Mortgages
| Loan Type | Per $100,000 borrowed | Per $1,000 borrowed |
|---|---|---|
| 10 year fixed rate 5.250%* | $1,072.92 per month | $10.73 per month |
| 15 year fixed rate 5.375%* | $810.47 per month | $8.10 per month |
| 20 year fixed rate 5.750%* | $702.08 per month | $7.02 per month |
| 30 year fixed rate 6.000%* | $599.55 per month | $6.00 per month |
| 3/1 ARM | $611.04 per month | $6.11 per month |
| 5/1 ARM | $612.47 per month | $6.12 per month |
| 7/1 ARM | $614.35 per month | $6.14 per month |
| 10/1 ARM | $618.13 per month | $6.18 per month |
*The payment calculations are estimated monthly Principal and Interest (P&I) payment and that it excludes taxes, hazard insurance and flood insurance if applicable, actual payment will be higher. Payment Example, Rate, and Payment Assumptions. The Interest Rate, APR, and Estimated Monthly Payment assumes a $100,000 loan amount, property is an existing single-family home used as the borrower’s primary residence in New Jersey, a Loan to Value (LTV) ratio of 80% or less on a purchase or refinance mortgage, a rate lock of 60 days, and a credit score of 780 or above. The Estimated Monthly Payment reflects the principal and interest payment only, which does not include amounts for taxes, nor insurance (actual payments will be greater). The amount of each payment will apply over the term of the loan.
Home Equity
| Home Equity Loan | Per $15,000 Borrowed | Per $1,000 Borrowed |
|---|---|---|
| 6.75% APR* for 60 months | $295.25 per month | $19.68 per month |
| 7.00% APR* for 84 months | $226.39 per month | $15.09 per month |
| 7.25% APR* for 120 months | $176.10 per month | $11.74 per month |
| 7.50% APR for 180 months | $139.05 per month | $9.27 per month |
| 8.50% APR* for 240 months | $130.17 per month | $8.68 per month |
*APR=Annual Percentage Rate. Loan Rates as of 12/11/25. 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 3.99% for the first 6 months and adjusts to Prime + a margin after the introductory period that ranges from -0.25% to 0.375%. The margin varies depending on individual credit qualifications, credit limit amount, loan to value ratio and other criteria that may apply. The variable APR is based on the Prime Rate (as published in the Wall Street Journal), which as of 12/11/2025, is at 6.75%. The maximum term of a HELOC is 30 years which consists of a 15-year draw period followed by a 15-year repayment 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 $249,900 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 $249,900, the Applicant will be responsible for Title fees and Review Attorney 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).
Homeowners’ insurance is required. Flood insurance is required where necessary.
PFCU does not provide tax, legal or investing advice.
Picatinny Federal Credit Union NMLS ID 402605
New Auto
| New Vehicle Loan | Per $15,000 Borrowed | Per $1,000 Borrowed |
|---|---|---|
| as low as 4.99% APR* for 36 months | $449.50 per month | $29.97 per month |
| as low as 5.24% APR* for 48 months | $347.07 per month | $23.14 per month |
| as low as 5.37% APR* for 60 months | $285.62 per month | $19.04 per month |
| as low as 6.00% APR* for 72 months | $248.59 per month | $16.57 per month |
*APR=Annual Percentage Rate. **New vehicle loan, 5.37% APR for 60 months, $19.04 per month per $1,000 borrowed. Used vehicle loan 6.245% APR for 60 months, $19.45 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 6/2/25.
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.
*Offer valid for a limited time and subject to change without notice. To qualify for the 0.25% APR discount, you must set up automatic payments from a Picatinny Federal Credit Union savings or checking account at the time of loan origination. All loans are subject to credit approval and membership eligibility. Rates, terms, and conditions may vary based on creditworthiness and other factors. Additional restrictions may apply. Contact Picatinny Federal Credit Union for complete details.
*Rates include 0.25% reduction off the standard auto loan interest rate with automatic payments made from your Picatinny Federal Credit Union account. The rate without automatic payments will be higher.
First Time Auto Buying
*APR=Annual Percentage Rate. New or used vehicle loan, 6.25% APR for 60 months, $19.45 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.
Used Auto
| Used Vehicle Loan | Per $15,000 Borrowed | Per $1,000 Borrowed |
|---|---|---|
| as low as 5.74% APR* for 36 months | $454.56 per month | $30.30 per month |
| as low as 5.99% APR* for 48 months | $352.21 per month | $23.48 per month |
| as low as 6.245% APR* for 60 months | $291.70 per month | $19.45 per month |
| as low as 6.50% APR* for 72 months | $252.15 per month | $16.81 per month |
*APR=Annual Percentage Rate. **New vehicle loan, 5.37% APR for 60 months, $19.04 per month per $1,000 borrowed. Used vehicle loan 6.245% APR for 60 months, $19.45 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 6/2/25.
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.
*Offer valid for a limited time and subject to change without notice. To qualify for the 0.25% APR discount, you must set up automatic payments from a Picatinny Federal Credit Union savings or checking account at the time of loan origination. All loans are subject to credit approval and membership eligibility. Rates, terms, and conditions may vary based on creditworthiness and other factors. Additional restrictions may apply. Contact Picatinny Federal Credit Union for complete details.
*Rates include 0.25% reduction off the standard auto loan interest rate with automatic payments made from your Picatinny Federal Credit Union account. The rate without automatic payments will be higher.
First Time Auto Buying
*APR=Annual Percentage Rate. New or used vehicle loan, 6.25% APR for 60 months, $19.45 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.
Personal Loans
| Personal Loan | Per $15,000 Borrowed | Per $1,000 Borrowed |
|---|---|---|
| As low as 8.99% APR* for 24 months | $685.20 per month | $45.68 per month |
| As low as 10.24% APR* for 36 months | $485.70 per month | $32.38 per month |
| As low as 11.24% APR* for 48 months | $389.43 per month | $25.96 per month |
| As low as 12.24% APR* for 60 months | $335.49 per month | $22.37 per month |
| As low as 13.24% APR* for 72 months | $303.01 per month | $20.20 per month |
*APR=Annual Percentage Rate. Loan Rates as of 6/2/25. 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.
*Offer valid for a limited time and subject to change without notice. To qualify for the 0.25% APR discount, you must set up automatic payments from a Picatinny Federal Credit Union savings or checking account at the time of loan origination. All loans are subject to credit approval and membership eligibility. Rates, terms, and conditions may vary based on creditworthiness and other factors. Additional restrictions may apply. Contact Picatinny Federal Credit Union for complete details.
*Rates include 0.25% reduction off the standard auto loan interest rate with automatic payments made from your Picatinny Federal Credit Union account. The rate without automatic payments will be higher.
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.