A personal loan from Picatinny Federal Credit Union can help you achieve your financial goals faster. Consolidate high-interest debt, finance a large purchase, or pay for an unexpected life event. Because we’re member-owned and led, we can offer lower interest rates, better loan terms, and more convenience. We understand that each of our member’s lives - and financial situations – are different and we’ll work with you to personalize a loan to fit your unique financial needs.
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Picatinny Federal Credit Union offers our members great rates and fast approval on a loan that fits your budget.
- Before you apply, be sure to unfreeze your credit history to ensure a faster and smoother application process.
Picatinny
Share Secured Loan
Looking for a low-risk loan? A Share Secured Loan is secured with money from your Picatinny Federal Credit Union savings account. You’ll continue to receive interest on the money in your savings account, while building credit as you repay the loan.
- Funds in savings accounts are used to secure the loan — as the loan is paid down, funds in the savings account become available to use.
- Share rate* plus 3.00%
- Terms up to 120 months; determined by the loan amount
Picatinny
Unsecured Personal Loan
Unsecured Personal Loans require no collateral. You can access funds quickly with maximum flexibility.
- Borrow up to $25,000
- Terms available up to 72 months
- Low interest rates and payments
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Short Term Loan
Emergencies and unforeseen expenses can derail your financial goals. A Short Term Loan helps you get by when cash is tight.
- Loan amounts up to $3,000
- Terms available up to 36 months
- Rebuild your credit
- Lower fixed APR
Picatinny
Debt Consolidation Loan
A Debt Consolidation Loan can be a great option for consolidating high-interest credit card or unsecured debt into one manageable payment without collateral. Debt consolidation may help you:
- Lower your interest rate and monthly payments
- Save money by paying off your loan sooner or for less interest
- Lower your payments by extending the length of your loan
- Save time with fewer bills to pay
- Apply the money you save to other things or to pay off debt sooner
- Improve your credit score
Picatinny
Unsecured Line of Credit
(Overdraft Protection)
An Unsecured Line of Credit provides overdraft protection for your Picatinny Federal Credit Union checking account and serves as a personal line of credit if you need it.
- Payments calculated at 2% of the balance
- Fixed interest rate
Resources
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Personal loan disclosures:
Personal Loans: * APR=Annual Percentage Rate. Loan Rates as of 1/16/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates 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.
Share Secured: * 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.
Not responsible for typographical errors.
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.