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 Proponent Federal Credit Union Rates & Review August 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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Proponent Federal Credit Union's savings rates are at 0.10%. Proponent Federal Credit Union's 10-Year Fixed rates are at 5.50%, 15-Year Fixed rates are at 5.62%, 20-Year Fixed rates are at 5.88%, 7/1 Loan rates are at 5.50%, 10/1 Loan rates are at 5.75%. Proponent Federal Credit Union's Personal Loan Rates are at 12.99%. MonitorBankRates evaluates the financial stability of Proponent Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.59%. Rates last updated and verified on 08/28/2026. 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 Proponent Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Proponent Federal Credit Union. Proponent Federal Credit Union
Corporate Office 100 Metro Blvd
https://www.profcu.org 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 Auto Loan Rates
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 & Overview
Credit Union Name
Proponent Federal Credit Union
Website
https://www.profcu.org
Address
100 Metro Blvd,
Nutley, NJ 07110
Phone
973-338-1133
Fax
President
Sharon Delaney
CEO
Debra VanDorn
Full-Time Employees
62
Part-Time Employees
0
Branch Locations
3
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.59%
Return on Assets (ROA)
0.0189%
Return on Equity (ROE)
0.1335%
Non-Performing Loans Ratio (NPL)
1.09%
Total 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
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
30,335,313
Total Liabilities
441,268,599
Source: NCUA — Last Updated 09/30/2025
Customer ReviewsRLFN
December 17, 2025
CZsU
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Frequently Asked Questions About Proponent Federal Credit UnionHow many branches does Proponent Federal Credit Union operate?Proponent Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Proponent Federal Credit Union?Yes, to access services at Proponent Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Proponent Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Proponent Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Proponent Federal Credit Union offer online and mobile banking?Most modern institutions like Proponent Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.profcu.org. Current Proponent Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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