Membership Perks
Exclusive Member Perks
At ProFed Credit Union, membership comes with a wide range of exclusive benefits beyond competitive interest rates and lower fees. Enjoy referral rewards, discounts on travel, and affordable insurance options just to name a few. Discover the advantages of credit union membership today!
Your Perks
Free Financial Education
As a community-focused credit union, we strive to give back to our communities, one way is through financial education. ProFed offers Money Sense, our financial education program, to all ages at no cost. From students and adults to small businesses and organizations, we have resources to help enhance your financial well-being. Get started today on your mobile device with modules available online.
Credit Union Travel
With Credit Union Travel, you can save on 1.2 million brand-name hotels worldwide with better rates and book flights and car rentals all in one place. The $99/year membership fee is waived for all ProFed members, so you can get free lifetime access.
Unlock Tax Savings
Simplify tax season with tax services offered at reduced rates for our members.
TurboTax: Save up to 20% on TurboTax federal products.
H&R Block: New clients save $25 and returning clients get $10 off H&R Block in-office tax prep services.
$75 Referral Rewards
Refer and earn! Pocket $75 when you refer a friend to ProFed and they open a checking account or youth savings account. Plus, your friend also earns $75. You can even refer your kids and earn that way! All you have to do is generate your code at the link below and then share it with family and friends.
Simple Estate Planning
Trust & Will, a leader in online estate planning, offers ProFed members 20% off any estate plan plus free first‑document shipping, with easy step‑by‑step online guidance that can be completed in as little as 30 minutes, expert support available throughout the process, and attorney‑built, state‑specific documents you can customize to fit your family’s needs.
TrueStage® Insurance
Accidents can happen at any time. ProFed Credit Union members are eligible for:
- $1,500 of no‑cost TruStage® Accidental Death and Dismemberment Insurance with options to add coverage up to $300,000
- TruStage® Life Insurance
- Guaranteed acceptance and no medical questions
Nationwide ATM/VTM Services
ProFed members enjoy fee-free access to ATMs nationwide through Alliance One and MoneyPass, giving you convenient access to your funds whenever and wherever you need them. Additionally, ProFed offers Virtual Telling services, providing access to our professional support beyond traditional branch hours.
Digital Banking
We want to keep things simple. That’s why ProFed offers state-of-the-art digital banking to every member. Our app (available on the Apple App Store and Google Play) allows members to transfer funds automatically, pay bills, monitor their credit score, and more.
Fraud Prevention
Keeping our members secure is a top priority at ProFed. We conduct fraud prevention and investigations to help protect members from scams and other financial crimes. Our team assists victims of fraud and identity theft by providing guidance, outlining next steps, and connecting them with the appropriate resources. We are committed to helping members protect their finances and move forward with confidence.
Car Shopping Made Easy
Rev up your car search from anywhere! Start searching in our Member Auto Center (MAC) for a trusted car-shopping experience, seek out a preferred dealer, and you will find the right car that fits your budget in no time.
Visit our Member Auto Center (MAC) where you can:
Frequently Asked Questions
At ProFed Credit Union, membership goes far beyond a checking account. In many cases, you’ll enjoy loan rates that are often 1–2% lower than banks and savings returns that are up to 0.50% higher. Our profits return to members, not shareholders, so you benefit directly. Perks include a referral program, free financial education, travel discounts, tax prep savings, and estate planning deals. It’s a complete financial membership — not just an account.
Yes. Credit unions are built to return value to members, which often means more competitive rates on auto loans, mortgages, and credit cards compared to traditional banks. At ProFed, members often save hundreds of dollars over the life of a loan, simply because our rates are consistently among the best in the region.
Yes. ProFed's savings products go beyond a basic savings account. Members can choose from Certificates with terms ranging from 3 to 60 months, making it easy to lock in a savings plan that fits everything from near-term purchases to long-term financial goals. For savers looking for added flexibility, Money Market Plus accounts offer tiered dividend rates that grow as account balances increase, while IRA Savings and IRA Certificates help members build retirement savings in a tax-advantaged way.
Yes, and we keep it simple. ProFed members get:
- Low, if any, monthly maintenance fees on e-checking and more
- Overdraft protection starting at $5 (vs. $35+ at most banks)
- Nationwide surcharge-free ATM access (30,000+ machines)
Members can save hundreds of dollars a year just by avoiding the fee traps common at big banks.
ProFed's Rewards Visa® helps members earn more from everyday spending with 1% cash back on eligible purchases year-round and special 2% cash back promotions offered periodically throughout the year. Rewards are automatically deposited into your savings account, making earning simple and convenient. It's the best of both worlds: rewards comparable to a national bank card, paired with the competitive rates and personal service of a local credit union.
Yes. At ProFed, all lending decisions are made locally in Northeast Indiana. That means we can work directly with members to approve first-time car buyers with limited credit or small business loans for local entrepreneurs. Our loan officers know our members personally so that we can offer competitive terms that banks might deny.
Our member benefits are designed to fit your life:
- Skip-a-Pay options on eligible loans during qualifying promotional periods
- Travel savings through Credit Union Travel, with the annual membership fee waived for ProFed members
- Tax preparation discounts, including up to 20% off TurboTax® federal products and savings on H&R Block® services
- Estate planning savings, including 20% off Trust & Will estate plans
- Free financial education, credit guidance, and budgeting resources through our Money Sense program
- Community programs that return dollars to local schools and non-profits.
These extras are part of what makes membership different.
Yes. ProFed supports members at every life stage with products designed to make saving and borrowing easier:
- Youth & Student Savings: Programs like our Great Start Savings and EZ Saver Certificates help young members build healthy financial habits.
- Student Checking: Available for ages 13–26, this account has no minimum balance, and members get four monthly ATM fee refunds up to $15 per month. Making it easy for students to manage money responsibly.
- First-Time Homebuyer Options: ProFed offers mortgage programs with favorable terms, including loans up to 97% loan-to-value (LTV), so you can buy your first home with a smaller down payment.
Whether it’s a child’s first savings account, a student learning to manage finances, or a young family purchasing their first home, ProFed is here to support you through every milestone.
Yes. While ProFed has 13 local branches across nine counties, your membership extends nationwide. Through the Alliance One and Money Pass Networks, you can access over 37,000+ surcharge-free ATMs coast to coast.
When you join ProFed, you’re more than a member-owner. That means you have a voice in how we operate, and you directly share in the financial returns. In 2024 alone, ProFed returned over $5 million in value to members through better rates, fewer fees, and dividends. Every dollar stays in our community — fueling families, businesses, and local growth.