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SPECIAL LOAN OFFERS

Check out our special offers happening now.
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GRAND OPENING 
SPECIALS

Join us on Saturday, June 22 for the Grand Opening
of our NEW Brick Branch

Share Certificate Specials
4.00% APR* for 3 months
4.50% APR* for 6 months


Learn more about these special offers and more.


 

Brick Branch NOW OPEN

NOW OPEN
Stop by our NEW Brick Branch
990 Cedar Bridge Ave
Brick, NJ 08723

Leisure Village West ATM - NOW AVAILABLE
3C Buckingham Drive - available for withdrawals and deposits

learn more here
 
Apply for a loan in minutes.

Our fast and secure online application process allows you the freedom to sign your loan docs from your smartphone.

APPLY NOW

Find a Free ATM Find a free ATM

Fees? We don’t like them either. That’s why we all joined a credit union in the first place — hello?! 30,000 free ATMs across the country are waiting to give you — not take — your money.

Find one near you
Calculator Calculator

Math’s not your thing? We won’t judge.

Get calculating
 

What is your debit card doing for you? 

Use your debit card. Get reward points. Redeem your points for gift cards, cash back, and more. 

LEARN more about debit rewards

Not like those asterisks
at the big banks.

Because we’re a credit union, when we say, “free checking” or “no fees,” there’s also no catch.

CHECK OUT OUR 100% FREE CHECKING

Tap into the equity in your home with a PFCU Home Equity Line of Credit.

SPECIAL INTRODUCTORY OFFER
Prime -1%* for 6 months
Use the money when you need it, repay and use it again! Withdraw on your line for up to five (5) years.

  • No application fee
  • No appraisal fee
  • No closing costs
  • Borrow up to 80% of the value of your home
  • Maximum loan amount of $250,000
  • Access your funds as you need them by check or online

APPLY TODAY


HOME EQUITY INTRODUCTORY RATE: *APR=ANNUAL PERCENTAGE RATE. AN INTRODUCTORY RATE PRIME -1% (CURRENTLY 7.50%, AS PRIME IS 8.50% AS OF 4/10/2024) APR WILL APPLY FOR THE FIRST 6 MONTHS. THEREAFTER, THE RATE WILL ADJUST TO FULLY INDEXED RATE (TODAY’S RATES : 8.50%) ON THE FIRST CALENDAR DAY OF THE MONTH FOLLOWING THE END OF 6 MONTH INTRODUCTORY PERIOD. INDEXED RATE BASED ON CREDITWORTHINESS. THE INTRODUCTORY RATE IS FOR NEW APPLICATIONS BETWEEN APRIL 8 – MAY 31, 2024. APPLICATIONS ARE VALID FOR 30 DAYS FROM DATE OF SUBMISSION. LOANS ARE ONLY OFFERED IN NEW JERSEY, NEW YORK, OR PENNSYLVANIA ON OWNER-OCCUPIED PRIMARY RESIDENTIAL PROPERTIES. TO QUALIFY FOR THE INTRODUCTORY RATE, YOU MUST CLOSE ON YOUR HOME EQUITY LINE OF CREDIT BY JUNE 15, 2024. MINIMUM LINE OF CREDIT AMOUNT IS $10,000. MAXIMUM LOAN AMOUNT IS $250,000 OR UP TO 80% EQUITY IN YOUR HOME OR CONDOMINIUM, WHICHEVER IS LESS. A FLOOR RATE OF 4.25% FOR THE LIFE OF THE LOAN WILL APPLY AFTER THE INTRODUCTORY RATE EXPIRES. THE MAXIMUM APR THAT MAY BE IMPOSED WILL BE 18%. FEES: THERE IS NO APPLICATION FEE/CHARGE, AND NO CLOSING COSTS. WE WILL PAY THIRD-PARTY FEES ON YOUR BEHALF. IF WE DO SO, YOU MUST KEEP THE LINE OF CREDIT OPEN FOR AT LEAST 60 MONTHS (FIVE YEARS) OR BE LIABLE TO REIMBURSE THE LENDER BY PAYING A $400 ORIGINATION REIMBURSEMENT FEE. THERE IS A 5 YEAR DRAW PERIOD. DURING THE DRAW PERIOD, PAYMENTS WILL BE DUE MONTHLY CALCULATED TO SATISFY INTEREST DUE; WITH A MINIMUM PAYMENT AMOUNT OF $100.00. THE INTEREST WILL BEGIN TO ACCRUE WHEN MONEY IS TAKEN FROM THE LINE OF CREDIT. A $10,000 INITIAL ADVANCE WILL BE REQUIRED AT THE TIME OF LOAN CLOSING. AFTER THE DRAW PERIOD EXPIRES, PAYMENTS WILL BE CALCULATED TO PAY OFF THE LOAN BALANCE IN EQUAL MONTHLY PAYMENTS BY THE MATURITY DATE. AFTER THE INTRODUCTORY PERIOD ENDS, THE RATE MAY CHANGE MONTHLY BASED ON THE PRIME RATE PUBLISHED IN THE WALL STREET JOURNAL. NOT ALL BORROWERS WILL QUALIFY. RATES EFFECTIVE AS OF APRIL 8, 2024. RATES SUBJECT TO CHANGE WITHOUT NOTIFICATION. PINNACLE FEDERAL CREDIT UNION IS AN EQUAL HOUSING LENDER. NMLS# 423010.