Proponent Credit Union
Verified rate book
Current Proponent Credit Union rates
88 published offers verified as of August 4, 2026.
Mortgage rates
18 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.125% APR | 6.125% | — | Standard |
| 30-Year Fixed30 year fixed | 6.250% APR | 6.250% | — | Standard |
| 15-Year Fixed15 year fixed | 5.625% APR | 5.625% | — | Standard |
| 15-Year Fixed15 year fixed | 5.699% APR | 5.625% | — | Standard |
| 15-Year Fixed15 year fixed | 6.500% APR | 6.500% | — | Standard |
| 10-Year Fixed10 year fixed | 5.500% APR | 5.500% | — | Standard |
| Fixed for 10 years and then adjusts yearly.10 year fixed | 5.750% APR | 5.750% | — | Standard |
| 20-Year Fixed20 year fixed | 5.875% APR | 5.875% | — | Standard |
| 20-Year Fixed20 year fixed | 5.935% APR | 5.875% | — | Standard |
| 7/1 ARM7 1 arm | 6.095% APR | 5.500% | — | Standard |
| 10/1 ARM10 1 arm | 6.096% APR | 5.750% | — | Standard |
| 5/1 ARM5 1 arm | 6.130% APR | 5.250% | — | Standard |
| 10-Year Fixed10 year fixed | 6.250% APR | 6.250% | — | Standard |
| 3/1 ARM3 1 arm | 6.254% APR | 5.000% | — | Standard |
| 20-Year Fixed20 year fixed | 6.875% APR | 6.875% | — | Standard |
| Fixed for 3 years and then adjusts yearly.other | 5.000% APR | 5.000% | — | Standard |
| Fixed for 5 years and then adjusts yearly.other | 5.250% APR | 5.250% | — | Standard |
| Fixed for 7 years and then adjusts yearly.other | 5.500% APR | 5.500% | — | Standard |
Auto & vehicle rates
34 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.490% APR | 4.490% | — | Standard |
| Auto Loan, Lease Buyoutauto | 4.490% APR | 4.490% | — | Standard |
| Auto Loan, Refinanceauto | 4.490% APR | 4.490% | — | Standard |
| New Auto Loanauto_new | 4.490% APR | 4.490% | new | Standard |
| New Auto Loanauto_new | 4.490% APR | 4.490% | new | Standard |
| Auto Loan, Lease Buyoutauto | 4.740% APR | 4.490% | — | Standard |
| Auto Loan, Refinanceauto | 4.740% APR | 4.490% | — | Standard |
| 48-Month Auto Loan, Lease Buyoutauto_any_48mo | 4.740% APR | 4.490% | 48 mo | Standard |
| 60-Month New Auto Loanauto_new_60mo | 4.740% APR | 4.740% | 60 mo · new | Standard |
| 48-Month New Auto Loanauto_new_48mo | 4.740% APR | 4.490% | 48 mo · new | Standard |
| New Auto Loanauto_new | 4.740% APR | 4.490% | new | Standard |
| 84-Month Auto Loan, Refinanceauto_any_84mo | 4.740% APR | 5.240% | 84 mo | Standard |
| 84-Month Auto Loan, Lease Buyoutauto_any_84mo | 4.740% APR | 5.240% | 84 mo | Standard |
| 72-Month Auto Loan, Refinanceauto_any_72mo | 4.740% APR | 4.990% | 72 mo | Standard |
| 84-Month New Auto Loanauto_new_84mo | 4.740% APR | 5.240% | 84 mo · new | Standard |
| 72-Month New Auto Loanauto_new_72mo | 4.740% APR | 4.990% | 72 mo · new | Standard |
| 72-Month Auto Loan, Lease Buyoutauto_any_72mo | 4.740% APR | 4.990% | 72 mo | Standard |
| 96-Month New Auto Loanauto_new_96mo | 4.740% APR | 5.740% | 96 mo · new | Standard |
| 60-Month Auto Loan, Refinanceauto_any_60mo | 4.740% APR | 4.740% | 60 mo | Standard |
| 60-Month Auto Loan, Lease Buyoutauto_any_60mo | 4.740% APR | 4.740% | 60 mo | Standard |
| 48-Month Auto Loan, Refinanceauto_any_48mo | 4.740% APR | 4.490% | 48 mo | Standard |
| Used Auto Loanauto_used | 4.990% APR | 4.990% | used | Standard |
| Used Auto Loanauto_used | 5.240% APR | 4.990% | used | Standard |
| 72-Month Used Auto Loanauto_used_72mo | 5.240% APR | 5.490% | 72 mo · used | Standard |
| 84-Month Used Auto Loanauto_used_84mo | 5.240% APR | 5.740% | 84 mo · used | Standard |
| 48-Month Used Auto Loanauto_used_48mo | 5.240% APR | 4.990% | 48 mo · used | Standard |
| 60-Month Used Auto Loanauto_used_60mo | 5.240% APR | 5.240% | 60 mo · used | Standard |
| Recreational / Sport Vehicle 2rv | 7.490% APR | 7.490% | — | Standard |
| Recreational / Sport Vehicle 2rv_any_60mo | 7.740% APR | 7.740% | 60 mo | Standard |
| Recreational / Sport Vehicle 2rv_any_84mo | 7.740% APR | 8.240% | 84 mo | Standard |
| Recreational / Sport Vehicle 2rv_any_48mo | 7.740% APR | 7.490% | 48 mo | Standard |
| Auto Loan (Recreational / Sport Vehicle 2)rv | 7.740% APR | 7.490% | — | Standard |
| Recreational / Sport Vehiclepowersports | 7.740% APR | 7.740% | — | Standard |
| Recreational / Sport Vehicle 2rv_any_72mo | 7.740% APR | 7.990% | 72 mo | Standard |
HELOC rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 3.990% APR | 3.990% | — | Standard |
| 5-Year Home Equity Loan (Fixed)heloc_fixed | 6.000% APR | 6.000% | — | Standard |
| 5-Year Home Equity Loan (Fixed)heloc_fixed | 6.000% APR | 6.000% | — | Standard |
| 10-Year Home Equity Loan (Fixed)heloc_fixed | 6.250% APR | 6.250% | — | Standard |
| HELOC (Variable)heloc_variable | 6.250% APR | 6.250% | — | Standard |
| 15-Year Home Equity Loan (Fixed)heloc_fixed | 6.500% APR | 6.500% | — | Standard |
| 20-Year Home Equity Loan (Fixed)heloc_fixed | 6.875% APR | 6.875% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Line of Creditploc_variable | 6.250% APR | 6.250% | — | Standard |
| Homeowner Plus Loanpersonal | 7.625% APR | 7.625% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 7.625% APR | 7.625% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 12.990% APR | 12.990% | — | Standard |
Savings & CD rates
25 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Checking Accounts ((Balances of $0.00 - $9,999.99))savings | 0.05% APY | 0.05% | — | Standard |
| Platinum Checkingsavings | 0.05% APY | 0.05% | — | Standard |
| Savings Accounts ((Balances of $500 - $9,999.99))savings | 0.10% APY | 0.10% | — | Standard |
| Checking Accounts ((Balances of $10,000 - $49,999.99))savings | 0.10% APY | 0.10% | — | Standard |
| Savings Accounts (You-Name-It Savings)savings | 0.10% APY | 0.10% | — | Standard |
| Checking ($50,000+)savings | 0.20% APY | 0.20% | — | Standard |
| Pro Savingssavings | 0.75% APY | 0.75% | — | Standard |
| Savings Accounts ((Balances of $10,000 - $24,999.99))savings | 0.75% APY | 0.75% | — | Standard |
| Savings ($25,000+)savings | 1.20% APY | 1.19% | — | Standard |
| 12-Month Certificateshare_certificate_12mo | 2.90% APY | 2.86% | 12 mo | Standard |
| (Balances of $500 - $9,999.99)cd_48mo | 2.90% APY | 2.86% | 48 mo | Standard |
| (Balances of $10,000 - $24,999.99)savings | 2.90% APY | 2.90% | — | Standard |
| Certificates & IRA S ((Balances of $500 - $9,999.99))ira_cd | 2.90% APY | 2.86% | — | Standard |
| (Balances of $500 - $9,999.99)cd_60mo | 2.90% APY | 2.90% | 60 mo | Standard |
| Certificates & IRA S ((Balances of $10,000 - $24,999.99))ira_cd | 2.95% APY | 2.91% | — | Standard |
| (Balances of $25,000+)savings | 2.95% APY | 2.95% | — | Standard |
| (Balances of $10,000 - $24,999.99)cd_60mo | 2.95% APY | 2.95% | 60 mo | Standard |
| (Balances of $10,000 - $24,999.99)cd_48mo | 2.95% APY | 2.91% | 48 mo | Standard |
| 48-Month Certificate ($25,000+)cd_48mo | 3.00% APY | 2.96% | 48 mo | Standard |
| 60-Month Certificate ($25,000+)cd_60mo | 3.00% APY | 3.00% | 60 mo | Standard |
| Certificates & IRA S ((Balances of $25,000+))ira_cd | 3.00% APY | 2.96% | — | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.15% APY | 3.11% | 6 mo | Standard |
| (Balances of $500 - $9,999.99)savings | 3.15% APY | 3.15% | — | Standard |
| Maximize your savings with Share Certificates (Rate)share_certificate | 3.35% APY | 3.35% | — | Standard |
| 3-Month Certificateshare_certificate_3mo | 3.40% APY | 3.35% | 3 mo | Standard |
As of August 4, 2026, Proponent Credit Union offers a 30-year fixed mortgage at 6.125% APR. Vehicle loans available from 4.49% APR. HELOC rates from 3.99% APR. Personal loan rates from 6.25% APR. Savings and certificate yields up to 3.40% APY.
Source: RateAPI.dev, verified from Proponent Credit Union's official website
Latest available market position · Snapshot August 1, 2026
Proponent Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other NJ credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| 30-Year Fixed Mortgage (purchase) | 6.13% APR | #3 of 14 · top 22% | 5.25% | 6.41% | 29 bp better than state median |
| New Auto Loan (best offer, cars) | 3.99% APR | #7 of 37 · top 19% | 3.49% | 4.99% | 100 bp better than state median |
| Used Auto Loan (best offer, cars) | 4.49% APR | #5 of 35 · top 15% | 3.99% | 5.00% | 51 bp better than state median |
| HELOC (best offer) | 3.99% APR | #1 of 35 · top 3% | 3.99% | 5.99% | 200 bp better than state median |
| Personal Loan (unsecured, best offer) | 6.25% APR | #6 of 57 · top 11% | 4.75% | 9.49% | 324 bp better than state median |
| 12-Month CD (best APY) | 2.90% APY | #11 of 17 · top 65% | 4.00% | 3.00% | 10 bp behind state median |
Loading branch locator…
About Proponent Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 18.6K
- Assets
- $518.6M
- Founded
- 1971
- Locations reported
- 4
- NCUA charter
- 20448
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- Bilingual services
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Proponent Credit Union
Membership eligibility from Proponent Credit Union's own published criteria. How we verify this.
Membership via employers (Companies in the ON3 Business Park +3 more) or the Holy Family Church of Nutley, NJ +1 more
- EmployerCompanies in the ON3 Business Park, Township of Nutley, NJ, LabCorp, Roche
- AssociationHoly Family Church of Nutley, NJ, Friends of The Nutley Public Library
Cost to join: About $5.
Verified from Proponent Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Proponent Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Proponent Credit Union ranks against New Jersey peers.
Frequently Asked Questions
What rates does Proponent Credit Union offer?
Proponent Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Proponent Credit Union rates updated?
RateAPI verifies Proponent Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Proponent Credit Union's rate data?
Rate data is collected directly from Proponent Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Proponent Credit Union's mortgage rate?
As of August 4, 2026, Proponent Credit Union offers a 30-year fixed mortgage at 6.125% APR.
What are Proponent Credit Union's auto, rv & powersports loan rates?
As of August 4, 2026, Proponent Credit Union offers vehicle loans from 4.49% APR.
What is Proponent Credit Union's HELOC rate?
As of August 4, 2026, Proponent Credit Union offers home equity lines of credit from 3.99% APR.
What is Proponent Credit Union's personal loan rate?
As of August 4, 2026, Proponent Credit Union offers personal loans from 6.25% APR.
What is Proponent Credit Union's best CD rate?
As of August 4, 2026, Proponent Credit Union offers savings and certificate (CD) yields up to 3.40% APY.
Related Rate Data
Compare Proponent Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Proponent Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when New Jersey credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Proponent Credit Union
curl "https://api.rateapi.dev/credit-unions/new-jersey/proponent" \
-H "Authorization: Bearer YOUR_API_KEY"