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 98th largest credit union in the nation. It was established in 1935 and as of June of 2021, it had grown to 434 employees and 189,871 members at 22 locations. Affinity Federal Credit Union's savings rates are 4X the national average, and it has an A 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

Great alternative to traditional bank

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.

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.

The Worst Credit Union In The World!

The customer service reps are rude, mean, disrespectful I have never in my 55 years been so disrespected. They hung up on you after already being on hold for 36 minutes.

I hate this company, their fees are awful. Wish I could give 0 stars

Flemington Branch - So Rude And Unprofessional

They just don't care about the customer and they are not going to go out of their way to even wait on you.

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Health

Health Grade Components

Overall
NCUA #857
Year Chartered1935
Employees434
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD6.33%
Annual Interest Income$63.9MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$3.62B$3.61B
LoansQ2 2021vs Q2 2020$3.03B$3.15B
DepositsQ2 2021vs Q2 2020$3.09B$2.92B
Equity CapitalQ2 2021vs Q2 2020$315.1MM$297.4MM
Loan Loss AllowanceQ2 2021vs Q2 2020$33.9MM$22.3MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$25.8MM$28.2MM
Real Estate OwnedQ2 2021vs Q2 2020$738.00K$2.0MM
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
2.00%*-$2.5kSmartStart Savings
OTHER TIERS: 0.10% $5k+ | 1.00% $2.5k - $5k
1.25%*-$2.5kRevolution Save
OTHER TIERS: 0.25% $2.5k+
0.50%*$250k*-MoreSavings
OTHER TIERS: 0.10% Up to $5k | 0.20% $5k - $100k | 0.25% $100k - $250k
0.25%--Health Savings Account
0.15%$50-IRA Accumulator
0.15%$50-Education Savings
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
0.40%$2.5k-Business Money Manager
0.20%*$50k*-IRA Money Manager
OTHER TIERS: 0.05% Up to $20k | 0.10% $20k - $35k | 0.15% $35k - $50k

Affinity Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1k-MoreChecking
0.01%--Teen Checking

Affinity Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$100k*-14 Month CD Special
OTHER TIERS: 0.45% $2.5k - $50k | 0.55% $50k - $100k
0.65%*$100k*-22 Month CD Special
OTHER TIERS: 0.45% $500 - $50k | 0.55% $50k - $100k
0.65%*$100k*-Business 14 Month CD Special
OTHER TIERS: 0.45% $2.5k - $50k | 0.55% $50k - $100k
0.65%*$100k*-Business 22 Month CD Special
OTHER TIERS: 0.45% $500 - $50k | 0.55% $50k - $100k
0.55%$500-60 Month CD
0.55%$500-Business 60 Month CD
0.50%$500-48 Month CD
0.45%$500-36 Month CD
0.45%$500-Business 36 Month CD
0.40%$500-24 Month CD
0.35%$500-18 Month CD
0.35%$500-Business 18 Month CD
0.30%$500-12 Month CD
0.30%$500-Business 12 Month CD
0.25%$500-9 Month CD
0.25%$500-30 Month CD w/ Bump Up
0.25%$500-Business 30 Month CD
0.20%$500-6 Month CD
0.20%$500-7 Month CD
0.20%$500-15 Month CD w/ Bump Up
0.20%$500-Business 6 Month CD
0.15%$500-3 Month CD
0.15%$500-Business 3 Month CD
0.10%$500-30 Day CD
0.10%$500-Business 30 Day CD

Affinity Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$100k*-14 Month IRA Special
OTHER TIERS: 0.45% $2.5k - $50k | 0.55% $50k - $100k
0.65%*$100k*-22 Month IRA Special
OTHER TIERS: 0.45% $500 - $50k | 0.55% $50k - $100k
0.55%$500-60 Month IRA Certificate
0.50%$500-48 Month IRA Certificate
0.45%$500-36 Month IRA Certificate
0.40%$500-24 Month IRA Certificate
0.35%$500-18 Month IRA Certificate
0.30%$500-12 Month IRA Certificate
0.25%$500-9 Month IRA Certificate
0.25%$500-30 Month IRA Certificate w/ Bump Up
0.20%$500-6 Month IRA Certificate
0.20%$500-7 Month IRA Certificate
0.20%$500-15 Month IRA Certificate w/ Bump Up
0.15%$500-3 Month IRA Certificate
0.10%$500-30 Day IRA Certificate
Locations

Availability



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