Proponent Credit Union Nutley NJ | Low Mortgage Rates & Auto Loans

Introduction

At Proponent, we believe in putting our members first. Located at 433 Kingsland St, Nutley, NJ 07110, our Kingsland Branch has been a trusted financial partner since 1971. With a total membership of over 18,842 individuals, we are dedicated to providing personalized financial solutions that meet the unique needs of our community. As a member-owned credit union, we pride ourselves on transparency and reliability. Our total assets stand strong at $501,101,511, reflecting our commitment to your financial growth and stability. We have issued approximately 13,700 loans and leases, amounting to a significant contribution to the local economy. Our leadership team is here to support you every step of the way. Under the guidance of our CEO, Debra VanDorn, and Board President, Sharon Delaney, we strive to foster a welcoming environment where everyone feels valued. Our friendly staff of 65 employees is ready to assist you with everything from personal banking services to business loans. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 433 Kingsland St., Nutley, NJ 7110. With total deposits reaching $15,774,502 and a net worth of $72,346,938, Proponent stands as a pillar of financial security in Nutley. We invite you to explore what we have to offer whether it's opening a checking account or securing an auto loan. Connect with us today! Call us at 973-798-4830 or visit our website at www.profcu.org for more information about how we can serve you better. Together, let's build a brighter financial future!

Branch History & Mission

At Proponent, our story began in 1971 when we opened our doors in Nutley, NJ. With a commitment to serving our community, we have grown from a small local credit union into a trusted financial partner for over 18,800 members. Our branch at 433 Kingsland St is not just a place for transactions; it's where relationships are built and dreams are nurtured. Over the years, Proponent has evolved significantly. From humble beginnings, we have expanded our services and embraced technology to meet the needs of our diverse membership. Today, we proudly manage total assets exceeding $501 million, ensuring that we have the resources to support our members' financial goals. Our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of community. We believe that everyone deserves access to affordable banking options, whether it's personal accounts, auto loans, or business financing. At Proponent, we are dedicated to empowering our members with the tools they need to succeed financially. We understand that convenience matters. That's why we offer both ATM services and drive-thru banking at our location. Our operating hours from Monday to Friday allow flexibility for busy schedules, ensuring that you can always find time to manage your finances with ease. In addition to our core banking services, Proponent actively participates in community outreach initiatives. We strive to be more than just a credit union; we aim to be an integral part of Nutley's vibrant community. Our partnerships with local organizations enable us to give back and support those in need. While members can visit us at 433 Kingsland St., official correspondence should be sent to 433 Kingsland St., Nutley, NJ 7110 if different from our branch address. As we look toward the future, we remain committed to innovation and accessibility. Whether through online banking or mobile applications, we're here to make your banking experience as smooth as possible. Join us at Proponent today! Experience firsthand how we can help you achieve your financial aspirations while being part of a supportive community network. For more information or assistance, feel free to reach out at 973-798-4830.

Branch Location & Accessibility

Welcome to the Proponent Kingsland Branch, your friendly neighborhood credit union located at 433 Kingsland St, Nutley, NJ 07110. Nestled in the heart of Essex County, our branch is easily accessible and conveniently situated near local landmarks such as the Nutley Public Library and parks that make this community vibrant. We're committed to making your banking experience smooth and straightforward. Our branch features ample parking and ADA-compliant accessibility options, ensuring that everyone can visit us with ease. Whether you're driving through our drive-thru for quick transactions or stepping inside for personalized service, we're here to help. Our operating hours are designed to fit your busy schedule open Monday through Friday from 9 AM to 5 PM. If you need assistance outside of these hours, don't hesitate to give us a call at 973-798-4830. Our friendly staff is always ready to assist you with any questions about our services, which include personal banking accounts, auto loans, mortgage options, and more. For those on the go, we offer ATM services right here at our branch. So whether you need cash or want to check your balance, we've got you covered! While members can visit us at 433 Kingsland St., official correspondence should be sent to the same address for efficiency. We invite you to stop by and see how we can support your financial needs today!

Member Eligibility

At Proponent, we believe that becoming a member means joining a community where your financial well-being is our top priority. If you're looking to enjoy personalized service and a range of financial products tailored just for you, you're in the right place! Membership at Proponent is open to those who live, work, worship, or attend school in our local area. This inclusive approach means that anyone connected to our vibrant community can benefit from the support and resources we offer. To take the next step towards membership, simply visit us at 433 Kingsland St Nutley Nj 07110 or give us a call at (973) 798-4830. Our friendly staff will guide you through the account opening process, which is designed to be straightforward and welcoming. For more details on eligibility requirements, feel free to check out this resource: . We're excited to have you join our family at Proponent!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services designed to streamline your operations. Picture this: your customers can pay easily with credit cards or mobile payments at the point of sale. This not only enhances customer satisfaction but also increases your sales potential. With our support, you can focus more on growing your business while we handle the financial details. Located conveniently at 433 Kingsland St Nutley Nj 07110, Nutley, NJ, our dedicated team is here to help you navigate your business banking needs. Let's work together to turn your goals into reality! For more information or assistance, call us at (973) 798-4830.

Our Commitment to Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $31 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,482,206, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing options make it easy for you to get behind the wheel. With competitive rates and flexible terms, you can drive away knowing you've made a smart financial choice. Our team is ready to guide you through the application process so you can find the loan that fits your budget.

Business Banking Services

For small business owners, we offer comprehensive Business Banking services including merchant services and business loans. These tools are essential for managing cash flow and expanding operations while keeping your business on solid financial ground.

Convenient Access Points

We understand that convenience matters. That's why we have an ATM available for easy cash withdrawals and balance checks right when you need them. If you prefer face-to-face interactions, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car. At Proponent, we're committed to making banking as simple as possible for our members in Nutley, NJ and beyond. If you're ready to explore all the ways we can support your financial goals, give us a call at (973) 798-4830 or visit us today! We look forward to welcoming you into our community and helping you thrive financially!

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards program! Earn points on everyday purchases that can be redeemed for travel, cash back, or other exciting rewards. It's a simple way to make your spending work for you.

Mortgage Loans & Refinancing

Are you thinking about buying a home or refinancing your current mortgage? At Proponent, we offer Mortgage Loans & Refinancing solutions that can help you achieve your homeownership dreams. Our knowledgeable staff will assist you in finding the best mortgage product for your situation, whether you're a first-time buyer or looking to lower your monthly payments.

Personal Banking Solutions

For individuals seeking reliable banking options, we offer Personal Banking services that include checking and savings accounts designed for everyday needs. Imagine managing your finances effortlessly with online and mobile banking features. You can check balances, transfer funds, and pay bills right from your device. Plus, our e-statements keep your information organized without the clutter of paper.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide Personal Loans & Debt Consolidation options to help ease financial burdens. Whether it's funding a major purchase or consolidating debt into one manageable payment, our loans are designed with your needs in mind.

Digital & Online Banking

Key Services for Your Convenience

Our 24/7 online banking services allow you to check your account balances, transfer funds, and manage your transactions whenever it suits you. No more waiting in lines or worrying about banking hours! If you're on the go, our mobile application makes it easy to handle your banking right from your phone. You can also enjoy the flexibility of person-to-person transfers, making it simple to send money to friends or family without any hassle. Security is a top priority for us at Proponent. We offer electronic signature authorization, which means you can sign documents securely from the comfort of your home. Plus, with e-statements available, you'll have an eco-friendly way to keep track of your finances without cluttering up your inbox.

User-Friendly Experience

Our digital banking platform is user-friendly and designed for everyone. Whether you're tech-savvy or just starting out with online banking, you'll find navigating through our services straightforward. Real-time account management means that you can stay updated on your financial status at all times, ensuring peace of mind. With these features combined, managing your money has never been easier or safer. Join us at Proponent and experience the future of banking today!

Financial Strength

Commitment to Operational Efficiency

Our financial performance reflects our operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We are proud to employ 65 full-time employees and 0 part-time employees who are dedicated to serving you with knowledge and commitment.

Growing Member Base

We also have 43,611 total share accounts which show a strong and growing member base that trusts us with their finances. As we look ahead, we remain committed to maintaining the highest standards of service while ensuring the financial strength that our members deserve. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Proponent is your trusted partner. Visit us at 433 Kingsland St Nutley Nj 07110 or call (973) 798-4830 to learn more about how we can help you achieve your financial goals.

Reinvestment in Member Services

With $70,873,227 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors; we currently have $2,181 in used auto loans and $410,937,176 in total loans and leases.

Secure Savings Options

Members' savings are secured through $166,048,179 in share certificates and $48,537,622 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members over traditional banking practices; with non-member deposits at $0, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $72,346,938, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,444 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $34,499,599 in used vehicle loans and $9,442,910 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have flexible terms that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $2,482,206 provide the capital needed to grow and expand. We understand how crucial it is for businesses to have access to funds when they need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $84,765,213, make buying or refinancing simple. We provide competitive rates and guidance throughout the process to ensure you feel comfortable every step of the way.

Refinancing Options

If you're looking to lower your monthly payments or tap into your home's equity, consider our refinancing options. We provide personalized assistance to help you determine if refinancing is right for you. At Proponent, we're dedicated to supporting our members through every financial journey. For more information on our loan offerings or to speak with one of our representatives, feel free to reach us at (973) 798-4830 or visit us at 433 Kingsland St Nutley Nj 07110 in Nutley, NJ. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, but our unsecured credit card loans can help. With a total of $24,508,999 in loans assisting members in managing their finances effectively, we offer flexible terms designed for your convenience.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This rigorous sourcing process ensures that you receive fair and transparent offers. Each lender featured on LendMesh has been vetted for compliance, so you can trust that the information presented is both accurate and reliable.

Proponent