Credit union · NCUA insured
Proponent Federal Credit Union Credit Card Rates
Top CarrotProponent Federal Credit Union credit cards start at 11.25% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Proponent Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Proponent Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Proponent Federal Credit Union
11.25%APR
- Up to
- 18.00% APR
Proponent Visa
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
Proponent Federal Credit Union credit card score
76
Credit card score
Higher than 42% of U.S. banks and credit unions
- Purchase APRPurchase APR11.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Proponent Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Proponent Visa
Membership eligibility required. Offer valid for new Visa Credit Cardholders; cannot be combined with any other Proponent offer and/or service. Proponent Visa earns 1 Reward Point per $1 spent.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | The 0.00% offer rate for purchases applies to Members who do not already have a Visa Credit Card with Proponent. The introductory APR for purchases will apply to transactions posted to your account during the first 12 months following account opening. Advance amounts must be less than available credit limit. Minimum monthly payments apply. Offer expires 12/31/2026. |
| Ongoing | 11.25%–18.00% | None | The APR and credit limit are based on an individual's credit worthiness. The APR will vary with the market based on the Prime Rate. No annual fee. |
Proponent Visa Signature
Membership eligibility required. Offer valid for new Visa Credit Cardholders; cannot be combined with any other Proponent offer and/or service. Earns 2x ProRewards points on all purchases. No foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | The 0.00% offer rate for purchases applies to Members who do not already have a Visa Credit Card with Proponent. The introductory APR for purchases will apply to transactions posted to your account during the first 12 months following account opening. Advance amounts must be less than available credit limit. Minimum monthly payments apply. Offer expires 12/31/2026. |
| Ongoing | 14.25%–18.00% | None | The APR and credit limit are based on an individual's credit worthiness. The APR will vary with the market based on the Prime Rate. No annual fee. |
Who can join Proponent Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.