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Affinity Federal Credit Union


Overview / Commentary
www.affinityfcu.com
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 86th largest credit union in the nation. It was established in 1935 and as of December of 2022, it had grown to 489 employees and 229,030 members at 22 locations. Affinity Federal Credit Union's savings rates are 8X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Affinity Federal Credit Union is open to anyone through membership in the New Jersey Coalition for Financial Education or the Connecticut Jump$tart Coalition (one-time $5 membership fee for either). 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

Related Posts

Affinity FCU - SmartStart Savings Account offering APY of 3.50% in New Jersey on balances up to $5000 - 8/31/2022

Easy membership. NCUA Insured. No minimum balance. APR of 3.44% with an APY of 3.50%. https://www.affinityfcu.com/Banking/Savings/smartstart.aspx

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Reviews (14)

Affinity Federal Credit Union At Bardonia, NY

Posted by: |

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

1

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.

1

Great alternative to traditional bank

Posted by: |

After being a member for over 15 years, I can say with confidence that Affinity is a fantastic financial institution. Customer service is available day or night, and is usually pleasant. The interest rates leave something to be desired, but that is the case with most credit unions versus banks. They have many products available, which include various savings, checking and holiday accounts, as well as the availability of loans.

6

STOP!! DONT TRUST THIS BANK!

Posted by: |

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.

1
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Health
C+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #857
Year Chartered1935
Employees489
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD12.71%
Annual Interest Income$147.2MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$4.48B$3.76B
LoansQ4 2022vs Q4 2021$3.94B$3.09B
DepositsQ4 2022vs Q4 2021$3.32B$3.22B
Equity CapitalQ4 2022vs Q4 2021$357.2MM$332.0MM
Loan Loss AllowanceQ4 2022vs Q4 2021$32.4MM$29.3MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$65.1MM$21.7MM
Real Estate OwnedQ4 2022vs Q4 2021$0$271.00K
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
4.00%*-$5kSmartStart Savings
OTHER TIERS: 1.00% → $5k+
2.25%*$250k*-MoreSavings
OTHER TIERS: 1.00% → Up to $25k | 1.15% → $25k - $100k | 1.75% → $100k - $250k
1.25%*-$2.5kRevolution Save
OTHER TIERS: 0.25% → $2.5k+
0.25%--Health Savings Account
0.15%--IRA Accumulator
0.05%--Savvy Saver Account
0.05%$5-Business Savings Account
0.05%--Teen Savings

Affinity Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$2.5k-Business Money Manager
0.55%*$50k*-IRA Money Manager
OTHER TIERS: 0.15% → Up to $20k | 0.25% → $20k - $35k | 0.35% → $35k - $50k

Affinity Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-MoreChecking
0.01%--Teen Checking

Affinity Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-7 Month CD Special
4.55%*$100k*-14 Month CD Special
OTHER TIERS: 4.35% → $500 - $50k | 4.45% → $50k - $100k
4.55%*$100k*-Business 14 Month CD Special
OTHER TIERS: 4.35% → $500 - $50k | 4.45% → $50k - $100k
3.95%*$100k*-22 Month CD Special
OTHER TIERS: 3.75% → $500 - $50k | 3.85% → $50k - $100k
3.95%*$100k*-Business 22 Month CD Special
OTHER TIERS: 3.75% → $500 - $50k | 3.85% → $50k - $100k
2.88%$500-12 Month CD
2.88%$500-18 Month CD
2.88%$500-Business 12 Month CD
2.88%$500-Business 18 Month CD
2.75%$500-60 Month CD
2.75%$500-Business 60 Month CD
2.73%$500-15 Month CD w/ Bump Up
2.63%$500-24 Month CD
2.38%$500-9 Month CD
2.38%$500-36 Month CD
2.38%$500-Business 36 Month CD
2.38%$500-48 Month CD
1.75%$500-6 Month CD
1.75%$500-Business 6 Month CD
1.25%$500-30 Month CD w/ Bump Up
1.25%$500-Business 30 Month CD
0.63%$500-3 Month CD
0.63%$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
4.75%$500-7 Month IRA Certificate
4.55%*$100k*-14 Month IRA Special
OTHER TIERS: 4.35% → $500 - $50k | 4.45% → $50k - $100k
3.95%*$100k*-22 Month IRA Special
OTHER TIERS: 3.75% → $500 - $50k | 3.85% → $50k - $100k
2.88%$500-12 Month IRA Certificate
2.88%$500-18 Month IRA Certificate
2.75%$500-60 Month IRA Certificate
2.73%$500-15 Month IRA Certificate
2.63%$500-24 Month IRA Certificate
2.38%$500-9 Month IRA Certificate
2.38%$500-36 Month IRA Certificate
2.38%$500-48 Month IRA Certificate
1.75%$500-6 Month IRA Certificate
1.25%$500-30 Month IRA Certificate
0.63%$500-3 Month IRA Certificate
0.05%$500-30 Day IRA Certificate
Locations

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