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ProFed Credit Union is a member-owned financial cooperative serving nine counties in northeast Indiana with competitive savings, checking, loans, and digital banking services.
Data compiled from public sources
ProFed Credit Union is a not-for-profit, member-owned credit union headquartered in Fort Wayne, Indiana, operating under NCUA insurance. The organization has established itself as a reported community financial institution serving Adams, Allen, DeKalb, Huntington, LaGrange, Noble, Steuben, Wells, and Whitley counties. Membership is accessible to those who live, work, worship, attend school, volunteer, or regularly conduct business in these counties, with a nominal $5 membership fee.
ProFed offers a comprehensive suite of retail financial products including savings accounts (standard savings, youth savings, club accounts, money market plus savings), certificates of deposit with rate claims to verify (3.50% APY for EZ Saver Certificates at $25 minimum), checking accounts (student, eChecking, simple, and checking plus options), and credit products (personal loans, auto loans, boat and RV loans, home loans, and home equity lines of credit). The credit union provides Visa debit and rewards cards, HSA accounts, IRAs, and features a skip-a-payment program for loan flexibility. Their digital banking platform enables bill pay, check deposit, and account transfers online.
ProFed distinguishes itself through extensive community engagement and financial education. The institution operates 13 branch locations in northeast Indiana and actively promotes financial literacy through free resources for kids, adults, and businesses covering budgeting, investing, and retirement planning. They sponsor community contests, offer referral incentives ($75 for successful referrals), and provide appointment scheduling for in-person or virtual meetings. Their $475 refi program and construction loan offerings address specific homeowner needs, while the Member Auto Center (MAC) program provides preferred dealer access for auto shoppers.
As a credit union, ProFed delivers the typical member-cooperative benefits: lower fees than traditional banks, rate claims to verify, and community-focused service. However, membership eligibility is geographically restricted to nine specific Indiana counties, which limits accessibility. While the website demonstrates strong product breadth and community commitment, actual member reviews, loan approval rates, and comparative rate data are not visible from the website alone. The organization appears to serve its regional market effectively but remains a local institution without national reach.
This is state-level context for Credit Unions consumers in Fort Wayne, IN. It does not confirm that Profed or this specific location is licensed.
State regulator
Indiana Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Profed processed 1,182 mortgage applications in 2023, with 69% recorded as approved across 3 states.
1,182
Applications
69%
Approval Rate
$89K
Avg Loan
3
States Served
Based on 1,182 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Profed offers 12 services including Savings accounts (standard, youth, club, money market plus), Certificates of deposit (traditional and EZ Saver certificates), Individual Retirement Accounts (IRAs), Checking accounts (student, eChecking, simple, checking plus), Health Savings Accounts (HSAs), and 7 more.
Profed has profile signals associated with Northeast Indiana residents (nine-county service area) seeking rate claims to verify with local, personalized service, Homebuyers and refinancers interested in construction loans, USDA loans, and home equity products, Consumers prioritizing financial education and community engagement alongside banking services.
Key strengths: Competitive savings rates including 3.50% APY on EZ Saver Certificates with only $25 minimum deposit; 13 branch locations across nine northeast Indiana counties with in-person and virtual appointment options; Comprehensive loan products including conventional mortgages, USDA loans, construction loans, and home equity options. Areas to consider: Membership is restricted to nine specific Indiana counties, limiting eligibility for out-of-state or non-regional applicants; No publicly available information on competitive rate comparisons, approval rates, or member satisfaction metrics.
In the Credit Unions category, comparable providers include Energy Plus Credit Union, Everwise Credit Union, Indiana Members Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ProFed Credit Union is best suited for residents of nine northeast Indiana counties seeking membership-based banking with rate claims to verify, extensive branch access, and community focus. The primary caveat is strict geographic eligibility—you must live, work, worship, attend school, volunteer, or regularly conduct business in Adams, Allen, DeKalb, Huntington, LaGrange, Noble, Steuben, Wells, or Whitley counties to qualify for membership.
Energy Plus Credit Union is a member-owned financial institution offering savings accounts, checking, loans, mortgages, and digital banking services with rate claims to verify and member benefits.
Google rating from 2 reviews
Profile signals: Military families seeking to support their community through debit card transactions, Credit union members eligible to join seeking competitive auto and RV financing
Member-owned credit union serving Indiana and Michigan with checking, savings, loans, credit cards, and investment services.
Google rating from 99 reviews
Profile signals: Indiana and Michigan residents seeking personal banking with emphasis on relationship-based service, Business owners in Indiana/Michigan looking for commercial lending and treasury services from a member-focused institution
Indiana Members Credit Union is a full-service credit union operating multiple branches across Indiana, including the College Park location in Indianapolis, offering personal and business banking services.
Google rating from 214 reviews
Profile signals: Indianapolis and central Indiana residents seeking full-service banking with local branch presence, Small business owners needing business checking and lending services in the Indianapolis area
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