Subject to change without notice.

ProFed Rates

Select an item for more information
Deposit Rates Share Certificate Rates Share Certificate Specials
Traditional IRAs Roth IRAs Coverdell Education Savings (ESAs)
Loan Rates Home Equity Loans First Mortgages
Visa Rates Apply for a Loan or Visa Apply for a Mortgage


ProFed Deposit Rates

ProFed Deposit Rates effective 3/17/2017. Subject to change without notice.

Shares
TYPE DIVIDEND RATE APY*
Regular Shares* 0.05% 0.05%
Regular Shares 2 0.05% 0.05%
Regular Shares 3 0.05% 0.05%

*$5.00 minimum opening deposit for primary Regular Share Account. You must maintain a minimum daily balance of $125.00 to earn dividends..

 
Share Drafts
AMOUNT DIVIDEND RATE APY*
Simple Checking* No Dividends N/A
Checking Plus** 0.05% 0.05%

*$25.00 minimum opening deposit. Includes EZ Checking.

**$1,000.00 minimum opening deposit. $1,000.00 minimum balance required to avoid a $7.50 monthly fee.

 
Club Accounts*
TYPE DIVIDEND RATE APY*
Christmas Club 0.05% 0.05%
Name Your Own Club 0.05% 0.05%

*$1.00 minimum opening deposit. You must maintain a minimum daily balance of $125.00 to earn dividends.



Money Market Plus*
AMOUNT DIVIDEND RATE APY*
Up to $2,499.99 0.05% 0.05%
$2,500 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $99,999.99 0.15% 0.15%
$100,000 and Over 0.20% 0.20%

*$2,500.00 minimum opening deposit. You must maintain a minimum daily balance of $125.00 to earn dividends. $2,500.00 minimum balance required to avoid a $10.00 monthly fee.




Health Savings Account (HSA) Checking
AMOUNT DIVIDEND RATE APY*
Up to $999.99 0.05% 0.05%
$1,000.00 - $9,999.99 0.05% 0.05%
$10,000.00 and Over 0.05% 0.05%

*APY=Annual Percentage Yield. You must maintain a minimum daily balance of $125.00 to earn dividends.

**Fees could reduce earnings.

 

ProFed Certificate Rates

ProFed Share Certificate Rates effective 1/1/2015. Subject to change without notice.


Share Certificates
CERTIFICATE MINIMUM OPENING BALANCE DIVIDEND RATE APY*
3 Months $500.00 0.09% 0.10%
6 Months $500.00 0.09% 0.10%
9 Months $500.00 0.09% 0.10%
12 Months $500.00 0.14% 0.15%
18 Months $500.00 0.19% 0.20%
24 Months $500.00 0.29% 0.30%
30 Months $500.00 0.29% 0.30%
36 Months $500.00 0.49% 0.50%
48 Months $500.00 0.69% 0.70%
60 Months $500.00 0.94% 0.95%
 
24 Month
EZ Saver
$25.00 0.29% 0.30%

*APY=Annual Percentage Yield. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your Share Certificate.

 

 

24 Month STAR EZ Saver Share Certificate ($25.00 Minimum)
Available only to Great STARt and Smart STARt Members 
Limit One Per Member 
DIVIDEND RATE APY*
0.29% 0.30%

*APY=Annual Percentage Yield. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your Share Certificate.


 

 

ProFed Certificate Specials

Currently there are no Share Certificate Specials.

ProFed Traditional IRA Rates

ProFed Traditional IRA Rates effective 4/1/2014. Subject to change without notice.

 
Traditional IRA Variable Share Account
  DIVIDEND RATE APY*
Minimum $10.00 0.15% 0.15%
 

*You must maintain a minimum daily balance of $15.00 to earn dividends.

 
Regular IRA Share Certificates ($1,000.00 Minimum)
  DIVIDEND RATE APY*
18 Month 0.20% 0.20%
36 Month 0.49% 0.50%
60 Month 0.94% 0.95%
 

*APY=Annual Percentage Yield. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your IRA Certificate.



 

24 Month EZ Saver IRA Share Certificate
($25.00 Minimum)
  DIVIDEND RATE APY*
   0.29% 0.30%

*APY=Annual Percentage Yield. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your IRA Certificate.

 

60 Month Variable IRA Share Certificate
($1,000.00 Minimum)
  DIVIDEND RATE APY*
   0.49% 0.50%

*APY=Annual Percentage Yield. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your IRA Certificate.

ProFed Roth IRA Rates

ProFed Roth IRA Rates effective 4/1/2014. Subject to change without notice.

 

Roth IRA Variable Share Account
  DIVIDEND RATE APY*
Minimum $10.00 0.15% 0.15%
 

*You must maintain a minimum daily balance of $15.00 to earn dividends.

 
ROTH IRAs
  DIVIDEND RATE APY*
18 Month Fixed Certificate ($1,000.00 minimum) 0.20% 0.20%
36 Month Fixed Certificate ($1,000.00 minimum) 0.49% 0.50%
60 Month Fixed Certificate ($1,000.00 minimum) 0.94% 0.95%

*APY=Annual Percentage Yield. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your IRA Certificate.


 

24 Month EZ Saver IRA Share Certificate
($25.00 Minimum)
  DIVIDEND RATE APY*
  0.29% 0.30%

*APY=Annual Percentage Yield. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your IRA Certificate.


 




COVERDELL EDUCATION SAVINGS ACCOUNTS

ProFed Coverdell Education Savings Account Rates effective 4/1/2014. Subject to change without notice.

24 Month EZ Saver ESA Share Certificate
($25.00 Minimum)
  DIVIDEND RATE APY*
  0.29% 0.30%

*APY=Annual Percentage Yield. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your ESA Certificate.
**Substantial penalty for early withdrawal.

 

 

 

ProFed Loan Rates

ProFed Loan Rates Effective 06/15/2017. Subject to change without notice.

Applying for a ProFed Loan is EASY! You can apply in person, online or use ProLoanConnection after hours or on weekends by calling 260-483-0514 or 800-752-4613 ext. 1. To calculate a loan payment, use our loan calculator.

Features and Specials
 

NewCarLine
MODEL YEAR TYPE TERM (Months) NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
2015-2017 NewCarLine 1 - 36 2.04% N/A
2015-2017 NewCarLine 37 - 48 2.24% N/A
2015-2017 NewCarLine 49 - 60 2.24% N/A
 
Auto Loans
New Cars
MODEL YEAR TYPE TERM (Months) NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
2015-2017 New & Used 1 - 36 2.29% N/A
2015-2017 New & Used 37 - 48 2.49% N/A
2015-2017 New & Used 49 - 60 2.49% N/A
2015-2017 New & Used 61 - 66 2.79% N/A
2015-2017 New & Used 67 - 72 2.99% N/A
 
Auto Loans
Used cars
MODEL YEAR TYPE TERM (Months) NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
2012 - 2014 Used 1 - 36 2.49% 4.25% (Prime+0.00%)
2012 - 2014 Used 37 - 48 2.79% 4.25% (Prime+0.00%)
2012 - 2014 Used 49 - 60 2.99% 4.25% (Prime+0.00%)
2012 - 2014 Used 61 - 66 3.49% 4.25% (Prime+0.00%)
2007 - 2011 Used 1 - 36 2.99% 4.25% (Prime+0.00%)
2007 - 2011 Used 37 - 48 3.49% 4.25% (Prime+0.00%)

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score. Please contact a loan officer for information concerning specialty-type autos or extended terms.

Apply Now


 

New Recreational Vehicles
VALUE TYPE TERM (Months) NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
  New 1 - 60 2.99% 4.25% (Prime+0.00%)
  New 61 - 84 4.99% 4.75% (Prime+0.50%)
($40,001.00 and Up) New Up to 120 5.99% 5.25% (Prime+1.00%)

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Used Recreational Vehicles
VALUE TYPE TERM (Months) NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
  Used 1 - 60 3.49% 4.25% (Prime+0.00%)
  Used 61 - 84 5.49% 4.75% (Prime+0.50%)
($40,001.00 and Up) Used Up to 120 6.49% 5.25% (Prime+1.00%)

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Apply Now


 

New Boats & Trailers
VALUE TYPE TERM (Months) NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
($0.00-$15,000.00) New 1 - 36 3.99% 4.25% (Prime+0.00%)
($0.00-$15,000.00) New 37 - 60 4.99% 5.25% (Prime+1.00%)
($15,001 and Up) New 61 - 84 5.99% 6.25% (Prime+2.00%)

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Used Boats & Trailers
VALUE TYPE TERM (Months) NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
($0.00-$15,000) Used 1 - 36 4.49% 4.25% (Prime+0.00%)
($0.00-$15,000.00) Used 37 - 60 5.49% 5.25% (Prime+1.00%)
($15,001.00 and Up) Used 61 - 84 6.49% 6.25% (Prime+2.00%)

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Apply Now


Motorcycles, Snowmobiles & ATVs
TYPE TERM (Months) NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
New & Used 1 - 36 2.99% 4.25% (Prime+0.00%)
New & Used 37 - 60 3.99% 4.75% (Prime+0.50%)

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Apply Now



Closed-End Personal Loans & Large Purchases, $1,000.00 +
TERM (Months)/TYPE NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
1 - 24 Months 8.99% 5.25% (Prime+1.00%)
25 - 36 Months 9.99% 5.75% (Prime+1.50%)
37 - 48 Months 10.99% 6.25% (Prime+2.00%)

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

 Secured Personal Loans 
TERM (Months)/TYPE NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
1 - 36 Months 6.99% N/A
37 - 48 Months 7.99% N/A

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Open-End
TYPE NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
Prime Line N/A 6.25% (Prime+2.00%)
ProTect
Line of Credit
18.00% N/A

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Apply Now



Personal 90-Day Notes
TYPE NON-VARIABLE APR
AS LOW AS*
VARIABLE APR
AS LOW AS*
90 Days 10.25% N/A

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Apply Now



Certificate Pledge (Original Certificate Required)
TERM (Months)/TYPE NON-VARIABLE APR VARIABLE APR
1 Month - Certificate Maturity Cert Rate + 1.00% N/A
 

Apply Now

Share Pledge ($1,000.00 Minimum)
TERM (Months)/TYPE NON-VARIABLE APR VARIABLE APR
Up to 36 Months 5.00% N/A
 

Apply Now

Home Equity Loans

Effective 06/15/2017.

Fixed Short Term First Mortgages - Minimum $10,000.00
VALUE TERM (Months) NON-VARIABLE APR VARIABLE APR
LTV up to 85% 60 - 120 Months 3.99% N/A
LTV up to 90% 60 - 120 Months 4.29% N/A

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Apply Now

 

 

2nd Mortgages - Minimum $5,000.00
VALUE TERM (Months) NON-VARIABLE APR VARIABLE APR
LTV up to 80% 1 - 60 Months 4.99% N/A
LTV up to 80% 61 - 120 Months 5.99% N/A
LTV 81% - 90% 1 - 60 Months 5.99% N/A
LTV 81% - 90% 61 - 120 Months 6.49% N/A
 
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Apply Now

Home Equity Lines of Credit



Variable Standard Home Equity Line of Credit
TYPE VARIABLE APR AS LOW AS*
Minimum Line of Credit $5,000.00 4.75% (Prime+0.50%)
 

Variable Home Equity Line of Credit - Greater than 80% LTV - Minimum line of credit $5,000.00

TYPE VARIABLE APR AS LOW AS*
LTV 81% - 85% 5.50% (Prime+1.25%)
LTV 86% - 90% 6.00% (Prime+1.75%)

*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.

Minimum required monthly payments will be the greater of $125.00 or 1.75% of the outstanding principal balance plus insurance charges and late payment fees. The maximum rate will be 18.00% or the maximum interest rate allowed by law, whichever is less. There may be closing costs associated with a loan request. Please call our office at 260-373-1631 or 800-752 -4613 ext. 1631 for exact costs.

 

 

First Mortgages

ProFed Federal Credit Union, NMLS# 490949

For First Mortgage Rates, click here or contact the credit union at 260-483-0514 ext. 1636 or 800-752-4613 ext. 1636, or email us at mortgages@profedcu.org.

Apply Now

 

Prime Rate is based on the highest published Prime Rate in the Wall Street Journal.

ProFed Visa Rates

ProFed Visa Rates Effective 06/15/2017. Subject to change without notice. Apply online for your ProFed Visa.

Visa®
TYPE VARIABLE RATE
Visa Gold Prime + 6.00% APR*
See disclosure
Visa Platinum See disclosure
Visa Rewards See disclosure

* The variable rate APR applicable to all billing cycles beginning in a calendar quarter is the highest prime rate published in the Wall Street Journal on the 10th day (or next business day) of the month preceding the calendar quarter (March, June, September and December) plus 6.0%..

* APR=Annual Percentage Rate.

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