What are the current interest rates at Picatinny Federal Credit Union?

Current rates for Picatinny Federal Credit Union include: 12-Month CD: 3.61%, 18-Month CD: 3.66%, 24-Month CD: 3.56%, 60-Month CD: 3.56%, MMA: 0.15%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Picatinny Federal Credit Union

iAdvertiser Disclosure

Picatinny Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Picatinny Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

Picatinny Federal Credit Union's 18 month IRA CD rates are at 3.66%, 18 month CD rates are at 3.66%, 12 month IRA CD rates are at 3.61%, 12 month CD rates are at 3.61%, 24 month IRA CD rates are at 3.56%. Picatinny Federal Credit Union's money market rates are at 0.15%. Picatinny Federal Credit Union's 3/1 Year ARM rates are at 5.62%, 5/1 Year ARM rates are at 5.88%, 7/1 Year ARM rates are at 6.00%, 10/1 Year ARM rates are at 6.12%. Picatinny Federal Credit Union's Personal Loan Rates are as low as 8.99%. Picatinny Federal Credit Union's Credit Card Rates are at 15.24%. MonitorBankRates evaluates the financial stability of Picatinny Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.77%. Rates last updated and verified on 09/16/2026.

Picatinny Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Picatinny Federal Credit Union? Share your experience about Picatinny Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Picatinny Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.77%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Picatinny Federal Credit Union
Rockaway Office

100 Mineral Springs RD
Dover, NJ 07801

https://www.picacreditunion.com

Picatinny Federal Credit Union CD Rates

Product	Rate	APY	Term
18 month IRA share certificate	3.60%	3.66%	18 months
Min Deposit $500 Details APYs are effective as of 2/4/26 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18 month share certificate	3.60%	3.66%	18 months
Min Deposit $500 Details APYs are effective as of 7/1/26 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). 18-Month Share Certificate APYs are effective as of 7/1/26. 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). 24-Month Share Certificate APYs are effective as of 7/1/26. 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12 month IRA share certificate	3.55%	3.61%	12 months
Min Deposit $500 Details APYs are effective as of 2/4/26 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
12 month share certificate	3.55%	3.61%	12 months
Min Deposit $500 Details APYs are effective as of 7/1/26 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). 18-Month Share Certificate APYs are effective as of 7/1/26. 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). 24-Month Share Certificate APYs are effective as of 7/1/26. 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24 month IRA share certificate	3.50%	3.56%	24 months
Min Deposit $500 Details APYs are effective as of 2/4/26 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
24 month share certificate	3.50%	3.56%	24 months
Min Deposit $500 Details APYs are effective as of 7/1/26 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). 18-Month Share Certificate APYs are effective as of 7/1/26. 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). 24-Month Share Certificate APYs are effective as of 7/1/26. 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36 month IRA share certificate	3.50%	3.56%	36 months
Min Deposit $500 Details APYs are effective as of 2/4/26 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
36 month share certificate	3.50%	3.56%	36 months
Min Deposit $500 Details APYs are effective as of 7/1/26 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). 18-Month Share Certificate APYs are effective as of 7/1/26. 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). 24-Month Share Certificate APYs are effective as of 7/1/26. 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48 month IRA share certificate	3.50%	3.56%	48 months
Min Deposit $500 Details APYs are effective as of 2/4/26 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
48 month share certificate	3.50%	3.56%	48 months
Min Deposit $500 Details APYs are effective as of 7/1/26 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). 18-Month Share Certificate APYs are effective as of 7/1/26. 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). 24-Month Share Certificate APYs are effective as of 7/1/26. 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60 month IRA share certificate	3.50%	3.56%	60 months
Min Deposit $500 Details APYs are effective as of 2/4/26 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
60 month share certificate	3.50%	3.56%	60 months
Min Deposit $500 Details APYs are effective as of 7/1/26 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). 18-Month Share Certificate APYs are effective as of 7/1/26. 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). 24-Month Share Certificate APYs are effective as of 7/1/26. 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
6 month share certificate	3.44%	3.50%	6 months
Min Deposit $500 Details APYs are effective as of 7/1/26 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). 18-Month Share Certificate APYs are effective as of 7/1/26. 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). 24-Month Share Certificate APYs are effective as of 7/1/26. 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). *Early withdrawal penalties apply. See the certificate disclosure . 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Picatinny Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 and over. APYs are effective as of 6/1/25 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Money Market	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000-$9,999.99. APYs are effective as of 6/1/25 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Picatinny Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3/1 Year ARM	5.63%	-	6.18%	30 years
Details Consumer Handbook; Disclosures Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
5/1 Year ARM	5.88%	-	6.20%	30 years
Details Consumer Handbook; Disclosures Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
7/1 Year ARM	6.00%	-	6.23%	30 years
Details Consumer Handbook; Disclosures Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
10/1 Year ARM	6.13%	-	6.29%	30 years
Details Consumer Handbook; Disclosures Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Picatinny Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC First Lien	-	-	6.50%	30 years
Details Term: 30 years \| 15 year draw down period \| 15 year repayment period; Min./Max.: $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Home Equity HELOC	-	-	6.50%
Details As Low As; For current APY click the link to visit our rates page. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
HELOC Second Lien	-	-	6.75%	30 years
Details Term: 30 years \| 15 year draw down period \| 15 year repayment period; Min./Max.: $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
HELOC LTV/CLTV >80%	-	-	8.00%	30 years
Details Term: 30 years/15 year draw down period followed by 15 year repayment period; Min./Max.: $20,000 minimum/$250,000 maximum; LTV/CLTV>80% to 100%; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Picatinny Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.99%
Details As Low As; For current APY click the link to visit our rates page. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Vehicle (car, truck, van) Loan	-	-	4.99%	up to 36 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Vehicle Loan	-	-	4.99%
Details As Low As; Rates and terms are subject to change. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Vehicle (car, truck, van) Loan	-	-	5.00%	up to 48 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Vehicle (car, truck, van) Loan	-	-	5.25%	up to 60 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Vehicle (car, truck, van) Loan	-	-	5.50%	up to 48 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Auto	-	-	5.74%
Details As Low As; For current APY click the link to visit our rates page. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Vehicle (car, truck, van) Loan	-	-	5.74%	up to 36 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Vehicle (car, truck, van) Loan	-	-	5.75%	up to 60 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Vehicle (car, truck, van) Loan	-	-	6.00%	up to 72 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Vehicle (car, truck, van) Loan	-	-	6.50%	up to 72 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Vehicle (car, truck, van) Loan	-	-	7.25%	up to 84 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Vehicle (car, truck, van) Loan	-	-	7.75%	up to 96 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Vehicle (car, truck, van) Loan	-	-	8.00%	up to 84 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Picatinny Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	7.74%	up to 36 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Motorcycle Loan	-	7.87%	up to 48 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
New Motorcycle Loan	-	7.99%	up to 60 months
Details Maximum: up to 100% of purchase price, including sales tax; As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Motorcycle Loan	-	7.99%	up to 36 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Motorcycle Loan	-	8.13%	up to 48 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Used Motorcycle Loan	-	8.25%	up to 60 months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Picatinny Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Cards	-	15.24%
Details As Low As; For current APY click the link to visit our rates page. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Premium Rewards Credit Card	-	15.24%
Details Intro APR: 0% for 12 months; Intro rate expires: 12 months; Regular APR: 15.24% - 18.00% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Premium Rewards Visa Credit Card	-	15.24%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Premium Rewards Visa Credit Card	-	15.74%
Details Intro APR: 0%; Intro rate expires: 12 billing cycles; Regular APR: 15.74% - 18.00%. Loan Rates as of 9/18/25. 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 is for new cards only. The variable rate will be based on PFCU's underwriting guidelines and your creditworthiness. The APR will vary with the market and is based on the Prime Rate. uChoose Rewards Points will be earned starting with the first purchase you make with the Premium Rewards card. Rewards points will only be earned on purchases and not balance transfers or cash advances. This offer does not include cash advances, balance transfers or ATM withdrawals. 20,000 uChoose Rewards points will only be appli Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Picatinny Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.99%	up to 24 months
Details total not to exceed $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Debt Consolidation Loan	9.49%	Up to 24 months
Details total not to exceed $40,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Personal Loan	10.24%	up to 36 months
Details total not to exceed $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Debt Consolidation Loan	10.74%	up to 36 months
Details total not to exceed $40,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Personal Loan	11.24%	up to 48 months
Details total not to exceed $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Debt Consolidation Loan	11.74%	up to 48 months
Details total not to exceed $40,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Personal Loan	12.24%	up to 60 months
Details total not to exceed $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Debt Consolidation Loan	12.74%	up to 60 months
Details total not to exceed $40,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Personal Loan	13.24%	up to 72 months
Details total not to exceed $25,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Debt Consolidation Loan	14.49%	up to 72 months
Details total not to exceed $40,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Debt Consolidation Loan	14.99%	up to 84 months
Details total not to exceed $40,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Debt Consolidation Loan	15.49%	up to 96 months
Details total not to exceed $40,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Debt Consolidation Loan	16.49%	up to 120 months
Details total not to exceed $40,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Picatinny Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
First Time Buyers Program Loan	-	-	6.25%	36, 48 or 60 months
Details Maximum loan is $25,000; Available for the purchase of new or pre-owned vehicles (financing only available for vehicles up to 10 years old); Rates and terms are subject to change. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Fixed	5.75%	-	6.07%	10 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Fixed	5.88%	-	6.11%	15 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Fixed	6.25%	-	6.44%	20 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Fixed	6.50%	-	6.65%	30 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Fixed	5.63%	1.000	6.16%	10 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Fixed	5.75%	1.000	6.13%	15 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Fixed	6.13%	1.000	6.44%	20 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Fixed	6.38%	1.000	6.61%	30 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Short Term Loan	-	-	11.50%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Special Occasion	0.03%	-	0.03%
Min Deposit $5 Details APYs are effective as of 6/1/25 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Picatinny Federal Credit Union’s Texas Ratio stayed near 1.73% in Q2 2023 to 1.77% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$454M	1.77%	5.0	A+
December 31, 2025	$465M	3.93%	5.0	A+
September 30, 2025	$463M	2.60%	5.0	A+
June 30, 2025	$449M	4.22%	5.0	A+
March 31, 2025	$476M	4.94%	5.0	A+
December 31, 2024	$447M	4.80%	5.0	A+
September 30, 2024	$442M	4.29%	5.0	A+
June 30, 2024	$443M	2.63%	5.0	A+
March 31, 2024	$458M	3.33%	5.0	A+
December 31, 2023	$463M	3.20%	5.0	A+
September 30, 2023	$459M	2.26%	5.0	A+
June 30, 2023	$451M	1.73%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Picatinny Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Picatinny Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Picatinny Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Picatinny Federal Credit Union

Website https://www.picacreditunion.com

Address 100 Mineral Springs RD, Dover, NJ 07801

Phone 973-361-5225

Fax 973-361-8850

President Joe Shiposh

CEO Rob Albrecht

Full-Time Employees 62

Part-Time Employees 0

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.77%

Return on Assets (ROA)

0.1340%

Return on Equity (ROE)

1.4259%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

454,407,247

Total Amount of Shares and Deposits

402,826,143

Total Shares and Deposits < 1 Year

381,163,226

Total Shares and Deposits 1 3 Years

19,126,264

Total Shares and Deposits > 3 Years

2,536,653

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

33,332,492

Total Uninsured Shares and Deposits > $250K (F+J)

33,332,492

Total Insured Shares and Deposits > $250K (item 17 less item K)

369,493,651

Total Interest Expense (Sum of items 6 8)

952,864

Share Certificates

2,454

Number of Accounts for Share Drafts

12,565

IRA KEOGH Accounts

730

Number of Accounts for Regular Shares

20,659

Money Market Shares

374

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

90,836,090

Total Liabilities

412,828,404

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Picatinny Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/picatinny-federal-credit-union-rates-review-3291">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Picatinny Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Picatinny Federal Credit Union

Frequently Asked Questions About Picatinny Federal Credit Union

How many branches does Picatinny Federal Credit Union operate?

Picatinny Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Picatinny Federal Credit Union?

Yes, to access services at Picatinny Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Picatinny Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Picatinny Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Picatinny Federal Credit Union offer online and mobile banking?

Most modern institutions like Picatinny Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.picacreditunion.com.

Current Picatinny Federal Credit Union Rates

12-Month CD3.61%
18-Month CD3.66%
24-Month CD3.56%
60-Month CD3.56%
MMA0.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Picatinny Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Picatinny Federal Credit Union Texas Ratio

Picatinny Federal Credit Union Health Trend

Picatinny Federal Credit Union CD Rates

Picatinny Federal Credit Union Money Market Rates

Picatinny Federal Credit Union Mortgage Rates

Picatinny Federal Credit Union Home Equity & HELOC

Picatinny Federal Credit Union Auto Loan Rates

Picatinny Federal Credit Union RV, Boat and Powersport Loan Rates

Picatinny Federal Credit Union Credit Card Rates

Picatinny Federal Credit Union Personal Loan Rates

Picatinny Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Picatinny Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Picatinny Federal Credit Union

How many branches does Picatinny Federal Credit Union operate?

Is a member application needed to join Picatinny Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Picatinny Federal Credit Union offer online and mobile banking?

Current Picatinny Federal Credit Union Rates

Compare to Other Credit Unions