Enter Title

Rates

{{Label}}

Rates are effective as of April 1, 2013.

Product
RATE
All Rates Subject to
Change Without Notice
APY
Annual Percentage Yield
Regular Share Account 0.10% 0.10%
High Yield Savings Account
(Balances of $0-$999) 0.10% 0.10%
(Balances of $1000+) 0.20% 0.20%
Trust Savings Account 0.10% 0.10%
Custodial Savings Account 0.10% 0.10%
Vacation Holiday Savings Account 0.10% 0.10%
IRA Savings Account
(Balances of $0-$9,999) 0.10% 0.10%
(Balances of $10,000 - $24,999) 0.20% 0.20%
(Balances of $25,000 - $49,999) 0.25% 0.25%
(Balances of $50,000+) 0.35% 0.35%
Money Market Account
(Balances of $0-$2,499) 0.10% 0.10%
(Balances of $2,500-$9,999) 0.15% 0.15%
(Balances of $10,000-$49,999) 0.20% 0.20%
(Balances of $50,000+) 0.25% 0.25%

Rates are effective as of April 1, 2012.

Product
RATE
All Rates Subject to
Change Without Notice
APY
Annual Percentage Yield
E-Pro Checking 0.00% 0.00%
Pro Checking 0.00% 0.00%
Pro 60 Checking* 0.05% 0.05%
Platinum Checking
(Balances of $0 - $9,999) 0.05% 0.05%
(Balances of $10,000 - $49,999) 0.10% 0.10%
(Balances of $50,000+) 0.20% 0.20%

Rates are effective as of January 1, 2016.

Product
Rate*
Proponent Visa 8.50%
Proponent Visa Signature 11.50%

* The annual percentage rate that you receive on a particular Visa Credit Card Program may vary due to an individual's credit worthiness. After that, your APR will vary with the market based on the Prime Rate published in the Wall Street Journal.

Rates are effective as of August 15, 2016.

Up to 48 Months1
49 to 60 Months1
61 to 72 Months1
73 to 84 Months1
New Auto
1.99% 2.49% 2.99% 3.49%
Used Auto
2.49% 2.99% 3.49% --
Auto Refinance
2.49% 2.99% 3.49% --
Recreational and Sport Vehicle2
4.49% 4.99% 5.49% --

1APR = Annual Percentage Rate. All rates are based on an evaluation of credit history, so your rate may differ. All Rates Subject to Change Without Notice.

2New and used Motorcycle, RV, boat, snowmobile, and all terrain vehicles.

New Auto, Used Auto, Auto Refinance and Recreational and Sport Vehicle rates include 0.25% Premium Benefit Discount.

About the Discounts:

Premium Benefits Rate: Requires enrollment in our Premium Benefits Service Pack

Other things you should know:

New cars: we finance 100% of total transaction price (includes price of vehicle, warranties, etc.) of new vehicle purchases.

Used cars and Recreational and Sports Vehicles: we finance up to 100%, based on NADA retail value or the purchase price, whichever is lower.

Retail value of vehicle must be $5000.00 or greater

Rates are effective as of January 4, 2017.

Regular Certificates

($1,000 minimum to open)

TERM Standard Rate Premium Benefits Rate
 
RATE
All rates subject to change without notice and are for retail accounts only.
APY
Annual Percentage Yield
RATE
All rates subject to change without notice and are for retail accounts only.
APY
Annual Percentage Yield
1 month 0.35% 0.35% 0.45% 0.45%
3 months 0.40% 0.40% 0.50% 0.50%
6 months 0.45% 0.45% 0.55% 0.55%
9 months 0.55% 0.55% 0.65% 0.65%
12 months 0.65% 0.65% 0.75% 0.75%
12 months tax deferred 0.65% 0.65% 0.75% 0.75%
24 months 1.19% 1.20% 1.29% 1.30%
30 months 1.39% 1.40% 1.49% 1.50%
42 months 1.64% 1.65% 1.74% 1.75%
60 months 1.89% 1.90% 1.99% 2.00%

Standard Rate: All members qualify for our standard rates.

Premium Benefits Rate: Requires enrollment in our Premium Benefits Service Pack


New Money Certificates

($1,000 minimum to open)

Funds that are not already on deposit with Proponent

TERM Standard Rate Premium Benefits Rate
 
RATE
All rates subject to change without notice and are for retail accounts only.
APY
Annual Percentage Yield
RATE
All rates subject to change without notice and are for retail accounts only.
APY
Annual Percentage Yield
6 months 0.50% 0.50% 0.60% 0.60%

Standard Rate: All members qualify for our standard rates.

Premium Benefits Rate: Requires enrollment in our Premium Benefits Service Pack


Combo Certificates

($2,000 minimum to open)

A group of 4 traditional certificate accounts which are linked together.

TERM Standard Rate Premium Benefits Rate
 
RATE
All rates subject to change without notice and are for retail accounts only.
APY
Annual Percentage Yield
RATE
All rates subject to change without notice and are for retail accounts only.
APY
Annual Percentage Yield
3 months 0.35% 0.35% 0.45% 0.45%
6 months 0.40% 0.40% 0.50% 0.50%
9 months 0.55% 0.55% 0.65% 0.65%
12 months 0.65% 0.65% 0.75% 0.75%

Standard Rate: All members qualify for our standard rates.

Premium Benefits Rate: Requires enrollment in our Premium Benefits Service Pack

Rates are effective as of March 18, 2016.

Product
Rate(2)
Personal Loan 6.49%
Certificate Pledge Loan Certificate Rate + 2.50%
Variable Share Pledge Loan Current Share Rate +2.50%

* (2) All Rates Subject to Change Without Notice. The Annual Percentage Rate may vary from the above due to an individual's credit worthiness and other factors. Information concerning specific criteria used is available at the credit union. Certain other restrictions may apply.

Rates are effective as of March 28, 2017.

Home Equity Fixed

Product
Standard
Rate
Rate with
1 Discount
Rate with
2 Discounts
Rate with
3 Discounts
5 Year Fixed 4.000% 3.750% 3.500% 3.250%
10 Year Fixed 4.375% 4.125% 3.875% 3.625%
15 Year Fixed 4.625% 4.375% 4.125% 3.875%
20 Year Fixed 5.125% 4.875% 4.625% 4.375%

Discounts

0.25% 1st Lien / 0.25% Automatic Payments / 0.25% PBSP


Home Equity Line of Credit (HELOC)

Product
Standard
Rate
Rate with
1 Discount
MAX LOAN AMOUNT
LTV
HELOC 4.00% 3.75% $500,000 80%
HELOC 5.00% 4.75% $500,000 95%

Discounts

0.25% 1st Lien

(1) All Rates Subject to Change Without Notice. The Annual Percentage Rate may vary from the above due to an individual's credit worthiness and other factors. Information concerning specific criteria used is available at the credit union. Certain other restrictions may apply.

Standard Rate: All qualified members are eligible for our standard rates.

Premium Benefits Rate: Requires enrollment in our Premium Benefits Service Pack

Auto Payment is when your loan payment is automatically deducted from your paycheck or from one of your accounts through auto transfer.

1st Lien rate reduction applies when new home equity loan is in first lien position.

*APR = Annual Percentage Rate. 1.99% rate applies only for new advances, and to loans with 95% or less loan to value, 6 months from the open date for new applicants. Rate after 6 months from the open date (new applicants) 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 180 month repayment and interest will be calculated on the advanced balance at the promotional rate while interest on the existing balance will be calculated at the fully indexed rate. Application of payments during the promotional period: Payments will be first applied to satisfy the interest due on the loan. The interest will be calculated on the promotional advances at the promotional interest rate. The interest on the regular loan balance will be calculated at the rate as set forth in the original disclosure. All monies affecting the principal balance will be applied 1st to promotional balance and if any additional funds remain (after the full satisfaction of the promotional balance) they will be applied to the remaining principal on the loan balance. At the end of the promotional period, the total loan balance (the promotional advances plus the regular 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.

Rates are effective as of January 1, 2016.

Savings

Product
RATE
All Rates Subject to
Change Without Notice
Regular Share 0.10%
Money Market Account
(balances $0 - $2,499) 0.10%
(balances $2,500 - $9,999) 0.15%
(balances $10,000- $49,999) 0.20%
(balances $50,000+) 0.25%

Checking

Product
RATE
All Rates Subject to
Change Without Notice
Pro Business 0.00%
Pro Business Xtra 0.05%
Pro Business Max
(balances of $0 - $9,999) 0.05%
(balances of $10,000 - $49,999) 0.10%
(balances of $50,000 +) 0.20%

Regular CDs

($1,000 minimum to open)

Term
RATE
All Rates Subject to
Change Without Notice
3 months 0.20%
6 months 0.25%
12 months 0.40%
24 months 0.70%
36 months 0.95%
60 months 1.54%

Business Visa Credit Cards

Product
RATE
All Rates Subject to
Change Without Notice
Business Visa 12.00%