Affinity Federal Credit Union


Overview / Commentary
908-860-7208
73 Mountainview Blvd
Basking Ridge, NJ 07920

Affinity Federal Credit Union is headquartered in Basking Ridge and is the largest credit union in the state of New Jersey. It is also the 112th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 496 employees and 232,691 members at 22 locations. Affinity Federal Credit Union's savings rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Affinity Federal Credit Union is open to anyone through membership in the Affinity Foundation (one-time $5 donation). Membership is also open to employees of AT&T, AT&T Wireless, Saint Peter's University Hospital and more than 2,000 other Select Employer Groups.
See current membership details

Reviews (6)

Great Rates. Good Service

Best Interest Rate in area. Only one branch in CT

Affinity Federal Credit Union At Bardonia, NY

Very friendly and very efficient service. Also good rates on money market accounts.

Overall Great Experience

Posted by: |

Overall I've had a great experience since I opened an account with affinity. The customer service in person is always helpful and professional and online accounts run smoothly. Only thing I've noticed is they didn't raise their rates during the most recent rate hike.

The Worst Bank I've Ever Done Business With

I refinance my car loan from capital one and got a loan with affinity ( worst mistake of my life) . My car had got into a car accident and unfortunately was totaled out. I had GAP insurance to cover the difference owed. Affinity credit delayed in sending the GAP insurance company information that was need to finish off loan. Eventually i was able to get information over to Gap insurance and affinity told the insurance company the wrong amount , so now there’s a balance on my account . Every time i would call Affinity to find out how much i would need to finish paying off my Loan the representative would say something is not adding up with your account and they will call me back . Only ever received a call back once. No one in company could tell me my pay off price. In the mean times they are reporting me to the credit bureau as late . Which is destroying my credit . Please do not bank with them , they are terrible !!!

STOP!! DONT TRUST THIS BANK!

Don't get an auto loan- They charge daily interest on your vehicle from the loan amount. IT WILL TAKE YOU YEARS TO PAY THIS OFF. Please go somewhere else!! I've been having my loan here for 13 months at this bank. My owned balance hasn't even moved hardly. DONT DO IT! I would give ZERO stars to this bank if it would let me. And yes, it is legal what they are doing. "BUT DOESNT MEAN YOU HAVE TO DO IT!" BTW their reviews below are fake.

Hope this place goes under.

Incompetent & Rude

Posted by: |

Affinity federal credit union was a complete waste of my time. For over two weeks I’ve been piece Mealing them everything they have wanted in regards to a loan application.
I am extremely well organized and have given them everything from 13 months worth of bank statements, cover letters, tax returns, my apartment lease showing how much I’ve paid for in rent, and that’s still not good enough. …They kept asking to see proof that I’ve paid my rent and wanted 12 months worth of canceled checks.
Unfortunately I don’t live in 1985, and I don’t know anybody who pays for rent with a check. I explained to her that this is all done electronically, and that she could see all of these payments done within the 13 months of bank statements. I couldn’t have been more clear how she could find this. But nope, she didn’t wanna do that.
Then she asked for a lease so that I could prove it, and I sent her a lease.
The next day she emailed with another request saying she needed proof that I’ve paid my rent, once again, and for the third time I told her how to find this.
The next morning she emails back saying they won’t be proceeding forward and that they will no longer be excepting my phone calls until I give them the documents they requested. Won’t be accepting phone calls? lol.
Wow.
I really don’t know how one person, could be so incompetent. I can’t give you something that doesn’t exist.
I thanked them for wasting my time time and told them that if they weren’t bright enough to figure this out they weren’t worth me doing business with. And mind you, my credit score, income and my rental payments are impeccable.



Health
B+

Health Grade Components

Overall
NCUA #857
Year Chartered1935
Employees496
Primary Regulator
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD2.05%
Annual Interest Income$51.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$4.24B$4.17B
LoansQ1 2025vs Q1 2024$3.56B$3.72B
DepositsQ1 2025vs Q1 2024$3.67B$3.58B
Equity CapitalQ1 2025vs Q1 2024$320.1MM$314.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$43.2MM$54.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$30.2MM$49.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Affinity Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Affinity Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*$0$10kSmartStart Savings
OTHER TIERS: 0.75% $10k+
3.25%*$0$250kPerformance Savings
OTHER TIERS: 0.50% $250k+
3.10%*$100k*-High Yield Savings
OTHER TIERS: 0.05% $0 - $100k
2.00%*$250k*-MoreSavings
OTHER TIERS: 0.75% $0 - $25k | 0.90% $25k - $100k | 1.50% $100k - $250k
1.25%*$0$2.5kRevolution Save
OTHER TIERS: 0.25% $2.5k+
0.25%$0-Health Savings Account
0.05%$0-Savvy Saver Account
0.05%$0-Business Savings Account
0.05%$0-Teen Savings

Affinity Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$2.5k-Business Money Manager
0.55%*$50k*-IRA Money Manager
OTHER TIERS: 0.15% $0 - $20k | 0.25% $20k - $35k | 0.35% $35k - $50k

Affinity Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.50%*$0$15kHigh-Yield Checking
OTHER TIERS: 0.50% $15k+
0.05%$1k-MoreChecking
0.01%$0-Teen Checking

Affinity Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-8 Month CD Special
4.25%$500-Business 8 Month CD Special
4.00%$500-Business 6 Month CD
4.00%*$100k*-14 Month CD Special
OTHER TIERS: 3.80% $500 - $50k | 3.90% $50k - $100k
4.00%*$100k*-Business 14 Month CD Special
OTHER TIERS: 3.80% $500 - $50k | 3.90% $50k - $100k
3.50%$500-7 Month CD
3.25%$500-9 Month CD
3.25%$500-12 Month CD
3.25%$500-Business 12 Month CD
3.00%*$100k*-22 Month CD Special
OTHER TIERS: 2.80% $500 - $50k | 2.90% $50k - $100k
3.00%*$100k*-Business 22 Month CD Special
OTHER TIERS: 2.80% $500 - $50k | 2.90% $50k - $100k
2.88%$500-15 Month CD w/ Bump Up
2.75%$500-18 Month CD
2.75%$500-Business 18 Month CD
2.50%$500-6 Month CD
2.50%$500-24 Month CD
2.25%$500-60 Month CD
2.25%$500-Business 60 Month CD
1.90%$500-36 Month CD
1.90%$500-Business 36 Month CD
1.90%$500-48 Month CD
1.25%$500-30 Month CD w/ Bump Up
1.25%$500-Business 30 Month CD
0.62%$500-3 Month CD
0.62%$500-Business 3 Month CD
0.05%$500-30 Day CD
0.05%$500-Business 30 Day CD

Affinity Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-7 Month IRA Certificate
4.00%*$100k*-14 Month IRA Certificate Special
OTHER TIERS: 3.80% $500 - $50k | 3.90% $50k - $100k
3.50%$500-8 Month IRA Special
3.25%$500-9 Month IRA Certificate
3.25%$500-12 Month IRA Certificate
3.00%*$100k*-22 Month IRA Certificate Special
OTHER TIERS: 2.80% $500 - $50k | 2.90% $50k - $100k
2.88%$500-15 Month IRA Certificate
2.75%$500-18 Month IRA Certificate
2.50%$500-6 Month IRA Certificate
2.50%$500-24 Month IRA Certificate
2.25%$0-IRA Accumulator
2.25%$500-60 Month IRA Certificate
1.90%$500-36 Month IRA Certificate
1.90%$500-48 Month IRA Certificate
1.25%$500-30 Month IRA Certificate
0.62%$500-3 Month IRA Certificate
0.05%$500-30 Day IRA Certificate
Locations

Availability

Philadelphia Area

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