Pinnacle Federal Credit Union is headquartered in Edison and is the 26th largest credit union in the state of New Jersey. It is also the 1,558th largest credit union in the nation. It was established in 1962 and as of December of 2018, it had grown to 25 employees and 11,296 members at 2 locations. Pinnacle Federal Credit Union's CD rates are 3X the national average, but it has a C health rating.
Field of Membership Restrictions
You may join Pinnacle FCU by becoming a member of the American Consumer Council with a membership fee of $5. Membership is also open to FujiColor, FujiFilm, and over 300 employer groups and immediate family of current members.
See current membership details
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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.
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.
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 15095 |
| Year Chartered | 1962 |
| Employees | 25 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.2% |
| Return on Equity - YTD | 2.82% |
| Annual Interest Income | $4.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $107.4MM$129.3MM |
| Loans | Q4 2018vs Q4 2017 | $81.4MM$93.6MM |
| Deposits | Q4 2018vs Q4 2017 | $98.0MM$119.7MM |
| Equity Capital | Q4 2018vs Q4 2017 | $8.0MM$8.0MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $1.2MM$1.1MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $2.4MM$1.5MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$151.00K |
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 cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Pinnacle Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $5 | - | Share Savings | |
| 0.05% | $50 | - | IRA Share Savings | |
| 0.05% | $5 | - | Youth Savings | |
| 0.05% | $100 | - | Vacation Club | |
| 0.05% | $100 | - | Holiday Club |
Pinnacle Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%* | $20k* | - | Money Market Investment Account | ||
| OTHER TIERS: 0.05% → $1k - $5k | 0.07% → $5k - $20k | |||||
| 0.15% | $20k | - | Money Market Gold Account | ||
Pinnacle Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.03% | $500 | - | Premier Checking | |
| 0.03% | $1 | - | Premier 55 Checking |
Pinnacle Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.30% | $500 | - | 12 Month CD | |
| 2.20% | $500 | - | 6 Month CD | |
| 1.11% | $500 | - | 24 Month CD | |
| 1.11% | $500 | - | 24 Month Youth CD | |
| 0.95% | $500 | - | 18 Month CD | |
| 0.75% | $500 | - | 60 Month CD | |
| 0.75% | $500 | - | 36 Month CD |
Pinnacle Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.30% | $500 | - | 12 Month IRA | |
| 2.20% | $500 | - | 6 Month IRA | |
| 1.11% | $500 | - | 24 Month IRA | |
| 0.95% | $500 | - | 18 Month IRA | |
| 0.75% | $500 | - | 60 Month IRA | |
| 0.75% | $500 | - | 36 Month IRA |
| Pinnacle Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 3C Buckingham Dr | Manchester, NJ 08759 |
| Branch Office | 135 Raritan Center Pkwy | Edison, NJ 08837 |