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135 Raritan Center Pkwy
Edison, NJ 08837

Pinnacle Federal Credit Union is headquartered in Edison and is the 22nd largest credit union in the state of New Jersey. It is also the 1,213st largest credit union in the nation. It was established in 1962 and as of March of 2014, it had grown to 41 employees and 20,497 members. Pinnacle Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

If you work for one of Pinnacle's over (250) businesses, you can become a member of Pinnacle. Pinnacle also has a partnership with the American Consumer Council. Simply join the American Consumer Council and you'll be automatically eligible for membership. Once you are a Pinnacle member, your immediate family and household members are also eligible to join Pinnacle. - See Details

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Reviews (4)

Terrible Credit Union

I have been with Pinnacle FCU since 1993.  Used to be a great Credit Union, but is 100% horrible.  When I call the credit union you can clearly hear member services pick up & then hang up.  They have very few people to answer calls, so you can't call the credit union if you run into any issues.  I have complained about member services hanging up on calls.  But no one cares or has fixed.  After 8 times calling back, I finally got someone to answer.  They advised phones systems & possible disgruntled employees... 

Pinnacle FCU

Express mailed Pinnacle a complete package of all items which were requested.  Went over every detail with the representative.  On my cover sheet, requested a call or email on opening account.   Seven days later, rec'd in the mail, all my items plus a form stating can't open trust account.  No phone call or email regarding the subject.  They had stated before you could use a trust as the beneficary.  I think what got me, was no phone call or email to clear-up the item.

Change For The Worst

The Pinnacle credit union used to be a shining example of what set credit unions apart from banks. Your longevity as a member counted as much as your "credit score" does today. You were judged on your character as a member, as well as on the fine print of your balance sheet. You were considered a "valuable" member of an organization, an owner of the credit union (since it was yours), along with all the other monies that were its life blood. There was a time when the annual credit union meeting was an event attended by 1000 people and held at the Pines manor in Edison. It was a true celebration of the spirit that made the credit union great. The last meeting had less than 25 people attending and it was at the home office on a Saturday morning. Customer service was something that was a first priority many years ago, but as new managers came on board that focus changed to the bottom line and now customer service at the credit union is non-existent. Calling the credit union meant having the phone answered on the first ring and getting an answer to whatever question you might ask. Calling now is like pulling the handle on a slot machine, the odds are you won't be a winner even if you get through to a person. It's a shame that an institution that once was the center of so many members financial worlds has stooped even caring about those same people.

EZ Customer Loan Payment

Have tried numerous times to register my account. The site precludes me from making the necessary entries. I am a first time user and not impressed.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pinnacle Federal Credit Union had $1.38 million in non-current loans and owned real-estate with $11.24 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Federal Credit Union a Texas Ratio of 12.27% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pinnacle Federal Credit Union decreased slightly from 17.37% as of March 31, 2013 to 12.27% as of March 31, 2014, resulting in a positive change of 29.36%.This indicates that the balance sheet and financial strength for Pinnacle Federal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Pinnacle Federal Credit Union has decreased its total deposits by -$9.99 million, resulting in -7.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pinnacle Federal Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pinnacle Federal Credit Union has $139.67 million in assets with $11.24 million in equity, resulting in a capitalization level of 8.05%, which is average.

Institution Statistics

NCUA #15095
Year Chartered1962
Primary Regulator
Assets and Liabilities
Assets$139.67 million
Loans$118.93 million
Deposits$126.15 million
Equity Capital$10.33 million
Loan Loss Allowance$907,000
Unbacked Noncurrent Loans$1.21 million
Real Estate Owned$172,000
Historic Data - March 2013
Assets$149.16 million
Equity Capital$11.17 million
Loan Loss Allowance$1.19 million
Unbacked Noncurrent Loans$1.21 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-1.07%
Return on Equity-14.48%
Interest Income$1.25 million

Always verify rates and promotions with the bank or credit union. We are not Pinnacle Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Pinnacle Federal Credit Union Savings Account Rates

0.05%$100-Share Savings
0.05%$50-IRA Share Savings
0.05%--Youth Savings
0.05%$100-Vacation Club
0.05%$100-Holiday Club
0.05%$50-Roth IRA Share Savings
0.05%$50-CESA Share Savings

Pinnacle Federal Credit Union Money Market Rates

0.20%$20k-Money Market Gold Account
0.15%$20k-Money Market Investment Account

Pinnacle Federal Credit Union Checking Account Rates

0.05%--Choice Checking
0.05%$100-Premier Checking 55 Plus

Pinnacle Federal Credit Union CD Rates

1.91%$500-60 Month CD
1.31%$500-24 Month CD
1.31%$500-24 Month Youth CD
0.75%$500-48 Month CD
0.60%$500-36 Month CD
0.30%$500-18 Month CD
0.25%$500-12 Month CD
0.20%$500-6 Month CD

Pinnacle Federal Credit Union IRA Rates

1.91%$500-60 Month IRA
1.31%$500-24 Month IRA
1.31%$500-24 Month Youth IRA
0.75%$500-48 Month IRA
0.60%$500-36 Month IRA
0.30%$500-18 Month IRA
0.25%$500-12 Month IRA
0.20%$500-6 Month IRA

Pinnacle Federal Credit Union Locations
Branch Office3C Buckingham DrManchester, NJ 08759
Branch Office135 Raritan Center PkwyEdison, NJ 08837