Pinnacle Federal Credit Union

Overview / Commentary
135 Raritan Center Pkwy
Edison, NJ 08837

Pinnacle Federal Credit Union is headquartered in Parlin and is the 30th largest credit union in the state of New Jersey. It is also the 1,828th largest credit union in the nation. It was established in 1962 and as of December of 2023, it had grown to 21 employees and 11,815 members at 3 locations. Pinnacle Federal Credit Union 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

Reviews (4)

EZ Customer Loan Payment

Posted by: |

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

Posted by: |

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

Posted by: |

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.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Pinnacle Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #15095
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD2.37%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$99.3MM$107.1MM
LoansQ4 2023vs Q4 2022$65.7MM$69.2MM
DepositsQ4 2023vs Q4 2022$94.1MM$101.6MM
Equity CapitalQ4 2023vs Q4 2022$4.6MM$4.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$671K$689K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$832K$744K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for Pinnacle Federal Credit Union are currently being reviewed.


Pinnacle Federal Credit Union Locations
Branch Office3C Buckingham DrManchester, NJ 08759
Corporate Office2909 Washington Rd Ste 10Parlin, NJ 08859
Branch Office11830 Webb Chapel Rd Ste 200Dallas, TX 75234-2784

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