Proponent Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

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 4^th largest credit union in the state of New Jersey. It is also the 726^th 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

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	20448
Year Chartered	1971
Employees	64
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.22%
Return on Equity - YTD	-1.74%
Annual Interest Income	$6.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$524.3MM$503MM
Loans	Q1 2025vs Q1 2024	$407.6MM$414.5MM
Deposits	Q1 2025vs Q1 2024	$442.7MM$432.7MM
Equity Capital	Q1 2025vs Q1 2024	$65.9MM$63MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.1MM$6.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$5.2MM$3.7MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

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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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
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$50k^*	-	Platinum Checking
OTHER TIERS: 0.05% → $500 - $10k \| 0.10% → $10k - $50k

Proponent Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	100 Metro Blvd 4th Floor	Nutley, NJ 07110
Branch Office	173 Bloomfield Ave	Nutley, NJ 07110
Branch Office	409 Kingsland St	Nutley, NJ 07110
Branch Office	3504 Forestdale Dr	Burlington, NC 27215-4693

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