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Switch To ProFed

Tired of feeling like just another account? We get it — and you deserve better. 

When you join ProFed, you’re not just switching banks — you’re choosing a financial partner that knows your name, celebrates your milestones, and works every day to help you move forward.

For over 90 years, we’ve believed banking should put people before profits. That’s why we listen closely, guide with care, and invest in what matters most — your goals, your future, and the community we all call home.

Need proof? Scroll down and give us 60 seconds — we’ll show you exactly why we care and why we matter.

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What Sets ProFed Apart — and Ahead

ProFed Listens, Learns, and Builds Around You: We believe better banking begins with understanding. Every day, we take the time to listen — in our branches, online, and through your feedback — so we can keep improving what matters most to you. From extending branch hours to enhancing digital tools, every update we make starts with your needs in mind. Because when you’re heard, supported, and understood, your financial goals become that much closer to reality.

Rooted Here, Committed to You: Our story is rooted right here in Northeast Indiana. From improving local schools and athletic programs to supporting small businesses and community programs, everything we do is about building a stronger place to live, learn, and grow.

As of October 2025, we had already given back around $190,000 to local charities and nonprofits and partnered with over 115 local organizations — because when our communities thrive, we all win.

And through our Financial Literacy Program, we’re helping members succeed at every stage of life — giving you the guidance, tools, and confidence to reach your goals and build real financial strength.

Built Around Your Life: Your goals are personal — your banking should be too. Whether you’re saving for tomorrow, buying your first home, or just getting started, we’ll walk with you every step of the way. And for young adults, our Credit Starter Program makes building credit simple, smart, and stress-free.

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.

Credit unions are not-for-profit and owned by their members, while banks are for-profit institutions that return profits to shareholders. At ProFed, our credit union members in and around Northeast Indiana benefit from competitive loan rates, savings options, and personalized service.

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, ProFed returned well over a million dollars to members through our Referral Program, Student Checking and Great Start Accounts, as well as through our Visa® Rewards credit card. Every dollar stays in our community — fueling families, businesses, and local growth.

Our member benefits are designed to fit your life:

  • Skip-a-Pay options for loans during tough months
  • Exclusive seasonal discounts
  • Free credit counseling & budgeting tools
  • 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. With the ProFed Rewards Visa®, you can earn you up to 2% (during seasonal promotions) cash back on every purchase — no rotating categories or blackout dates. Additionally, cardholders can enjoy a no-annual-fee and no-balance-transfer-fee option. It’s the best of both worlds: rewards like a national bank card, but with lower rates, and you get the personalized service of a credit union.

Yes, you can access 30,000+ surcharge-free ATMs coast to coast. While ProFed doesn't participate in shared banking at this time, you can visit 13 local branches across nine counties.