Picatinny Credit Union Dover NJ | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Picatinny, your trusted financial partner located at 100 Mineral Springs Rd, Dover, NJ 07801. Established in 1939, we have been dedicated to serving our community for over eight decades, building strong relationships and providing valuable financial services to our 19,783 members. With total assets reaching an impressive $442,379,229, we pride ourselves on our stability and commitment to helping you achieve your financial goals. At Picatinny, we understand that every member is unique. That's why we offer a wide range of services tailored just for you from personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our team of 60 dedicated employees, led by CEO Rob Albrecht and Board President Joe Shiposh, is here to ensure you receive personalized support every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 100 Mineral Springs RD, Dover, NJ 7801. Whether you're looking for a loan or want to explore how we can help with your business banking needs, we invite you to reach out. You can contact us at 973-361-5225 or visit our website at www.picacreditunion.com for more information. Join us today and experience the Picatinny difference a credit union built on trust, transparency, and a genuine commitment to improving the lives of our members. We look forward to welcoming you!

Branch History & Mission

At Picatinny, we take pride in our rich history and unwavering commitment to serving our community. Established in 1939, our branch has grown from a small credit union into a trusted financial partner for over 19,700 members in Dover, NJ. Our journey began with the goal of providing accessible financial services to those who needed them most, and that mission continues to guide us today. Located at 100 Mineral Springs Rd, Dover, NJ 07801, our branch is nestled in a vibrant community that values connection and support. Over the years, we have achieved significant milestones, including reaching total assets of over $442 million. This growth is a testament to the trust and loyalty of our members, as well as our dedication to offering competitive products and services tailored to their needs. Our mission at Picatinny is simple yet profound: we strive to empower our members through sound financial solutions while actively supporting the communities we serve. We believe in building strong relationships and making a positive impact through initiatives like financial education programs and local sponsorships. By prioritizing the needs of our members, we ensure that everyone can achieve their financial goals. While members can visit us at 100 Mineral Springs Rd, official correspondence should be sent to 100 Mineral Springs RD, Dover, NJ 7801 if different. We offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Additionally, we provide online and mobile banking features for convenience. In line with modern advancements, we are committed to ensuring accessibility for all by adhering to ADA compliance standards. Our dedicated team works tirelessly to provide exceptional service during our operating hours: Monday & Thursday from 8 am - 6 pm; Tuesday, Wednesday & Friday from 8 am - 3:30 pm; Saturday from 9 am - 12 pm. Plus, with ATM availability on-site, accessing your funds has never been easier. We invite you to join the Picatinny family and experience firsthand the benefits of membership. Together, let's build a brighter financial future while making meaningful contributions to our community. For more information or to become a member today, please call us at 973-361-5225 or visit our website at Picatinny Credit Union.

Branch Location & Accessibility

Accessibility Features

At Picatinny, we prioritize accessibility for all our members. Our branch is ADA compliant, ensuring that everyone can comfortably access our services. If you have any special needs or require assistance during your visit, our staff is always ready to help.

Get in Touch

Feel free to reach out by calling us at 973-361-5225 if you have any questions or need assistance before visiting. We invite you to come by and experience the personalized service that makes Picatinny Credit Union a trusted choice in Dover. We look forward to serving you!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours designed to fit your busy schedule. Our lobby is open from 8 AM to 6 PM on Mondays and Thursdays, 8 AM to 3:30 PM on Tuesdays, Wednesdays, and Fridays, and from 9 AM to 12 PM on Saturdays. Whether you need help with personal banking or looking for loan options, we're here for you when it's convenient.

Services Offered

Our branch provides a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we are equipped to assist you every step of the way. Plus, we offer ATM access so you can manage your cash easily whenever you need it.

Member Eligibility

At Picatinny, we believe that everyone deserves a chance to be part of a caring community where your financial needs are understood and prioritized. Joining us is easy! If you live, work, worship, or attend school in our local area, you're likely eligible to become a member. We welcome individuals from all walks of life, making it simple for you to access a range of benefits like personalized banking services and competitive loan rates. To get all the details on eligibility requirements, please check out our resource page at https://www.picacreditunion.com/become-a-member/ . Opening an account with Picatinny is just as straightforward! You can start your journey toward membership today by visiting us at our branch located at 100 Mineral Springs Rd Dover Nj 07801, or give us a call at (973) 361-5225 for any questions. Whether you're looking to save for the future, finance a new car, or simply enjoy better banking options, we're here to help you every step of the way. Learn more about opening an account by visiting https://www.picacreditunion.com/apply-for-a-loan/ . Welcome to your new financial family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. Whether you need funds for new equipment, expansion plans, or working capital, we have tailored loan solutions that fit your needs.

Merchant Services

In addition to loans, we offer essential merchant services that simplify transactions. Imagine having a seamless payment process that enhances customer experiences our services ensure you can accept payments easily, whether online or in-person. This means more satisfied customers and streamlined operations. With an outstanding commercial loan portfolio of $213,140, we continue to drive economic growth by financing new and expanding businesses. Join us at Picatinny located at 100 Mineral Springs Rd Dover Nj 07801, where your business dreams can become a reality! For more information, give us a call at (973) 361-5225.

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our comprehensive business banking services. We provide essential tools like merchant services to help streamline transactions and business loans that support growth and operational needs.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our online and mobile banking features. Access your accounts anytime, anywhere with ease. You can manage your finances from the comfort of your home or on the go using our mobile app. From paying bills to transferring funds between accounts, everything is just a few taps away. Additionally, we offer ATM and cash withdrawal services, ensuring you have access to your cash whenever needed. Our basic ATM access allows for simple withdrawals and balance checks without hassle.

Join Us Today!

At Picatinny, we're dedicated to making your banking experience as smooth as possible while offering a full suite of services to cover all aspects of your financial life. If you have any questions or would like more information about how we can assist you, don't hesitate to reach out at 973-361-5225 or visit us at our branch in Dover. Join us today and discover how Picatinny can help you reach your financial aspirations! For more details about membership eligibility or to apply for a loan, check out our website here.

Personal Banking

Our personal banking services are tailored to make managing your money easy and convenient. We offer checking and savings accounts that fit your lifestyle, whether you're saving for a vacation or just need a reliable account for everyday expenses. Our auto loans and vehicle financing options provide competitive rates, helping you get behind the wheel without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options can guide you through the process smoothly. For those looking to consolidate debt or finance personal projects, our personal loans offer flexible terms that suit your situation. Plus, with our credit cards featuring rewards, you can earn benefits on every purchase you make.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization system. This means you can sign important documents quickly and securely without needing to visit a branch. It's all about making your life easier while keeping your information safe. We also provide e-statements, which are a great way to stay organized and reduce paper clutter. You'll receive your statements electronically, allowing you to access them anytime and anywhere. Need to send money to friends or family? Our person-to-person transfers make it easy to send cash directly from your account without hassle. Plus, if you prefer using mobile payments, we've got you covered there too! Just link your account to your favorite payment app for quick and easy transactions. At Picatinny, we're committed to ensuring that your online banking experience is both secure and straightforward. With features like these, managing your money is now as simple as a few clicks. Join us today and discover how easy banking can be!

Financial Strength

Investing Back into Our Community

With $38,630,866 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is evident with $2,215 in used auto loans and $260,269,490 in total loans and leases, supporting our members' financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $55,217,558 in share certificates and $19,325,163 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 60 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $38,769,556, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $876 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

Total Share and Deposit Accounts: 36,681, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Picatinny is your trusted partner. Visit us at 100 Mineral Springs Rd Dover Nj 07801 or call (973) 361-5225 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $32,882,306 in used vehicle loans and $20,805,043 in new vehicle loans already helping members get on the road. We make it easy for you to apply and secure financing quickly. Whether it's for a brand-new car or a reliable used one, our competitive rates can help you drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $213,140 provide the capital needed to grow and expand. We are committed to supporting local businesses and offer tailored solutions that align with your operational needs. At Picatinny, we prioritize your financial wellbeing by providing clear options and personalized service. If you're interested in learning more about refinancing or checking eligibility for any of our loan products, please don't hesitate to reach out. You can contact us at 973-361-5225 or visit us at 100 Mineral Springs Rd Dover NJ 07801. For more information about our offerings and how we can assist you further, please check out our website at Picatinny Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $67,069,245, make buying or refinancing simple. We offer various mortgage products tailored to your financial situation and goals. If you're considering refinancing your current mortgage, we have options available that could lower your monthly payments or help you tap into your home's equity.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $9,341,626 in loans helping members manage their finances effectively, our credit cards come with competitive rates and rewards programs designed to benefit you. Whether you're looking to consolidate debt or simply want a reliable card for purchases, we've got you covered.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers that reflect current market conditions. By aggregating information from reputable lenders, LendMesh guarantees that users are presented with accurate and up-to-date loan options.

PICATINNY FEDERAL CREDIT UNION