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 723^rd largest credit union in the nation. It was established in 1971 and as of June of 2024, it had grown to 66 employees and 18,956 members at 4 locations. Proponent Federal Credit Union's CD rates are 5X 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.
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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 Q2 2024

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Health Grade Components

Overall
NCUA #	20448
Year Chartered	1971
Employees	66
Primary Regulator

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	4.52%
Annual Interest Income	$12.1MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$508.3MM$508.9MM
Loans	Q2 2024vs Q2 2023	$412.4MM$412.5MM
Deposits	Q2 2024vs Q2 2023	$436.4MM$426MM
Equity Capital	Q2 2024vs Q2 2023	$64.4MM$60MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$6.3MM$7.1MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$4.5MM$4.7MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

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
1.25%^*	$25k^*	-	Pro Savings Share Account
OTHER TIERS: 0.10% → $0 - $10k \| 0.85% → $10k - $25k
1.25%^*	$25k^*	-	Custodial Savings Account
OTHER TIERS: 0.10% → $0 - $10k \| 0.85% → $10k - $25k
1.25%^*	$25k^*	-	IRA Savings Account
OTHER TIERS: 0.10% → $0 - $10k \| 0.85% → $10k - $25k
0.10%	$0	-	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% → $0 - $10k \| 0.10% → $10k - $50k

Proponent Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.80%^*	$25k^*	-	6 Month CD
OTHER TIERS: 4.70% → $500 - $10k \| 4.75% → $10k - $25k
4.25%^*	$25k^*	-	12 Month CD
OTHER TIERS: 4.15% → $500 - $10k \| 4.20% → $10k - $25k
3.75%^*	$25k^*	-	3 Month CD
OTHER TIERS: 3.69% → $500 - $10k \| 3.70% → $10k - $25k
3.55%^*	$25k^*	-	60 Month CD
OTHER TIERS: 3.45% → $500 - $10k \| 3.50% → $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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.80%^*	$25k^*	-	6 Month IRA CD
OTHER TIERS: 4.70% → $500 - $10k \| 4.75% → $10k - $25k
4.25%^*	$25k^*	-	12 Month IRA CD
OTHER TIERS: 4.15% → $500 - $10k \| 4.20% → $10k - $25k
3.75%^*	$25k^*	-	3 Month IRA CD
OTHER TIERS: 3.69% → $500 - $10k \| 3.70% → $10k - $25k
3.55%^*	$25k^*	-	60 Month IRA CD
OTHER TIERS: 3.45% → $500 - $10k \| 3.50% → $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
Branch Office	536 Washington Ave	Nutley, NJ 07110
Branch Office	3504 Forestdale Dr	Burlington, NC 27215-4693
Branch Office	173 Bloomfield Ave	Nutley, NJ 07110
Branch Office	433 Kingsland St	Nutley, NJ 07110

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