auto loans, auto loan rates, auto refinance rates, heloc rates, home equity rates, certificate rates, cd rates, used car rates, vehicle financing, personal loan rates, car loan rates
Rates

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Rates are effective as of {{CurrentDate}}.

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 $1,000+) 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) 0.15% 0.15%
(Balances of $2,500-$9,999) 0.20% 0.20%
(Balances of $10,000-$49,999) 0.25% 0.25%
(Balances of $50,000+) 0.35% 0.35%

Rates are effective as of {{CurrentDate}}.

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%

* Maintain an average balance of $2,500 to earn interest.

Rates are effective as of {{CurrentDate}}.

Product
Rate*
Proponent Visa 9.75%
Proponent Visa Signature 12.75%

* 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 {{CurrentDate}}.

Product
Up to 48 Months1
49 to 60 Months1
61 to 72 Months1
73 to 84 Months1
New Auto 2.74% 3.24% 3.74% 3.99%
Used Auto 3.24% 3.74% 4.24% --
Auto Refinance 3.24% 3.74% 4.24% --
Recreational and Sport Vehicle2 5.24% 5.74% 6.24% --

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 {{CurrentDate}}.

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 0.75% 0.75% 0.85% 0.85%
6 months 0.90% 0.90% 1.00% 1.00%
9 months 1.15% 1.15% 1.25% 1.25%
12 months 1.44% 1.45% 1.54% 1.55%
12 months tax deferred 1.44% 1.45% 1.54% 1.55%
24 months 1.69% 1.70% 1.79% 1.80%
30 months 1.94% 1.95% 2.03% 2.05%
42 months 2.08% 2.10% 2.18% 2.20%
60 months 2.28% 2.30% 2.38% 2.40%

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 0.95% 0.95% 1.05% 1.05%

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 0.75% 0.75% 0.85% 0.85%
6 months 0.90% 0.90% 1.00% 1.00%
9 months 1.15% 1.15% 1.25% 1.25%
12 months 1.44% 1.45% 1.54% 1.55%

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 {{CurrentDate}}.

Product
Rate(2)
Personal Loan 7.99%
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 {{CurrentDate}}.

Home Equity Fixed

Product
Standard Rate
Rate with 1 Discount
Rate with 2 Discounts
Rate with 3 Discounts
5 Year Fixed 4.375% 4.125% 3.875% 3.625%
10 Year Fixed 5.000% 4.750% 4.500% 4.250%
15 Year Fixed 5.250% 5.000% 4.750% 4.500%
20 Year Fixed 5.875% 5.625% 5.375% 5.125%

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 5.25% 5.00% $500,000 80%
HELOC 6.25% 6.00% $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 Paymentis 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. 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 1.99% 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 180 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.

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