Proponent Federal Credit Union

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Overview / Commentary

800-457-8058

536 Washington Ave
Nutley, NJ 07110

Proponent Federal Credit Union is headquartered in Nutley and is the 4^th largest credit union in the state of New Jersey. It is also the 676^th largest credit union in the nation. It was established in 1971 and as of December of 2021, it had grown to 67 employees and 20,546 members at 2 locations. Proponent Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Proponent Federal Credit Union is open to employees or retirees of Select Employer Groups.
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Related Posts

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2006

10/14 - 6.00% 7-Month CD at a New Jersey/North Carolina CU (Proponent)

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Health

A

Data as of Q4 2021

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Health Grade Components

Overall
NCUA #	20448
Year Chartered	1971
Employees	67
Primary Regulator

Profit Margin
Return on Assets - YTD	0.52%
Return on Equity - YTD	4.43%
Annual Interest Income	$16.5MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$536.2MM$508.8MM
Loans	Q4 2021vs Q4 2020	$367.5MM$392.7MM
Deposits	Q4 2021vs Q4 2020	$469.6MM$444.1MM
Equity Capital	Q4 2021vs Q4 2020	$63.1MM$61.9MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$9.0MM$8.2MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$9.9MM$12.4MM
Real Estate Owned	Q4 2021vs Q4 2020	$203.00K$203.00K

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Proponent Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$25k^*	-	Pro Savings Share Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.20%^*	$25k^*	-	Custodial Savings Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.20%^*	$25k^*	-	IRA Savings Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.10%	-	-	You-Name-It Savings
0.10%	$50	-	Membership Savings

Proponent Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$50k^*	-	Platinum Checking
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k

Proponent Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$25k^*	-	60 Month CD
OTHER TIERS: 0.80% → $500 - $10k \| 0.85% → $10k - $25k
0.80%^*	$25k^*	-	48 Month CD
OTHER TIERS: 0.70% → $500 - $10k \| 0.75% → $10k - $25k
0.70%^*	$25k^*	-	36 Month CD
OTHER TIERS: 0.60% → $500 - $10k \| 0.65% → $10k - $25k
0.60%^*	$25k^*	-	24 Month CD
OTHER TIERS: 0.50% → $500 - $10k \| 0.55% → $10k - $25k
0.50%^*	$25k^*	-	12 Month CD
OTHER TIERS: 0.40% → $500 - $10k \| 0.45% → $10k - $25k
0.40%^*	$25k^*	-	6 Month CD
OTHER TIERS: 0.30% → $500 - $10k \| 0.35% → $10k - $25k
0.30%^*	$25k^*	-	3 Month CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $25k

Proponent Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$25k^*	-	60 Month IRA CD
OTHER TIERS: 0.80% → $500 - $10k \| 0.85% → $10k - $25k
0.80%^*	$25k^*	-	48 Month IRA CD
OTHER TIERS: 0.70% → $500 - $10k \| 0.75% → $10k - $25k
0.70%^*	$25k^*	-	36 Month IRA CD
OTHER TIERS: 0.60% → $500 - $10k \| 0.65% → $10k - $25k
0.60%^*	$25k^*	-	24 Month IRA CD
OTHER TIERS: 0.50% → $500 - $10k \| 0.55% → $10k - $25k
0.50%^*	$25k^*	-	12 Month IRA CD
OTHER TIERS: 0.40% → $500 - $10k \| 0.45% → $10k - $25k
0.40%^*	$25k^*	-	6 Month IRA CD
OTHER TIERS: 0.30% → $500 - $10k \| 0.35% → $10k - $25k
0.30%^*	$25k^*	-	3 Month IRA CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $25k

Locations

Proponent Federal Credit Union Locations
Branch Office	536 Washington Ave	Nutley, NJ 07110
Branch Office	3504 Forestdale Dr	Burlington, NC 27215-4693

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