Pinnacle Federal Credit Union

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A short history of Pinnacle FCU

Since its inception in 1962 the Pinnacle Federal Credit Union has been serving its members in the EDISON, New Jersey area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Stephen Lardiere, the Pinnacle FCU has grown its membership to over 14,965 with assets of more than $137,339,809. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (732) 225-1505 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in EDISON, NJ.

General Information For Pinnacle FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 15095
State New Jersey 
Zip-Code 08837
Phone Number (732) 225-1505
Fax Number (732) 225-4572
Email Address:
CEO/President Stephen Lardiere
Members 14,965 
Full-Time Employees 28 
Part-Time Employees
Number of Branch Offices
Total Assets 137,339,809 

Compare Pinnacle Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
M & C Menlo Park CU Main Office c/o BASF Corporation 08830 (732) 205-5199 No 3.45
New Brunswick Postal CU New Brunswick Postal FCU 19 Kilmer Rd 08906 (732) 985-4618 No 3.46
United Poles CU LINDEN BRANCH 1161 W SAINT GEORGES AVE 07036 (908) 523-0008 No 3.78
Raritan Bay CU South River Office 93 Main St 08882 (732) 727-3500 No 3.82
N. J. Latvian CU NJ Latvian FCU 1017 State Route 33 07728 (732) 336-0033 No 3.90

Pinnacle Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Pinnacle Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.00 2.49 4.49 3.62 4.99
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 341 83 263 84 228
Rank Among All New Jersey Credit Unions 32 11 37 8 34

Pinnacle Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.07 1.15 0.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 140 143 291
Rank Among All New Jersey Credit Unions N/A 34 20 17 38
Pinnacle Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.00034,804
All Other Unsecured Loans/Lines of Credit 11.8903711,661,876
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.0003,2534,467,790
New Vehicle Loans 2.490721,174,508
Used Vehicle Loans 4.4901,10315,680,146
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.62012222,957,334
Total Other Real Estate Loans/Lines of Credit 4.99065125,476,683
Leases Receivable 3.9801,23934,956,767
Total All Other Loans/Lines of Credit 2.050611,268,996
TOTAL LOANS & LEASES 6,875107,648,904

Pinnacle Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 6510,409,07600
    b. 15 Years or less 154,551,98100
    a. > 15 years 0000
    b. 15 Years or less 294,715,28000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 4249,45900
Adjustable Rate > 1 yr 93,031,53800


Closed-End Fixed Rate 37213,452,5285408,971
Closed-End Adjustable Rate 27912,024,1554908,728
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 77348,434,01791,317,699


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 1216,616,893843,907
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Pinnacle Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes