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
Membership Savings 0.10% 0.10%
You-Name-It Savings 0.10% 0.10%
Pro Savings*    
(Balances of $0 - $9,999.99) 0.10% 0.10%
(Balances of $10,000 - $24,999.99) 0.30% 0.30%
(Balances of $25,000+) 0.40% 0.40%

*Pro Savings include Regular, Custodian, Traditional IRA, Roth IRA and Coverdell accounts

Rates are effective as of {{CurrentDate}}.

Product
RATE
All Rates Subject to Change Without Notice
APY
Annual Percentage Yield
Pro Checking 0.00% 0.00%
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 {{CurrentDate}}.

Product
Rate*
Proponent Visa 7.75%
Proponent Visa Signature 10.75%

* 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
85 to 96 Months1
New Auto 2.24% 2.74% 3.24% 3.49% 3.74%
Used Auto 2.74% 3.24% 3.74% 3.99% --
Auto Refinance* 2.24% 2.74% 3.24% 3.49% --
Recreational and Sport Vehicle2 4.74% 5.24% 5.74% 5.99% --

1APR= Annual Percentage Rate. APR is based on credit worthiness and loan term, so your rate may differ. All Rates Subject to Change Without Notice.

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

*APR = Annual Percentage Rate. Auto Refinance Promotion is valid on vehicles not currently financed at Proponent. Rates cannot be combined with any other Proponent offer and/or services. APR and credit limit may vary due to an individual's creditworthiness and the term of the loan. Example monthly payment for a $20,000 Auto Refinance loan, at 2.24% APR for 48 months would be $436.51. Vehicle retail value must be $5,000 or greater. Other restrictions may apply. Financing available up to 84 months. 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%. Offer ends June 30, 2020.

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: Up to 100% financing available, based on NADA “retail” value or the purchase price, whichever is lower.

Retail value of vehicle must be $5000.00 or greater

Restrictions apply on financing a vehicle with a Loan to Value over 100%.

Rates are effective as of {{CurrentDate}}.

Certificates**

($500 minimum to open)

TERM Standard Rate
 
RATE
All rates subject to change without notice and are for retail accounts only.
APY
Annual Percentage Yield
3 months    
(Balances of $500 - $9,999.99) 0.30% 0.30%
(Balances of $10,000 - $24,999.99) 0.35% 0.35%
(Balances of $25,000+) 0.40% 0.40%
6 months    
(Balances of $500 - $9,999.99) 0.40% 0.40%
(Balances of $10,000 - $24,999.99) 0.45% 0.45%
(Balances of $25,000+) 0.50% 0.50%
12 months    
(Balances of $500 - $9,999.99) 0.65% 0.65%
(Balances of $10,000 - $24,999.99) 0.70% 0.70%
(Balances of $25,000+) 0.75% 0.75%
24 months    
(Balances of $500 - $9,999.99) 0.75% 0.75%
(Balances of $10,000 - $24,999.99) 0.80% 0.80%
(Balances of $25,000+) 0.85% 0.85%
36 months    
(Balances of $500 - $9,999.99) 0.80% 0.80%
(Balances of $10,000 - $24,999.99) 0.85% 0.85%
(Balances of $25,000+) 0.90% 0.90%
48 months    
(Balances of $500 - $9,999.99) 0.90% 0.90%
(Balances of $10,000 - $24,999.99) 0.95% 0.95%
(Balances of $25,000+) 1.00% 1.00%
60 months    
(Balances of $500 - $9,999.99) 1.00% 1.00%
(Balances of $10,000 - $24,999.99) 1.05% 1.05%
(Balances of $25,000+) 1.10% 1.10%

**Certificates include Regular, Traditional IRA, and Roth IRA.

Penalties apply for early withdrawals from certificate accounts.
All rates subject to change without notice and are for retail accounts only.
Dividends are compounded daily, credited monthly.


 

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
5 Year Fixed 3.50%
10 Year Fixed 3.75%
15 Year Fixed 4.125%
20 Year Fixed 4.50%

Home Equity Line of Credit (HELOC)

Product
Standard Rate
Max Loan Amount
Loan-To-Value (LTV)
HELOC 4.00%* $500,000 80%
HELOC 5.00% $500,000 95%

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. Other restrictions may apply.

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

APR = Annual Percentage Rate. Rates shown are based on a Fixed Rate Home Equity at 80% loan-to-value (LTV) for owner occupied single family residence. Rates are subject to change without notice. Rates are for qualified members and are subject to credit approval and Loan to Value restrictions. Rates vary depending on credit worthiness, term of loan and value of your home. Fixed Rate Home Equity loans are available up to 95% Loan to Value on 1-4 family primary residence; 85% Loan to Value on condominiums and 80% Loan to Value on second homes and investment properties. 

 

*APR = Annual Percentage Rate. The HELOC interest rate of the Prime Rate minus 0.50% is for new lines with a floor of 4.00%.  The 2.99% annual percentage rate is an introductory fixed rate for the first 6 months for qualified home equity line of credit borrowers. Rate after 6 months from the open date will float with Prime Rate as posted in The Wall Street Journal. Refinancing within 24 months of existing Proponent HELOC’s does not qualify for the promotional rate. 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.  Home Equity Line of Credit loans are available up to 95% Loan to Value on primary residences and up to 85% Loan to Value on condominiums. 

 

The minimum loan amount is $7,500.00 for Home Equity Fixed Rate and Line of Credit loans. State specific tax fees may apply at closing. Homeowner’s insurance is required; flood insurance is required where applicable.

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