Proponent Federal Credit Union credit card terms
Credit union · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Proponent Federal Credit Union reported a surveyed purchase APR of 11.5% – 18% (median 15%) to the CFPB Terms of Credit Card Plans survey, across 1 product. As a credit union, its cards are capped at an 18% APR by federal law. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Proponent Federal Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 11.5% – 18% |
| Median purchase APR | 15% |
| Rate type | variable |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 18% |
| Annual fee | — |
| Late fee (median) | — |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Proponent Federal Credit Union did not report that field in the survey.
Proponent Federal Credit Union purchase APR by credit tier
Median purchase APR Proponent Federal Credit Union reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 18% |
| Good credit (620-719) | 15% |
| Great credit (720+) | 11.75% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Proponent Federal Credit Union compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Proponent Federal Credit Union's median of 15% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Proponent Federal Credit Union (this issuer) | 11.5% – 18% | 15% | — |
| Mirastar Federal Credit Union | 14.99% | 14.99% | — |
| Sun East Federal Credit Union | 12.49% – 18% | 14.99% | — |
| Gecu Federal Credit Union | 11.9% – 17.9% | 14.95% | — |
| Statewide Federal Credit Union | 9.95% – 17.95% | 14.95% | — |
| Down East Credit Union | 11.9% – 17.9% | 14.9% | — |
| Illinois Educators Credit Union | 14.9% | 14.9% | — |
Mirastar Federal Credit Union · Sun East Federal Credit Union · Gecu Federal Credit Union · Statewide Federal Credit Union · Down East Credit Union · Illinois Educators Credit Union
Frequently asked questions
What is Proponent Federal Credit Union's credit card APR?
Proponent Federal Credit Union reported a purchase APR of 11.5% – 18% to the CFPB Terms of Credit Card Plans survey (median 15%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Proponent Federal Credit Union charge an annual fee?
Proponent Federal Credit Union did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Proponent Federal Credit Union a good choice for a low APR?
Proponent Federal Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (11.5% – 18%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by Proponent Federal Credit Union (Proponent Federal Credit Union) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29