Loan Rates Loans for all your financial needs

Whether it’s debt consolidation, home improvement, a new or used vehicle or unexpected expenses, we have the right loan for your situation and can help. You can apply online today and receive an instant decision*. With our wide variety of loan products, Picatinny has an option just right for your needs.

 

Credit Cards

CardCredit LineAPR* PurchasesAPR Cash AdvancesAnnual FeeAction

* APR=Annual Percentage Rate. 0% APR on new purchases and balance transfers for 12 months from issuance of the card. After that, your APR for the Premium Rewards Card for purchases and balance transfers will be 13.24%-18.00% and the APR for the Personal Choice Card will be 9.24%-15.24%. The APR for cash advances will remain at 10.24%-18.00%. Your variable rate will be based on your credit worthiness. This APR will vary with the market based on Prime Rate. uChoose Points will be earned on purchases, not balance transfers and cash advances. Visa application must be completed by the member and approval will be based on PFCU underwriting guidelines. All offers and terms are subject to change at any time. New members must open a savings account with a minimum deposit of $5 to begin their credit union relationship and take advantage of this offer.

Loan Rates as of 04/01/18.

Not responsible for typographical errors.

Visa Premium Rewards$500-$15,0000.00% Introductory APR14.24%-18.00%None $0 Apply
Visa Personal Choice$500-$15,0000.00% Introductory APR10.24%-16.24%None $0 Apply

Consumer Loans

Type of LoanMaximumTermsAPR*Action

* APR=Annual Percentage Rate. Loan Rates as of 04/01/18.
Actual rates may vary on Personal 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, you must open a savings account with a minimum deposit of $5.00.
Not responsible for typographical errors.

Overdraft ProtectionLoan up to $3,000Not to exceed 24 Months from last overdraft10.99% Apply
Share SecuredShares on DepositUp to 60 Months2.00% above share dividend rate Apply
PersonalTotal not to exceed $15,000Up to 36 Monthsas low as 7.99% Apply
Total not to exceed $15,00037-60 Monthsas low as 9.99% Apply
Personal Loan Payment Example:
As low as 9.99% APR for 60 months
Per $15,000 borrowed
$318.76 per month
Per $1000 borrowed
$21.26 per month

Vehicle Loans

Type of LoanMaximumTermsAPR*Action

* APR=Annual Percentage Rate. Loan Rates as of 04/01/18.
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.
To qualify for membership, you must open a savings account with a minimum deposit of $5.00.
Vehicle financing is available for used vehicles up to 10 years old. The maximum term for used vehicles 8 to 10 years old is 60 months.
Not responsible for typographical errors.

New Vehicle (Car, Truck, Van)100% of purchase price, including sales tax48 Monthsas low as 2.74% Apply
100% of purchase price, including sales tax60 Monthsas low as 2.99% Apply
Used Vehicle (Car, Truck, Van)Loan not to exceed NADA book retail value48 Monthsas low as 2.99% Apply
Loan not to exceed NADA book retail value60 Monthsas low as 3.24% Apply
New Motorcycle100% of purchase price, including sales tax36 Months5.99% Apply
100% of purchase price, including sales tax60 Months5.99% Apply
Used MotorcycleLoan not to exceed NADA book retail value36 Months6.24% Apply
New Vehicle Loan Payment Example:
As low as 2.99% APR for 60 months.

See All Payment Examples

Per $15,000 borrowed
$269.62 per month
Per $1,000 borrowed
$17.98 per month

Recreational Vehicle Loans

Type of LoanMaximumTermsAPR*Action

* APR=Annual Percentage Rate. Loan Rates as of 04/01/18.
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, you must open a savings account with a minimum deposit of $5.00.
Not responsible for typographical errors.

New Boat80% of purchase price plus sales tax not to exceed $50,000Up to 24 Monthsas low as 5.99% Apply
80% of purchase price plus sales tax not to exceed $50,000Up to 60 Monthsas low as 5.99% Apply
Used BoatLoan not to exceed NADA book retail value plus sales taxUp to 24 Monthsas low as 6.24% Apply
Loan not to exceed NADA book retail value plus sales taxUp to 60 Monthsas low as 6.24% Apply
New Motor Home (Self Driven or Towed)80% of purchase price sales tax not to exceed $50,00024 Months5.99% Apply
80% of purchase price sales tax not to exceed $50,00060 Months5.99% Apply
Used Motor Home (Self Driven or Towed)Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $5000024 Months6.24.% Apply
Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $5000060 Months6.24% Apply
Recreational Vehicle Loan Payment Example:
As low as 5.99% APR for 60 months
See All Payment Examples
Per $15,000 borrowed $290.10 per monthPer $1000 borrowed $19.34 per month Apply

Home Equity Loans

Type of LoanMinimumMaximumTermsAPR*Action

* APR=Annual Percentage Rate. Loan Rates as of 04/01/18. 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 The Wall Street Journal. The minimum "floor" APR on all Equity Lines of Credit is 4.00% and the maximum APR that can apply is 18%

Not responsible for typographical errors.


NMLS ID 402605

Home Equity Loan, Fixed Rate$15,000 Minimum$250,000 Maximum5 Years4.25% Apply
PFCU Flex - Line Of Credit**$20,000 Minimum$250,000 Maximum30 YearsPrime Rate: 4.75% Apply
Home Equity Loan - Prime LOC**$20,000 Minimum$250,000 Maximum15 YearsPrime Rate: 4.75% Apply
Home Equity Loan Payment Example:
As low as 4.75% APR for 120 months
See All Payment Examples
Per $15,000 borrowed
$157.36 per month
Per $1000 borrowed
$10.50 per month

Mortgages

View Today’s Mortgage Rates »

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