Credit Cards, Auto Loans, Personal Loans, HELOC, Financial Services, Mortgages, Advocate, Appointments, North Carolina Credit Union, New Jersey Credit Union
WE'VE DISCOUNTED OUR LOANS TO THE LOWEST RATES OF THE YEAR.
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Expires December 31st, 2019.
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Vehicle Loans
As low as 2.49% APR1
- Terms up to 84 months
Browse our Showroom
Credit Card Rates
As low as 9.25% APR2
- No-fee Balance Transfers
- Cash Advantage
- No Annual Fee
- ProRewards
Personal Loans
As low as 7.99% APR3
- Terms up to 60 months
Home Equity Rates
As low as 2.99% APR4
- Borrow up to 95% of the value of your home
- No application fee
- No closing costs

Member benefits designed for you.

Auto Loan Offer

Rates as low as 2.49% APR.1

Credit Card Offer

New Cards. New Features. New Experiences.

Home Equity Offer

Borrow up to 95% of the value of your home with a HELOC

1 APR = Annual Percentage Rate.  APR and credit limit may vary due to an individual’s credit worthiness.  Rates cannot be combined with any other Proponent offer and/or services. Example monthly payment for a $20,000 loan at 2.49% APR for 48 months would be $438.42. Vehicle retail value must be $5,000 or higher. Other restrictions may apply. Promotion is valid on all new used and refinanced vehicles not currently financed at Proponent.  Rate and terms subject to change. The 0.25% rate discount for existing PBSP enrolled members will be honored until 12/31/2019.

2 Visa Application and Solicitation Disclosure

3 APR = Annual Percentage Rate.  APR and credit limit may vary due to an individual’s credit worthiness. Other restrictions may apply. An example monthly payment for a $20,000 personal loan at 7.99% for 60 months would be $406.72. All loans are subject to credit approval. Rate and terms subject to change.

4 APR = Annual Percentage Rate. Rates are subject to change without notice. Restrictions may apply. Rates are for qualified members and are subject to credit approval and loan to value restrictions. Rates may vary depending on credit worthiness and value of your home. The 0.25% rate discount for existing PBSP enrolled members will be honored until 12/31/2019.

The 2.99% HELOC promotional rate applies only for new advances, loans with 95% or less loan to value, and for 6 months from the open date. Refinancing within 24 months of existing Proponent HELOC’s does not qualify for the promotional rate. Rate after 6 months from the open date will float with Prime, under the terms of our credit line agreement. Promotional Information: Your monthly payment during the promotional period will be calculated on the total loan balance at the fully indexed rate. After an advance, the loan will recalculate out to a 240 month repayment and interest will be calculated on the advanced balance at the promotional rate. At the end of the promotional period, the total loan balance will be subject to the prevailing rate as set forth in the original loan documents. Unless otherwise stated all terms and conditions remain as set forth in your original loan documents.