Proponent Federal Credit Union offers a variety of products and services, including personal checking, personal savings, credit cards, mortgages, home equity loans, personal loans, auto loans, online banking and much more! The word "proponent" in the credit union's name means a trusted advocate - someone who looks out for your best interests. This is... show more
Eligibility
Find out if you are eligible to join Proponent Federal Credit Union.
Proponent Federal Credit Union Reviews
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17%
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2.6
12 reviews
12 reviews
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Proponent Federal Credit Union
Tracy Morrison @Tmorrison232
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1 Star Rating
Set me up to fail. One would think a credit union would have their best interest at heart but in this case they didnt. I never received any heads up on any new payment amount being due after a year of having a credit card with them. I’ve been a member for years and just like that they reported a late payment to the credit burea when I had automatic payments set up for the past year!!! Credit score dropped several points and I called to ask for an explanation because I was very confused and they told me to dispute it and continue to make payments!
We had a loan with Proponent FCU out of Montclair NJ that was going well until the very end. After we made our final payment and zeroed out the loan we stopped logging into their website. We neither never heard anything from Proponent. Well apparently the month after we paid off the loan Proponent added .60 cents to our loan balance for accrued interest. This amount also fell below their $1 threshold that is needed to contact a customer about any unpaid balances. Well it wasn't until we got a notice from our credit monitoring apps that we were 30 and 60 days late on a loan did we learn of what Proponent had done. We contacted proponent and told them how unfair it was to report us late to the bureaus over .60 cents and we were not notified. They took no initiative to fix the matter and told us the responsibility of contacting the bureau to remove the late payments was on us. I for one will never do business with them again.
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Product: Proponent Federal Credit Union Personal Loans
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Proponent Federal Credit Union
Chrishaun @chrishaunb
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4 Star Rating
Verified Customer
Love the card for its low APR due to being a credit union card. However the rewards model is not the best for points banking. The card also has expiration dates on the points that are on the card as well.
The absolute worst bank . They don't have a customer service person after 5 pm weekdays after 2 pm on Saturdays and no one on sundays. They will stop your card from working if they suspect fraud without calling you and you cannot call no one to tell them its you because the bank is closed. They refund no overdraft fees and charge you 10.00 to transfer your money. They ABSOLUTELY do not refund for fraudulent activity.
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Proponent Federal Credit Union
Masul Kavim @formernutley
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4 Star Rating
I love Proponent a lot; great service at the credit union, the friendliest people, easy processes, very clear, and the rewards system for my debit card is awesome, as well as the interest rates. That being said, I have had a lot of trouble with customer service on the phone. A lot of the processes dealing with debit card issues take a lot of time and are quite complicated. I appreciate how much they value security, but it took me two months to finally get my debit card because of various complications and security issues. I live far away now, so that is why this was such an issue.
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Review Proponent Federal Credit Union
Proponent Federal Credit Union Offers
Car Loans
Checking
Credit Cards
Home Equity
Mortgages
Personal Loans
Savings
CDs
Student Loans
Proponent Federal Credit Union Q&A(1 question)
Get answers to your questions about Proponent Federal Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
That depends on a number of factors such as creditworthiness, income and the amount you would like to borrow. You can call Proponent FCU's customer service at 800.457.8058 to discuss more details regarding your eligibility.