100 Metro Blvd, 4th Floor
Nutley, NJ 07110
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Proponent is an NCUA insured institution located in Nutley, NJ. It was founded in 1971 and has approximately $518.62 millions in assets.
Who can join?
Employment Eligibility
If you are an employee or retiree of select employer groups, you are eligible to join.
Family Eligiblity
Immediate family and household members of the employees or retirees of select employer groups are also eligible for membership. Immediate family is defined as grandparents, parents, spouse, siblings, children, or grandchildren (including similar relations through adoption and by marriage). Household member is defined as person permanently living in the same residence and who maintain a single economic unit.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 20448 |
| Date Established | 1971 |
| Assets | $518.62 million |
| Loans | $396.91 million |
| Deposits | $435.97 million |
| Capital | $72.69 million |
Your Current Location: Arizona, AZ 85001
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Your Current Location: Arizona, AZ 85001
There are currently no loan rates available for Proponent
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Note to Proponent
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Below are Proponent branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Phoenix,Arizona
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1736.15 | A | View Lobby Hours | |
| 1739.37 | B | View Lobby Hours | |
| 2040.91 | C | View Lobby Hours | |
| 2044.15 | D | View Lobby Hours | |
| 2069.98 | E | View Lobby Hours | |
| 2074.09 | F | View Lobby Hours |
PROPONENT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of Proponent. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| Proponent | U.S. Average |
|---|---|
| 3.85% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, Proponent had $2,235,639 in non-current loans and $855,755 in owned assets. To cover these potential losses it had $72,690,039 in net worth and $7,564,197 in loans loss reserves. That gives it a Texas Ratio of 3.85%.
| Proponent | U.S. Average |
|---|---|
| 14.02% | 14.48% |
Proponent FCU has a net worth of 14.02% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 28, 2026
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