a Member Today

We are a not-for-profit, full-service financial institution open to anyone who lives, works, worships or goes to school in Morris,  Essex, Somerset and Union Counties. We are proud to offer all the benefits, products, technology, security and convenience of a big bank -- without the big bank headaches, bureaucracy or hidden fees. Join us today!