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SPECIAL LOAN OFFERS

Check out our special offers happening now.
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JUNE
Special Offers

Don't miss out on this great Share Certificate
4.00% APY* for 3-months
4.50% APY* for 6-months


BUMP UP is back!
From now until July 31, 2024 -if rates go up, you can bump up your rate on your certificate.*

oPen YOUR CERTIFICATE TODAY

 

HOME EQUITY SPECIALS

Fixed-Rate Home Equity Special
Rates as low as 6.25%APR1


Home Equity Line of Credit
Prime -1%2 for 6 months

  • 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

OPEN NOW
Fixed-Rate Home Equity Loans: 1APR=Annual Percentage Rates. Rates shown are base rates. Current rates as low as 6.25% up to 8.15% APR. The actual rate will be determined based on creditworthiness. Loans are only offered in New Jersey, New York, or Pennsylvania on owner-occupied primary residential properties only. Maximum loan amount is $250,000 or up to 80% equity in your home, whichever is less. There is no application fee or charge. The current rates for fixed-rate home equity loans are as low as 6.25% APR for 60 months fixed loan; as low as 6.99%APR for 120 months fixed loans; as low as 7.25%APR for 180 months fixed loans; and as low as 7.49%APR for 240 months fixed loans. Your loan payments will be due monthly and payments will be calculated to pay off the loan balance in approximately equal monthly payments by the maturity date. Your interest rate on a fixed 2nd Mortgage will never change throughout the life of your loan. Rates subject to change without notification. Not all borrowers will qualify. Rates effective as of April 18, 2024. Pinnacle Federal Credit Union is an Equal Housing Lender. NMLS# 423010.

HOME EQUITY INTRODUCTORY RATE: 2APR=Annual Percentage Rate. An introductory rate prime -1% (currently 7.50%, as prime is 8.50% as of 5/1/2024) 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.
 
Rate Term
5.79% APR** 48 months
5.89% APR** 60 months
6.39% APR** 72 months
6.59% APR** 84 months

Auto Loans SPECIAL


BEST DEAL AROUND!
For a limited time only, no payments for 90 days, when you finance or refinance your auto loan with PFCU.

  • 5.79% APR** for 48 months
  • 5.89% APR** for 60 months
  • 6.39% APR** for 72 months
  • 6.59% APR** for 84 months
  • 0.50% off when you refinance from another lender to PFCU
  • 0.25% off for veterans, federal/state government workers, and teachers**
  • No payments for 90 days
  • Apply in minutes
apply now

 

VACATION LOAN SPECIAL

  • 8.99%*** APR for 36 months
  • Borrow up to $3,000
  • No payments for 60 days
apply NOW
Monthly Payment Term Borrow Amount
$32 36 months $1,000
$64 36 months $2,000
$96 36 months $3,000

Annual Meeting

Join us for our Annual Meeting of Members on Wednesday, May 22, 2024, at 5:00 PM. The meeting will be held at our Sayreville Branch at 2909 Washington Road, Parlin, NJ 08859.

Learn more about our Notice of Election and our Annual Meeting. 

REGISTER TO ATTEND

 

Skip your loan payment this summer.

Skip your PFCU Loan for a small fee. Skip up to two months per loan.* 
Click on the link below to submit your request. 

  • Skip up to two (2) months per loan.
  • Skip your PFCU vehicle, personal, debt consolidation, or fixed-rate home equity loan.

  submit your request today


Past Due? If you are experiencing financial difficulty making payments, please call our Account Resolution Specialists at 732-225-1505 ext. #296 for assistance.


*Applies to Pinnacle FCU Loans Only. Skip-a-Pay cannot be used for Upgrade loans, Lease Vehicles, Student Loans, Checking Lines of Credit, Residential First mortgages, 1-4 family Investment Mortgage Loans, or Home Equity Lines of Credit. Loan(s) skipped must be greater than six (6) months old and not past due more than thirty days (30) at the time of the skip. A maximum of ten (10) skips per eligible loan are allowed for the life of the loan. You must be in good standing with the credit union. Offer may change or be discontinued at any time. Deferring payments will result in an increase in the amount due on your final monthly installment payment. Deferring installment payments will also increase the total finance charges over the life of your loan(s) had you not elected to participate in the Skip-A-Pay program. Interest will accrue on any skipped loan as usual, as well as insurance, if applicable. If your loan is paid via automatic deposit from your PFCU account, the funds will be deposited into your savings account or will not transfer to the loan until the following due date after your latest skip date. If you have automatic payment from another financial institution, it is your responsibility to cancel, stop or reschedule your payment. Fee per skipped payment is $25 per vehicle and personal loan per month and $50 per skipped payment for Fixed Rate Home Equity Loans per month skipped. Offer ends on July 31, 2024.
 
Loan Type Fee Amount 
Vehicle Loan $25.00 per month skipped
Personal Loan $25.00 per month skipped
Debt Consolidation Loan $25.00 per month skipped
Fixed-Rate Home Equity $50.00 per month skipped

 
Mobile Wallets. An easier way to pay.
 
How it works.
Apple Pay, G Pay, and Samsung Pay are easy, secure, and private ways to make a purchase. Your actual card number will never be stored
on your contactless pay device so even if your smart device is lost or stolen, you are protected. A virtual token is used to transmit payment so that your card
number and identity remain private during every transaction. So you can leave your wallet tucked safely away and give your smart device another job.

Add your Pinnacle FCU debit card to your device's mobile wallet.

Accepted wherever you see the below icons.



 
Disclaimers
SHARE CERTIFICATE SPECIAL: APY=Annual Percentage Yield. Rate effective JUNE 10, 2024. Rates subject to change at any time. Other terms available from 3 to 60 months. Early withdrawal penalties may apply and may reduce earnings. See our Truth In Savings Share Certificate disclosure for terms and conditions. All current and new share certificates are available to participate in our BUMP UP promotion. Each certificate can bump their rate once per product term during the promotional period, April 30 to July 31, 2024. Certificates that previously bumped their certificate within the same term are not eligible.

AUTO LOAN SPECIAL: **Promotion period: applicants between April 5 - April 30, 2024, at 11:59 PM EST. To receive promotion rates, applicant must have a minimum credit score of 700 or greater, and vehicle being financed/refinanced must be 4 years or newer. Accepting the terms of “no payment for 90 days offer” will extend the maturity of your loan for at least 90 days but less than 120 days. Deferring your payment is optional. Interest will accrue as usual, as well as insurance, if applicable. Not all applicants will qualify. Proof of income may be required. Other restrictions may apply. As a condition of membership, you must maintain at least $5 in your Share Account. Speak to a Credit Union Representative for full details. 0.50% off for any applicant that is refinancing from another lender to PFCU. 0.25% off the rate for any veteran, local/federal/state government worker, and teacher. VA card or other identification factors, and/or paystub may be required for proof.  This promotion can be discounted at any time. Pinnacle FCU is an equal-opportunity lender.
 
VACATION LOAN SPECIAL: ***MONTHLY PAYMENT AMOUNT SHOWN IS ROUNDED UP TO THE NEAREST DOLLAR. Not all applicants will qualify. Rates are accurate and current as of May 1, 2024. Offer ends July 31, 2024 at 11:59 PM. Rates subject to change without notification. Proof of income may be required. Please speak to a Credit Union Representative for terms and conditions. Pinnacle Federal Credit Union is an equal-opportunity lender. Federally insured by the NCUA. Accepting the terms of “no payment for 60 days offer” will extend the maturity of your loan for at least 60 days but less than 90 days and interest will accrue as usual, as well as insurance, if applicable. Deferring your payment is optional. Loan approval based on creditworthiness, other terms, and conditions available. This promotion can be discounted at any time.

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