Credit union · NCUA insured
Picatinny Federal Credit Union Credit Card Rates
Picatinny Federal Credit Union credit cards start at 15.24% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Picatinny Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Picatinny Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Picatinny Federal Credit Union
15.24%APR
- Up to
- 18.00% APR
Premium Rewards Credit Card
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
Picatinny Federal Credit Union credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR15.24%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Premium Rewards Credit Card
Applicants subject to credit approval and PFCU underwriting guidelines. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. No balance transfer charge. Variable rate based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR on new purchases for the first 12 months (12 billing cycles) for new cardholders. Offer is for new cards only. Does not include cash advances or ATM withdrawals. |
| Ongoing | 15.24%–18.00% | None | Standard variable APR after the first 12 billing cycles based on underwriting guidelines, creditworthiness, and Prime Rate. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on new purchases for 12 billing cycles for new cardholders. Offer is for new cards only. Does not include cash advances or ATM withdrawals. |
| Ongoing | 15.49%–18.00% | None | Variable APR as low as 15.49% (15.49% - 18.00% after 12 billing cycles) based on PFCU underwriting guidelines, creditworthiness, and Prime Rate. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.