Credit union · NCUA insured
Picatinny Federal Credit Union Auto Loan Rates
Picatinny Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Picatinny Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Picatinny Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Picatinny Federal Credit Union
5.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicle (car, truck, van)
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Picatinny Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Picatinny Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
First Time Auto Buyer
Helps individuals with little or no credit history. Available for purchase of new or pre-owned vehicles up to 10 years old. Maximum loan amount is $25,000. Must open a savings account with a minimum deposit of $5.00 for membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | 6.25% APR for up to 60 months (flexible terms of 36, 48, or 60 months). Payment example: $19.45 per $1,000 borrowed. Available for new or used vehicles up to 10 years old. Maximum loan is $25,000. |
New Motorcycle
Maximum up to 100% of purchase price, including sales tax. Must open a savings account with a minimum deposit of $5.00 for membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.74% | Advertised as low as 7.74% APR. |
| up to 48 months | 7.87% | Advertised as low as 7.865% APR. |
| up to 60 months | 7.99% | Advertised as low as 7.99% APR. |
Sources (1)
- picacreditunion.com/rates · captured Oct 15, 2026
New Vehicle (car, truck, van)
Maximum up to 100% of purchase price, including sales tax. Rates include a 0.25% reduction off the standard auto loan interest rate with automatic payments made from a Picatinny FCU savings or checking account at origination; rate without autopay will be higher. Must open a savings account with a minimum deposit of $5.00 for membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Advertised as low as 4.99% APR. Includes 0.25% autopay discount. |
| up to 48 months | 5.00% | Advertised as low as 5.00% APR. Includes 0.25% autopay discount. |
| up to 60 months | 5.25% | Advertised as low as 5.25% APR. Example monthly payment: $18.99 per month per $1,000 borrowed at 5.25% APR for 60 months. Includes 0.25% autopay discount. |
| up to 72 months | 5.50% | Advertised as low as 5.50% APR. Includes 0.25% autopay discount. |
| up to 84 months | 5.88% | Advertised as low as 5.875% APR. Includes 0.25% autopay discount. |
| up to 96 months | 6.75% | Advertised as low as 6.75% APR. Includes 0.25% autopay discount. |
Sources (1)
- picacreditunion.com/rates · captured Oct 15, 2026
Used Motorcycle
Loan not to exceed J D Powers Clean Retail value sales tax. Must open a savings account with a minimum deposit of $5.00 for membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.99% | Advertised as low as 7.99% APR. |
| up to 48 months | 8.13% | Advertised as low as 8.125% APR. |
| up to 60 months | 8.25% | Advertised as low as 8.25% APR. |
Sources (1)
- picacreditunion.com/rates · captured Oct 15, 2026
Used Vehicle (car, truck, van)
Loan not to exceed J D Powers Clean Retail value sales tax. Rates include a 0.25% reduction off the standard auto loan interest rate with automatic payments made from a Picatinny FCU savings or checking account at origination; rate without autopay will be higher. Must open a savings account with a minimum deposit of $5.00 for membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | Advertised as low as 5.74% APR. Includes 0.25% autopay discount. |
| up to 48 months | 5.50% | Advertised as low as 5.50% APR. Includes 0.25% autopay discount. |
| up to 60 months | 5.75% | Advertised as low as 5.75% APR. Example monthly payment: $19.22 per month per $1,000 borrowed at 5.75% APR for 60 months. Includes 0.25% autopay discount. |
| up to 72 months | 5.88% | Advertised as low as 5.875% APR. Includes 0.25% autopay discount. |
| up to 84 months | 6.25% | Advertised as low as 6.25% APR. Includes 0.25% autopay discount. |
Sources (1)
- picacreditunion.com/rates · captured Oct 15, 2026
Who can join Picatinny Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or go to school in Morris, Essex, Somerset, and Union counties.
Family and household
- Immediate family members of members are eligible to join regardless of where they live or work.
Cost to join
- Joining requires opening a savings account with a minimum deposit of $5.
Membership information collected October 5, 2026.