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 03/02/2018. 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 10/16/2017. 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

See the Features Page for Share Certificate Special.

ProFed Traditional IRA Rates

ProFed Traditional IRA Rates effective 10/16/2017. 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 10/16/2017. 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 10/16/2017. 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.

 

 

 

Consumer Loan Rates

Consumer Loan Rates Effective 05/09/2018. Subject to change without notice.

Collateral Model Year Minimum Loan Amount Max Term (Months) APR as low as*
Auto  2017 - 2018 N/A 84 4.99%
Auto  2015 - 2018 N/A 75 4.49%
Auto  2011 - 2018 N/A 66 3.99%
Auto  2011 - 2018 N/A 48 3.49%
RV 2011 - 2018 $40,000 120 4.99%
RV 2011 - 2018 N/A 60 4.49%
Boats 2011 - 2018 $20,000 84 4.99%
Boats 2011 - 2018 N/A 60 4.49%
Motorcycles, ATVs & Personal Watercrafts 2011 - 2018 N/A 60 4.49%
Miscellaneous Secured  N/A N/A 48 6.49%
ProFed Certificate Pledge N/A   Cert Maturity Cert Rate +2.00%
ProFed Share Pledge N/A   48 Deposit Rate +2.00%
Personal Unsecured N/A   48 9.99%
Personal Unsecured N/A   48 Variable/Prime + 2.00%
Primeline N/A   N/A Variable / Prime +2.00%

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

Apply Now

Home Equity Loans

Effective 03/23/2018.

Fixed Short Term First Mortgages
VALUE TERM (Months) NON-VARIABLE RATE NON-VARIABLE APR*
LTV up to 80%
Minimum $10,000.00
60 - 120 4.49% 4.71%

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

Important Loan Information:

The APR has been calculated using a loan amount of $10,000.00 and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term. The information provided assumes the property is located in Indiana and is within 50 miles of a ProFed branch location. The property is an existing single family home and will be used as a primary residence. The assumed credit score is 720.

Apply Now

 

 

2nd Mortgages
VALUE TERM (Months) NON-VARIABLE RATE NON-VARIABLE APR*
LTV up to 90%
Minimum $5,000.00
12 - 120  5.49% 5.51%

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

Important Loan Information:

The APR has been calculated using a loan amount of $10,000.00 and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term. The information provided assumes the property is located in Indiana and is within 50 miles of a ProFed branch location. The property is an existing single family home and will be used as a primary residence. The assumed credit score is 720.

Apply Now

 

Home Equity Lines of Credit

Variable Standard Home Equity Line of Credit
VALUE VARIABLE RATE VARIABLE APR
LTV up to 90%
Minimum Line of Credit $5,000.00
4.50% (Prime-0.25%) 4.50%
 

*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 1.25% 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.

Important Loan Information:

The APR has been calculated using a loan amount of $10,000.00 and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term. The information provided assumes the property is located in Indiana and is within 50 miles of a ProFed branch location. The property is an existing single family home and will be used as a primary residence. The assumed credit score is 720.

 

 

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 07/01/2018. 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.

Apply Now