Nutley Area Businesses & Organizations

The Future is Easier With A Proponent.

Welcome, Nutley, NJ Area Businesses & Organizations!

Proponent Federal Credit Union has been providing exclusive borrowing options as an alternative to for-profit banks for over 50 years. We are not-for-profit and member owned, which means lower rates, fewer fees, and more personalized service with tailored consultations. We offer a full suite of financial products and services, from Auto to Home Loans. Additionally, members enjoy enhanced virtual and digital banking features to meet their unique needs, 24/7. Everywhere Together.


  • Get $50 on us! – We’ll help build your new Membership by matching the $50 minimum balance requirement of your Membership Account when you open a credit card or loan with us!
  • Auto Loans – Get a .50% Rate Discount on New, Used, and Refinance Auto Loans1. Flexible terms up to 96 months and no application fee.
  • Personal Loans – Special rate of 5.99% APR2. Loans up to $20,000 for qualified applicants, and we’ll waive the $25 application fee.
  • Mortgages – $500 discount on the mortgage origination fee3. No cost pre-approvals, low closing costs, and 3% down payment options are available.

When applying for these offers use promo code NUT22 during checkout.

More great benefits:

  • Deposits – Savings, Checking, and Certificates.
  • ATMs Worldwide – Access to over 55,000 surcharge-free ATMs in the Allpoint Network
  • TrueStage Insurance – Life insurance without all the hassle. No medical exams or tests—just a few questions.
  • Proponent’s Auto Showroom – Take the guesswork out of car shopping. Search for a vehicle that fits your budget.
  • Digital Banking – 24/7 access with mobile check deposit, ProRewards, external transfers, online bill pay, Personal Finance Manager and more!

Want to learn more about Proponent?

Connect with a Member Relationship Executive

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24/7 Service or Mobile App

Apply for loans, open accounts, remote deposits, bill pay, transfers, and view balances

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By Phone


9:00 A.M. – 5:00 P.M.

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536 Washington Ave. Nutley, NJ 07110

Drive-Thru Hours:
Monday-Friday 8:30am – 5:00pm


Tap into what you own. You’ve invested in your home and can easily tap into its value. Access low interest funds for that next home improvement, debt consolidation or purchasing whatever your life circumstances warrant.

We offer two types of home equity loans:

  • Fixed Home Equity Loans
  • Home Equity Line of Credit (HELOC)



Unique benefits that cater to you.

  • No-Fee Balance Transfers
  • Cash Advantage
  • No Annual Fees
  • ProRewards


Your future home awaits

Whether it’s your first, a relocation or just plain right-sizing, we’re here.

  • No cost pre-approval
  • Financing available with as little as 3% down-payment.
  • Low closing costs
  • Rate lock with float down*
  • Rate buy downs
  • Quick processing


Fasten a reliable Auto Loan.

No hidden fees, and flexible terms up to 96 months. Save money with a lender that truly has your best interests in mind.


Feel inspired with terms up to 60 months.

Proponent understands that sometimes life has drawbacks. That’s why we offer personal loans to bring out your creative side for any purpose. As your advocate, we make it easier on your wallet by offering terms up to 60 months.

Find a surcharge-free ATM near you

Good news! Now you can withdraw money surcharge-free from any of the 55,000 Allpoint Network ATMs worldwide. Proponent has partnered with Allpoint to make it convenient to access your Proponent accounts or withdraw money. Enter your zip code or city to find an ATM near you.

Offer available to select new Members. Limit one Credit Card or Loan (Mortgage, Home Equity, Auto, Personal) related reward/premium per Member. Membership eligibility required. $50 credited upon loan closing. Not eligible for the $50 if the loan is denied. Account is subject to approval. Promotion length is at the discretion of the Credit Union and subject to change. Promotion requires a promo code distributed to qualified applicants. A Credit Card balance transfer of at least $1000 or use card within 3 months with transactions of at least $1000. HELOC transactions of at least $1000 within 3 months are required. Subject to approval.

*Rate lock period is for members who have been preliminarily approved and are in contract to purchase or refinance a property with a closing date within 60 days. The benefit allows for one float down for applicants to re-lock their interest rate should rates decrease during the lock period of 60 days from contract receipt. Members will not incur any additional costs to utilize the benefit. Proponent reserves the right to modify or discontinue products and benefits at any time without notice.

1APR = Annual Percentage Rate. Offer only available to select new Members and valid 60 days from date of membership. 0.50% rate discount is valid on all new, used and refinanced vehicles not currently financed with Proponent.  Offer cannot be combined with any other offer. APR is based on credit worthiness, loan type, loan to value and term of the loan. Rate cannot be lower than 1.49%. Example monthly payment for a $20,000 New Auto loan at 1.49% for 48 months would be $429.49. Other restrictions may apply. Financing available up to 96 months on a New vehicle loan and 84 months on a Used, Refinance or Recreational vehicle loan. Rate and terms subject to change. Up to 100% financing available, based on NADA “retail” value. Restrictions apply on financing a vehicle with a Loan to Value over 100%. Length of promotion is at Proponent’s discretion. Promotion requires a promo code distributed to qualified applicants.

2APR = Annual Percentage Rate. 5.99% Personal loan offer is available to select new Members and valid 60 days from date of membership.  Credit score of 640 or higher required based on scoring model used by Proponent. APR and loan amount vary due to an individual’s credit worthiness.  Maximum loan amount is $20,000.  Example monthly payment for a $20,000 loan at 5.99% APR for 60 months would be $386.59.  Promotion length is at the discretion of the Credit Union and subject to change. Promotion requires a promo code distributed to qualified applicants.

3Offer only available to select new Members and valid 60 days from date of membership.  $500 credited upon loan closing. Promotion length is at the discretion of the Credit Union and subject to change.