Edison, NJ 08837
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.70% →
1-Year CD 0.29% 0.75% →
2-Year CD 0.37% 0.81% →
5-Year CD 0.61% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Pinnacle is an NCUA insured institution located in Edison, NJ. It was founded in 1962 and has approximately $111.13 millions in assets.

NCUA Insured Yes
Charter Number # # 15095
Date Established 1962
Assets $111.13 million
Loans $75.36 million
Deposits $103.20 million
Capital $7.31 million

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.

Deposit Rates - January 18, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.07% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.22% $10,000 - Learn More
12 Mo CD
0.29% $10,000 - Learn More
18 Mo CD
0.32% $10,000 - Learn More
24 Mo CD
0.37% $10,000 - Learn More
36 Mo CD
0.45% $10,000 - Learn More
48 Mo CD
0.50% $10,000 - Learn More
60 Mo CD
0.61% $10,000 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 18, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for PINNACLE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.701% 2.625% 1.00 $2,495 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Pinnacle branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Pinnacle Locations

Financial Details

Pinnacle Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pinnacle. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Pinnacle U.S. Average
7.87% 4.42

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2020, Pinnacle had $406,929 in non-current loans and $227,144 in owned assets. To cover these potential losses it had $7,305,459 in net worth and $749,348 in loans loss reserves. That gives it a Texas Ratio of 7.87%.

Net Worth
Pinnacle U.S. Average
6.57% 12.91%

Pinnacle FCU has a net worth of 6.57% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Pinnacle

Branches and Savings

What is Pinnacle?

A federal credit union, registered with the NCUA under certificate #15095.
Learn more about credit unions here.

Is Pinnacle FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Pinnacle?

Please see Field of Membership information above for information on who is eligible to join.

What are Pinnacle's share account and share certificate rates?

Pinnacle's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Pinnacle?

Pinnacle has total capital of $7.31 million. Full information on Pinnacle's financial position is located above.

Who owns Pinnacle?

Credit Unions are owned by their members.

Where are Pinnacle branches located?

See branch locations nearby.

Are Pinnacle ATMs Open 24/7?

Do Pinnacle ATMs accept cash deposits?

Can Pinnacle customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Pinnacle have a mobile app?

Does Pinnacle have mobile deposit?

Does Pinnacle have quick pay?

How can Pinnacle transfer money to other banks or credit unions?

Does Pinnacle report to credit bureaus?

Does Pinnacle use Chexsystems?

Does Pinnacle use Equifax?

What is Pinnacle's toll free phone number?

What is Pinnacle's ACH Routing Number?

What is Pinnacle's SWIFT code?

Where can I find Pinnacle's wire transfer form?

What is the Pinnacle address for deposits?

What Products Does Pinnacle Offer

Does Pinnacle offer mortgages?

Compare mortgage rates here.

Does Pinnacle offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pinnacle offer auto and RV loans?

Compare auto loan rates here.

Does Pinnacle offer student loans or personal loans?

Compare personal loan rates here.

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