Proponent Federal Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Proponent Federal Credit Union's savings rates are at 0.10%. Proponent Federal Credit Union's 15-Year Fixed rates are at 5.50%, 7/1 Adjustable Rate Mortgage rates are at 5.38%, 10/1 Adjustable Rate Mortgage rates are at 5.62%, 5/1 Adjustable Rate Mortgage rates are at 5.38%, 30-Year Fixed Mortgage rates are at 5.99%. Proponent Federal Credit Union's Personal Loan Rates are at 12.99%.
Proponent Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at Proponent Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Proponent Federal Credit Union Texas RatioProponent Federal Credit Union's Texas Ratio is at 6.01%, which is considered excellent. The Texas Ratio for Proponent Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Proponent Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Proponent Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Overall, Proponent Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Proponent Federal Credit Union
Corporate Office 100 Metro Blvd
Nutley, NJ 07110 
Proponent Federal Credit Union Savings Rates
Proponent Federal Credit Union Checking Rates
Proponent Federal Credit Union Mortgage Rates
Proponent Federal Credit Union Home Equity & HELOC
Proponent Federal Credit Union Credit Card Rates
Proponent Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Proponent Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Proponent Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Proponent Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Proponent Federal Credit Union
Website: https://www.profcu.org
Full Time Employees: 62Part Time Employees: 0 President: Sharon Delaney CEO: Debra VanDorn Branch Locations: 3 ATM Locations: 4 Corporate Office Address:
100 Metro Blvd
Nutley, NJ 07110 Phone Number: 973-338-1133 Fax Number: FinancialsTotal Assets:
508,623,831
Total Amount of Shares and Deposits:
425,408,391
Total Shares and Deposits < 1 Year:
414,458,955
Total Shares and Deposits 1 3 Years:
8,825,557
Total Shares and Deposits > 3 Years:
2,123,879
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
35,164,932
Total Uninsured Shares and Deposits > $250K (F+J):
35,164,932
Total Insured Shares and Deposits > $250K (item 17 less item K):
390,243,459
Total Interest Expense (Sum of items 6 8):
5,268,657
Share Certificates:
4,372
Number of Accounts for Share Drafts:
11,715
IRA KEOGH Accounts:
932
Number of Accounts for Regular Shares:
24,901
Money Market Shares:
1,687
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
30,335,313
Total Liabilities:
441,268,599
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsRLFN
December 17, 2025
CZsU
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Frequently Asked Questions About Proponent Federal Credit UnionIs a member application needed to join Proponent Federal Credit Union?Yes, to access services at Proponent Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Proponent Federal Credit Union provides a range of mortgage and home equity products. Is Proponent Federal Credit Union a safe place to deposit money?Yes, Proponent Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Proponent Federal Credit Union offer online and mobile banking?Most modern institutions like Proponent Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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