Mortgages
| Loan Type | Per $100,000 borrowed | Per $1,000 borrowed |
|---|---|---|
| 10 year fixed rate 5.00%* | $1,060.66 per month | $10.61 per month |
| 15 year fixed rate 5.125%* | $797.32 per month | $7.97 per month |
| 20 year fixed rate 5.50%* | $687.89 per month | $6.88 per month |
| 30 year fixed rate 5.75%* | $583.57 per month | $5.84 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.
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 5.00% APR* for 48 months | $345.44 per month | $23.03 per month |
| as low as 5.25% APR* for 60 months | $284.79 per month | $18.99 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, 5.25% APR for 60 months, $18.99 per month per $1,000 borrowed. Used vehicle loan 5.75% APR for 60 months, $19.22 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 3/4/26.
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 5.50% APR* for 48 months | $351.24 per month | $23.42 per month |
| as low as 5.75% APR* for 60 months | $288.25 per month | $19.22 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, 5.25% APR for 60 months, $18.99 per month per $1,000 borrowed. Used vehicle loan 5.75% APR for 60 months, $19.22 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 3/4/26.
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.