Proponent Credit Union

Nutley, New Jersey
Last verified: August 18, 2026
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Verified rate book

Current Proponent Credit Union rates

73 published offers verified as of August 18, 2026.

How we verify rates

Mortgage rates

11 offers
Proponent Credit Union mortgage rates as of August 18, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.296% APR6.250%—Standard
15-Year Fixed15 year fixed5.699% APR5.625%—Standard
15-Year Fixed15 year fixed6.500% APR6.500%—Standard
10-Year Fixed10 year fixed5.605% APR5.500%—Standard
Fixed for 10 years and then adjusts yearly.10 year fixed5.750% APR5.750%—Standard
20-Year Fixed20 year fixed5.935% APR5.875%—Standard
10-Year Fixed10 year fixed6.250% APR6.250%—Standard
20-Year Fixed20 year fixed6.875% APR6.875%—Standard
Fixed for 3 years and then adjusts yearly.other5.000% APR5.000%—Standard
Fixed for 5 years and then adjusts yearly.other5.250% APR5.250%—Standard
Fixed for 7 years and then adjusts yearly.other5.500% APR5.500%—Standard

Auto & vehicle rates

33 offers
Proponent Credit Union auto & vehicle rates as of August 18, 2026
ProductPublishedRateTerm / conditionStatus
New Auto Loanauto_new4.490% APR4.490%newStandard
Auto Loan, Lease Buyoutauto4.490% APR4.490%—Standard
96-Month Auto Loanauto_any_96mo4.490% APR4.490%96 moStandard
Auto Loan, Refinanceauto4.490% APR4.490%—Standard
New Auto Loanauto_new4.490% APR4.490%newStandard
96-Month New Auto Loanauto_new_96mo4.740% APR5.740%96 mo · newStandard
Auto Loan, Lease Buyoutauto4.740% APR4.490%—Standard
Auto Loan, Refinanceauto4.740% APR4.490%—Standard
48-Month Auto Loan, Lease Buyoutauto_any_48mo4.740% APR4.490%48 moStandard
48-Month Auto Loan, Refinanceauto_any_48mo4.740% APR4.490%48 moStandard
60-Month Auto Loan, Lease Buyoutauto_any_60mo4.740% APR4.740%60 moStandard
60-Month Auto Loan, Refinanceauto_any_60mo4.740% APR4.740%60 moStandard
72-Month Auto Loan, Lease Buyoutauto_any_72mo4.740% APR4.990%72 moStandard
72-Month Auto Loan, Refinanceauto_any_72mo4.740% APR4.990%72 moStandard
84-Month Auto Loan, Lease Buyoutauto_any_84mo4.740% APR5.240%84 moStandard
84-Month Auto Loan, Refinanceauto_any_84mo4.740% APR5.240%84 moStandard
New Auto Loanauto_new4.740% APR4.490%newStandard
48-Month New Auto Loanauto_new_48mo4.740% APR4.490%48 mo · newStandard
60-Month New Auto Loanauto_new_60mo4.740% APR4.740%60 mo · newStandard
72-Month New Auto Loanauto_new_72mo4.740% APR4.990%72 mo · newStandard
84-Month New Auto Loanauto_new_84mo4.740% APR5.240%84 mo · newStandard
Used Auto Loanauto_used4.990% APR4.990%usedStandard
72-Month Used Auto Loanauto_used_72mo5.240% APR5.490%72 mo · usedStandard
Used Auto Loanauto_used5.240% APR4.990%usedStandard
48-Month Used Auto Loanauto_used_48mo5.240% APR4.990%48 mo · usedStandard
60-Month Used Auto Loanauto_used_60mo5.240% APR5.240%60 mo · usedStandard
84-Month Used Auto Loanauto_used_84mo5.240% APR5.740%84 mo · usedStandard
Recreational / Sport Vehicle 2rv7.490% APR7.490%—Standard
Auto Loan (Recreational / Sport Vehicle 2)rv7.740% APR7.490%—Standard
Recreational / Sport Vehicle 2rv_any_60mo7.740% APR7.740%60 moStandard
Recreational / Sport Vehicle 2rv_any_72mo7.740% APR7.990%72 moStandard
Recreational / Sport Vehicle 2rv_any_84mo7.740% APR8.240%84 moStandard
Recreational / Sport Vehicle 2rv_any_48mo7.740% APR7.490%48 moStandard

HELOC rates

5 offers
Proponent Credit Union heloc rates as of August 18, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loan (Fixed)heloc_fixed6.000% APR6.000%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed6.000% APR6.000%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed6.250% APR6.250%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed6.500% APR6.500%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed6.875% APR6.875%—Standard

Personal loan rates

4 offers
Proponent Credit Union personal loan rates as of August 18, 2026
ProductPublishedRateTerm / conditionStatus
Personal Line of Creditploc_variable6.250% APR6.250%—Standard
Unsecured Personal Loanpersonal_unsecured7.625% APR7.625%—Standard
Homeowner Plus Loanpersonal7.625% APR7.625%—Standard
Unsecured Personal Loanpersonal_unsecured12.990% APR12.990%—Standard

Savings & CD rates

20 offers
Proponent Credit Union savings & cd rates as of August 18, 2026
ProductPublishedRateTerm / conditionStatus
(Balances of $0.00 - $9,999.99)savings0.05% APY0.05%—Standard
(Balances of $10,000 - $49,999.99)savings0.10% APY0.10%—Standard
Savings Accounts ((Balances of $500 - $9,999.99))savings0.10% APY0.10%—Standard
Savings Accounts (You-Name-It Savings)savings0.10% APY0.10%—Standard
(Balances of $50,000+)savings0.20% APY0.20%—Standard
Savings Accounts ((Balances of $10,000 - $24,999.99))savings0.75% APY0.75%—Standard
(Balances of $25,000+)savings1.19% APY1.19%—Standard
48-Month Certificate ($25,000+)cd_48mo1.20% APY1.19%48 moStandard
Savings ($25,000+)savings1.20% APY1.19%—Standard
60-Month Certificate ($25,000+)cd_60mo1.20% APY1.20%60 moStandard
(Balances of $500 - $9,999.99)savings2.86% APY2.86%—Standard
(Balances of $500 - $9,999.99)cd_60mo2.90% APY2.90%60 moStandard
(Balances of $10,000 - $24,999.99)savings2.90% APY2.90%—Standard
(Balances of $500 - $9,999.99)cd_48mo2.90% APY2.86%48 moStandard
Certificates & IRA S ((Balances of $500 - $9,999.99))ira_cd2.90% APY2.86%—Standard
Certificates & IRA S ((Balances of $10,000 - $24,999.99))ira_cd2.95% APY2.91%—Standard
(Balances of $10,000 - $24,999.99)cd_48mo2.95% APY2.91%48 moStandard
(Balances of $10,000 - $24,999.99)cd_60mo2.95% APY2.95%60 moStandard
Certificates & IRA S ((Balances of $25,000+))ira_cd3.00% APY2.96%—Standard
Maximize your savings with Share Certificates (Rate)share_certificate3.35% APY3.35%—Standard

As of August 18, 2026, Proponent Credit Union offers a 30-year fixed mortgage at 6.296% APR. Vehicle loans available from 4.49% APR. HELOC rates from 6% APR. Personal loan rates from 6.25% APR. Savings and certificate yields up to 3.35% APY.

Source: RateAPI.dev, verified from Proponent Credit Union's official website

Live market position · Rates as of August 19, 2026

Where Proponent Credit Union ranks in New Jersey

How Proponent Credit Union's current published rate compares with other New Jersey credit unions we track in the same product. State best and median come from RateAPI's verified rate book; only products with enough tracked lenders to rank are shown.

Best product positionBetter than the New Jersey median30-year fixed mortgage
Gap to state best17 bp17 bp from state best
Vs. state median12 bp better than median30-year fixed mortgage
Products ranked5across tracked New Jersey markets
Published rate position by product as of August 19, 2026
ProductPublished APRPositionVs. state bestVs. state median
30-year fixed mortgage6.30%Better than the New Jersey median17 bp from state best12 bp better than median
new-car loan4.49%Better than the New Jersey median74 bp from state best51 bp better than median
used-car loan4.99%Better than the New Jersey median100 bp from state best101 bp better than median
HELOC6.00%Better than the New Jersey median126 bp from state best25 bp better than median
personal loan6.25%Better than the New Jersey median425 bp from state best250 bp better than median

This is the public snapshot. Claim Proponent Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up.

See the full breakdown →

Positions compare the best published standard rate for each product; promotional teasers are excluded, auto comparisons are cars-only, and mortgage comparisons are purchase-only. Markets with fewer than five tracked lenders are not ranked.

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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.

AffinityQuest Diagnostics · Clifton · NJ · 07012About 1.8 miles awayXcelXCEL Federal Credit Union · Bloomfield · NJ · 07003About 2.0 miles awayNova UaClifton Office · Clifton · NJ · 07012About 2.2 miles awayEast Orange FiremensEOFFCU · Bloomfield · NJ · 07003About 2.7 miles awayPolish & SlavicClifton Branch · Clifton · NJ · 07013About 3.0 miles awayNewark PoliceMain · Newark · NJ · 07104About 3.9 miles away

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.

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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 18, 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 18, 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 18, 2026, Proponent Credit Union offers a 30-year fixed mortgage at 6.296% APR.

What are Proponent Credit Union's auto & rv loan rates?

As of August 18, 2026, Proponent Credit Union offers vehicle loans from 4.49% APR.

What is Proponent Credit Union's HELOC rate?

As of August 18, 2026, Proponent Credit Union offers home equity lines of credit from 6% APR.

What is Proponent Credit Union's personal loan rate?

As of August 18, 2026, Proponent Credit Union offers personal loans from 6.25% APR.

What is Proponent Credit Union's best CD rate?

As of August 18, 2026, Proponent Credit Union offers savings and certificate (CD) yields up to 3.35% APY.

Related Rate Data

Compare Proponent Credit Union's rates against national credit-union benchmarks.

More New Jersey credit unionsNew Jersey mortgage rate leadersNew Jersey auto loan rate leadersNew Jersey HELOC rate leadersNew Jersey personal loan leadersMortgage rate benchmarkAuto loan rate benchmarkHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Proponent Credit Union
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