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Proponent Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.profcu.org
800-457-8058
536 Washington Ave
Nutley, NJ 07110

Proponent Federal Credit Union is headquartered in Nutley and is the 4th largest credit union in the state of New Jersey. It is also the 726th largest credit union in the nation. It was established in 1971 and as of March of 2025, it had grown to 64 employees and 18,702 members at 4 locations. Proponent Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Proponent Federal Credit Union is open to employees or retirees of more than 550 Select Employer Groups, including Roche and LabCorp.
See current membership details

Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #20448
Year Chartered1971
Employees64
Primary Regulator
Profit Margin
Return on Assets - YTD-0.22%
Return on Equity - YTD-1.74%
Annual Interest Income$6.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$524.3MM$503MM
LoansQ1 2025vs Q1 2024$407.6MM$414.5MM
DepositsQ1 2025vs Q1 2024$442.7MM$432.7MM
Equity CapitalQ1 2025vs Q1 2024$65.9MM$63MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.1MM$6.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.2MM$3.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$25k*-Pro Savings Share Account
OTHER TIERS: 0.10% → $500 - $10k | 0.85% → $10k - $25k
0.10%$0-You-Name-It Savings
0.10%$0-Membership Savings

Proponent Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Platinum Checking
OTHER TIERS: 0.05% → $500 - $10k | 0.10% → $10k - $50k

Proponent Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$25k*-3 Month CD
OTHER TIERS: 3.90% → $500 - $10k | 3.95% → $10k - $25k
3.75%*$25k*-6 Month CD
OTHER TIERS: 3.65% → $500 - $10k | 3.70% → $10k - $25k
3.55%*$25k*-60 Month CD
OTHER TIERS: 3.45% → $500 - $10k | 3.50% → $10k - $25k
3.50%*$25k*-12 Month CD
OTHER TIERS: 3.40% → $500 - $10k | 3.45% → $10k - $25k
3.45%*$25k*-48 Month CD
OTHER TIERS: 3.35% → $500 - $10k | 3.40% → $10k - $25k
3.35%*$25k*-36 Month CD
OTHER TIERS: 3.25% → $500 - $10k | 3.30% → $10k - $25k
3.25%*$25k*-24 Month CD
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $25k

Proponent Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$25k*-3 Month IRA CD
OTHER TIERS: 3.90% → $500 - $10k | 3.95% → $10k - $25k
3.75%*$25k*-6 Month IRA CD
OTHER TIERS: 3.65% → $500 - $10k | 3.70% → $10k - $25k
3.55%*$25k*-60 Month IRA CD
OTHER TIERS: 3.45% → $500 - $10k | 3.50% → $10k - $25k
3.50%*$25k*-12 Month IRA CD
OTHER TIERS: 3.40% → $500 - $10k | 3.45% → $10k - $25k
3.45%*$25k*-48 Month IRA CD
OTHER TIERS: 3.35% → $500 - $10k | 3.40% → $10k - $25k
3.35%*$25k*-36 Month IRA CD
OTHER TIERS: 3.25% → $500 - $10k | 3.30% → $10k - $25k
3.25%*$25k*-24 Month IRA CD
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $25k
Locations


Proponent Federal Credit Union Locations
Corporate Office100 Metro Blvd 4th FloorNutley, NJ 07110
Branch Office3504 Forestdale DrBurlington, NC 27215-4693
Branch Office173 Bloomfield AveNutley, NJ 07110
Branch Office409 Kingsland StNutley, NJ 07110

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