Overview / Commentary
732-225-1505
135 Raritan Center Pkwy
Edison, NJ 08837

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 1,499th largest credit union in the nation. It was established in 1962 and as of September of 2018, it had grown to 27 employees and 11,343 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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Reviews (4)

EZ Customer Loan Payment

Posted by: Anonymous | Jul 31, 2012

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: Anonymous | Oct 16, 2012

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: lof | Jun 10, 2011

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.



Health

Health Grade Components

Overall
NCUA #15095
Year Chartered1962
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD3.24%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$113.9MM$134.4MM
LoansQ3 2018vs Q3 2017$86.2MM$99.1MM
DepositsQ3 2018vs Q3 2017$104.1MM$124.6MM
Equity CapitalQ3 2018vs Q3 2017$7.9MM$8.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.2MM$858.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.3MM$1.4MM
Real Estate OwnedQ3 2018vs Q3 2017$0$320.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$500-Premier Checking
0.03%$1-Premier 55 Checking

Pinnacle Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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
Locations


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

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