Rates

Savings

Share & Share Draft

Type Annual Percentage Yield Dividend Rate
Shares (Min. $5.00) 0.10% APY* 0.10%
Share Drafts 0.010% APY* 0.01%
IRA (Min. $500.00) 0.10% APY* 0.10%

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

*APY=Annual Percentage Yield. APYs are effective as of 2/1/23 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.

Transaction limitations on savings/share account: During any month, you may not make more than six withdrawals or transfers to another Credit Union account/ sub account of yours, or to a third party by means of preauthorized, automatic, or computer transfer, or telephonic order or instruction. If you exceed the transfer limitation set forth above, your account will be subject to excessive
transaction fees or closure by the credit union.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Money Market

Level Annual Percentage Yield Dividend Rate
$1,000-$9,999.99 0.15% APY* 0.1499%
$10,000-$24,999.99 0.15% APY* 0.1499%
$25,000.00-$49,999.99 0.15% APY* 0.1499%
$50,000.00-$99,999.99 0.30% APY* 0.2996%
$100,000 and over 0.35% APY* 0.3494%

Description

A money market account acts similarly to a checking account, allowing you to withdraw money when you need it, while still earning interest at a higher rate than a basic savings account.

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 3/31/23 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Share Certificate

Term of Account Annual Percentage Yield Dividend Rate Minimum Balance
6 Month Share Certificate 3.50% APY* 3.45% $500.00
12 Month Share Certificate 3.75% APY* 3.69% $500.00
13 Month Share Certificate 4.85% APY* 4.745% $500.00
18 Month Share Certificate 3.75% APY* 3.69% $500.00
24 Month Share Certificate 3.65% APY* 3.5851% $500.00
30 Month Share Certificate 4.75% APY* 4.645% $500.00
36 Month Share Certificate 3.75% APY* 3.6816% $500.00
48 Month Share Certificate 3.85% APY* 3.7779% $500.00
60 Month Share Certificate 3.95% APY* 3.8742% $500.00

Description

A Certificate of Deposit (known as a Share Certificate at Credit Unions) is a safe and easy way to invest your money. Certificates are perfect for short- or long-term investments, and at PFCU, we have the right terms and rates for you.
The minimum balance required to open a Certificate is $500.00.

Disclaimers

*APY=Annual Percentage Yield. APYs are effective as of 2/21/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

*13-Month Share Certificate APYs are effective as of 5/31/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal.

*30-Month Share Certificate APYs are effective as of 5/31/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). On the maturity date, the certificate will automatically renew to a 24-month term at the rate in effect for that term at the time of renewal.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

IRA Certificate

Term of Account Annual Percentage Yield Dividend Rate Minimum Balance
12 Month IRA Share Certificate 3.75% APY* 3.69% $500.00
18 Month IRA Share Certificate 3.75% APY 3.69% $500.00
24 Month IRA Share Certificate 3.25% APY 3.1984% $500.00
36 Month IRA Share Certificate 3.45% APY 3.3920% $500.00
48 Month IRA Share Certificate 3.55% APY 3.4886% $500.00
60 Month IRA Share Certificate 3.65% APY 3.5851% $500.00

Description

Certificates are perfect for short- or long-term investments, and at PFCU, we have the right terms and rates for you.

Disclaimers

APY=Annual Percentage Yield. APYs are effective as of 2/21/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Vacation Club

Type Annual Percentage Yield Dividend Rate
Vacation Club (Min. $5.00) 0.030% APY* 0.030%

Description

We know how important it is to put money aside for vacations, holiday shopping, unexpected auto expenses, and more. That’s why we’ve created the Club Account, to help you save and grow the money you’ve already been setting aside.

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 3/4/22 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Holiday Club

Type Annual Percentage Yield Dividend Rate
Holiday Club (Min. $5.00) 0.030% APY* 0.030%

Description

We know how important it is to put money aside for vacations, holiday shopping, unexpected auto expenses, and more. That’s why we’ve created the Club Account, to help you save and grow the money you’ve already been setting aside.

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 3/4/22 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Auto

New Auto

Loan Type Maximum Terms APR* Action
New Vehicle (Car, Truck, Van) Up to 100% of purchase price, including sales tax Up to 36 months as low as 5.99% Apply Now
New Vehicle (Car, Truck, Van) Up to 100% of purchase price, including sales tax Up to 48 months as low as 6.24% Apply Now
New Vehicle (Car, Truck, Van) Up to 100% of purchase price, including sales tax Up to 60 months as low as 6.37% Apply Now
New Vehicle (Car, Truck, Van) Up to 100% of purchase price, including sales tax Up to 72 months as low as 7.00% Apply Now
New Vehicle (Car, Truck, Van) Up to 100% of purchase price, including sales tax Up to 84 months as low as 8.25% Apply Now
New Vehicle (Car, Truck, Van) Up to 100% of purchase price, including sales tax Up to 96 months as low as 8.75% Apply Now
New Motorcycle Up to 100% of purchase price, including sales tax Up to 36 months as low as 7.99% Apply Now
New Motorcycle Up to 100% of purchase price, including sales tax Up to 48 months as low as 8.115% Apply Now
New Motorcycle Up to 100% of purchase price, including sales tax Up to 60 months as low as 8.24% Apply Now

Description

From choosing your perfect car at the dealership or utilizing PFCU’s CarMatch, we are here to help you get in the driver’s seat. We want to make your next car-buying experience hassle-free and convenient.

Disclaimers

*APR=Annual Percentage Rate. **New vehicle loan, 6.37% APR for 60 months, $19.51 per month per $1,000 borrowed. Used vehicle loan 6.995% APR for 60 months, $19.80 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 4/08/24.
Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Different terms may be available for 10 model year vehicles.To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

First Time Auto Buying

*APR=Annual Percentage Rate. New or used vehicle loan, 7.00% APR for 60 months, $19.80 per $1,000 borrowed. The rates and terms of the offer are subject to change at any time. Program underwriting guidelines must be met for loan approval. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Contact the credit union for more details.

New Recreational Vehicles

Loan Type Maximum Terms APR* Action
New Boat Up to 80% of purchase price plus sales tax not to exceed $30,000 Up to 24 months as low as 7.99% Apply Now
New Boat Up to 80% of purchase price plus sales tax not to exceed $30,000 Up to 36 months as low as 8.115% Apply Now
New Boat Up to 80% of purchase price plus sales tax not to exceed $30,000 Up to 48 months as low as 8.25% Apply Now
New Boat Up to 80% of purchase price plus sales tax not to exceed $30,000 Up to 60 months as low as 8.365% Apply Now
New Motor Home (Self Driven or Towed) Up to 80% of purchase price sales tax not to exceed $50,000 Up to 24 months as low as 7.99% Apply Now
New Motor Home (Self Driven or Towed) Up to 80% of purchase price sales tax not to exceed $50,000 Up to 36 months as low as 8.115% Apply Now
New Motor Home (Self Driven or Towed) Up to 80% of purchase price sales tax not to exceed $50,000 Up to 48 months as low as 8.24% Apply Now
New Motor Home (Self Driven or Towed) Up to 80% of purchase price sales tax not to exceed $50,000 Up to 60 months as low as 8.365% Apply Now
New Motor Home (Self Driven or Towed) Up to 80% of purchase price sales tax not to exceed $50,000 Up to 120 months as low as 8.865% Apply Now

Description

Whether boating on Lake Hopatcong or planning a cross-country trip in a new or used RV, PFCU is here to help finance your next adventure.

Disclaimers

*APR=Annual Percentage Rate. **New recreational vehicle loan, 7.865% APR for 60 months, $20.22 per month per $1,000 borrowed. Used recreational vehicle loan 8.115% APR for 60 months, $20.34 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Recreational Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 6/13/23.

Actual rates may vary on Recreational Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Used Auto

Loan Type Maximum Terms APR* Action
Used Vehicle (Car, Truck, Van) Loan not to exceed J D Powers Clean Retail value sales tax Up to 36 months as low as 6.49% Apply Now
Used Vehicle (Car, Truck, Van) Loan not to exceed J D Powers Clean Retail value sales tax Up to 48 months as low as 6.74% Apply Now
Used Vehicle (Car, Truck, Van) Loan not to exceed J D Powers Clean Retail value sales tax Up to 60 months as low as 6.995% Apply Now
Used Vehicle (Car, Truck, Van) Loan not to exceed J D Powers Clean Retail value sales tax Up to 72 months as low as 7.25% Apply Now
Used Vehicle (Car, Truck, Van) Loan not to exceed J D Powers Clean Retail value sales tax Up to 84 months as low as 8.875% Apply Now
Used Motorcycle Loan not to exceed J D Powers Clean Retail value sales tax Up to 36 months as low as 8.24% Apply Now
Used Motorcycle Loan not to exceed J D Powers Clean Retail value sales tax Up to 48 months as low as 8.375% Apply Now
Used Motorcycle Loan not to exceed J D Powers Clean Retail value sales tax Up to 60 month as low as 8.50% Apply Now

Description

From choosing your perfect car at the dealership or utilizing PFCU’s CarMatch, we are here to help you get in the driver’s seat. We want to make your next car-buying experience hassle-free and convenient.

Disclaimers

*APR=Annual Percentage Rate. **New vehicle loan, 6.37% APR for 60 months, $19.51 per month per $1,000 borrowed. Used vehicle loan 6.995% APR for 60 months, $19.80 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 4/08/24.

Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Different terms may be available for 10 model year vehicles. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Used Recreational Vehicles

Loan Type Maximum Terms APR* Action
Used Boat Loan not to exceed NADA book average retail value sales tax Up to 24 months as low as 8.24% Apply Now
Used Boat Loan not to exceed NADA book average retail value sales tax Up to 36 months as low as 8.365% Apply Now
Used Boat Loan not to exceed NADA book average retail value sales tax Up to 48 months as low as 8.49% Apply Now
Used Boat Loan not to exceed NADA book average retail value sales tax Up to 60 months as low as 8.615% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 Up to 24 months as low as 8.24% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 Up to 36 months as low as 8.365% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 Up to 48 months as low as 8.49% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 Up to 60 months as low as 8.615% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 Up to 120 months as low as 9.115% Apply Now

Description

Whether boating on Lake Hopatcong or planning a cross-country trip in a new or used RV, PFCU is here to help finance your next adventure.

Disclaimers

*APR=Annual Percentage Rate. **New recreational vehicle loan, 7.865% APR for 60 months, $20.22 per month per $1,000 borrowed. Used recreational vehicle loan 8.115% APR for 60 months, $20.34 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Recreational Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 6/13/23.

Actual rates may vary on Recreational Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Mortgage/Home Equity Loans

Mortgages

Loan Type Term Rate APR* Action Disclosures
Fixed 10 years 5.750% 5.978% Apply Now
Fixed 15 years 5.875% 6.037% Apply Now
Fixed 20 years 6.375% 6.509% Apply Now
Fixed 30 years 6.875% 6.981% Apply Now
3/1 Year ARM 30 years 6.375% 7.762% Apply Now Consumer Handbook
5/1 Year ARM 30 years 6.625% 7.713% Apply Now Consumer Handbook
7/1 Year ARM 30 years 6.750% 7.682% Apply Now Consumer Handbook
10/1 Year ARM 30 years 6.875% 7.668% Apply Now Consumer Handbook

Description

Whether buying or refinancing, you can count on PFCU to be your home buying partner. We’re here to assist you in finding the right mortgage product and loan terms to meet your needs and budget.

Disclaimer

*Instant Decision not available for Home Equity or Mortgage Loans.

*APR= Annual Percentage Rate. +The Flat Fee Mortgage Program is available to borrowers purchasing or refinancing 1-4 family owner-occupied properties located in NJ, PA, DE, MD, DC, VA, NC, SC, GA, FL and is subject to change at any time. The $799 Flat Fee is non-refundable and payable upon return of the signed Initial Disclosure Package. Refinance and new purchase applicants will be responsible for interim interest, funding an escrow account for property taxes and insurance, and all title insurance costs and attorney fees. Home purchase applicants will also be responsible for survey costs, home inspection costs, and all settlement items between the applicant as buyer and seller for the purchase of applicant’s home. Maximum loan amount of $766,550 and the minimum loan amount is $50,000. LTVs up to 95%, conditions apply. Cash out refinances may be subject to different terms and/or restrictions. All applicants with a loan to value over 80% require Private Mortgage Insurance (PMI), which is funded by the applicant. Any member that has financed their mortgage with PFCU in the last twenty-four (24) months is not eligible for this program. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates, fees, and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.

*APR=Annual Percentage Rate. Loan Rates as of 2/21/24. Rates are subject to change at any time. The APR is calculated based on a loan amount of $100,000. Our minimum mortgage amount is $50,000.00 to a conforming maximum of $766,550 and $1,089,300 for high cost areas for single family residences.  Other terms available for two to four family units.  Speak with one of our Mortgage Loan Officers at (973) 361-5225 extension 157.

NMLS ID 402605

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Home Equity

Loan Type Min./Max. Term APR* Action Disclosures
Home Equity Fixed First Lien up to 80% LTV $15,000 Minimum/$350,000 Maximum 5 years as low as 6.75% Apply Now
Home Equity Fixed First Lien up to 80% LTV $15,000 Minimum/$350,000 Maximum 7 years as low as 7.00% Apply Now
Home Equity Fixed First Lien up to 80% LTV $15,000 Minimum/350,000 Maximum 10 years as low as 7.25% Apply Now
Home Equity Fixed First Lien up to 80% LTV $15,000 Minimum/$350,000 Maximum 15 years as low as 7.50% Apply Now
Home Equity Fixed First Lien up to 80% LTV $15,000 Minimum/$350,000 Maximum 20 years as low as 8.50% Apply Now
Home Equity Fixed Second Lien $15,000 Minimum/$350,000 Maximum 5 years as low as 7.00% Apply Now
Home Equity Fixed Second Lien $15,000 Minimum/$350,000 Maximum 7 years as low as 7.25% Apply Now
Home Equity Fixed Second Lien $15,000 Minimum/$350,000 Maximum 10 years as low as 7.50% Apply Now
Home Equity Fixed Second Lien $15,000 Minimum/$350,000 Maximum 15 years as low as 7.75% Apply Now
Home Equity Fixed Second Lien $15,000 Minimum/$350,000 Maximum 20 years as low as 8.75% Apply Now
HELOC First Lien $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV 30 years | 15 year draw down period as low as 8.25% Apply Now Informational Booklet Disclosure
HELOC Second Lien $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV 30 years | 15 year draw down period as low as 8.50% Apply Now Informational Booklet Disclosure

Description

Whether you’re looking to consolidate debt, pay for college tuition or remodel your kitchen, you can use the equity in your home to help finance the cost.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 10/31/23. The actual rate may vary based upon creditworthiness and underwriting policies. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.

**The APR for all Equity Lines of Credit may vary and is based on the U.S. prime rate as published in The Wall Street Journal. The minimum “floor” APR on all Equity Lines of Credit is 3.25% and the maximum APR that can apply is 18%. Introductory Rate of 1.99% for the first 6 months and adjusts to Prime + a margin after the introductory period. *Loan to value up to 80%. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

***Closing costs for the first $250,000 will be paid by Picatinny but must be repaid by the borrower(s) if the HELOC is closed within the first 12 months of account opening. These fees can be found on our Early Disclosure. Note: For LTV’s over 80% we have a limit of $250,000, have restrictions to DTI, min credit score, and are not eligible for the Introductory Rate.  Rates will vary for LTV over 80%. Max Line of $350,000, any loan size over $250k, the Applicant will be responsible for Title fees and Appraisal fees. Housing counseling agencies approved by the US Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website and enter your zip code. You can also access HUD’s housing counseling agency website. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).

Picatinny Federal Credit Union NMLS ID 402605

Personal

Personal Loans

Type of Loan Maximum Term APR* Action
Personal Total not to exceed $25,000 Up to 24 months as low as 9.24% Apply Now
Personal Total not to exceed $25,000 Up to 36 months as low as 10.49% Apply Now
Personal Total not to exceed $25,000 Up to 48 months as low as 11.49% Apply Now
Personal Total not to exceed $25,000 Up to 60 months as low as 12.49% Apply Now
Personal Total not to exceed $25,000 Up to 72 months as low as 13.49% Apply Now

Description

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.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 1/16/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Share Secured Loan Information

Type of Loan Maximum Term APR* Action
Share Secured Shares on Deposit Up to 120 months 3.00% above share rate dividend Apply Now

Description

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.

Disclaimers

*APY=Annual Percentage Yield. APYs are effective as of 3/18/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). Transaction limitations on savings/share account: During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Debt Consolidation Loan

Type of Loan Maximum Term APR* Action
Debt Consolidation Total not to exceed $40,000 Up to 24 months as low as 9.74% Apply Now
Debt Consolidation Total not to exceed $40,000 Up to 36 months as low as 10.99% Apply Now
Debt Consolidation Total not to exceed $40,000 Up to 48 months as low as 11.99% Apply Now
Debt Consolidation Total not to exceed $40,000 Up to 60 months as low as 12.99% Apply Now
Debt Consolidation Total not to exceed $40,000 Up to 72 months as low as 14.74% Apply Now
Debt Consolidation Total not to exceed $40,000 Up to 84 months as low as 15.24% Apply Now
Debt Consolidation Total not to exceed $40,000 Up to 96 months as low as 15.74% Apply Now
Debt Consolidation Total not to exceed $40,000 Up to 120 months as low as 16.74% Apply Now

Description

We understand that each of our member’s lives are different, with their own personal and financial situation. At Picatinny, we have debt consolidation loans to meet the needs of our individual members.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 4/22/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Short Term Loan

Type APR* Action
Short Term Loan as low as 11.5% Apply Now

Description

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.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 6/13/23. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Unsecured Line of Credit (Overdraft)

Type APR* Action
Unsecured Line of Credit (Overdraft) as low as 12.99% Apply Now

Description

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.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 6/13/23. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Premium Rewards Visa Credit Card

Type APR* Action
Premium Rewards Visa Credit Card as low as 16.99% Apply Now

Description

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.

Disclaimers

*APR=Annual Percentage Rate. Loan Rates as of 7/27/23. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

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