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 109th largest credit union in the nation. It was established in 1935 and as of March of 2024, it had grown to 486 employees and 234,191 members at 21 locations. Affinity Federal Credit Union's savings rates are 8X 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

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.

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.

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 !!!

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Health

Health Grade Components

Overall
NCUA #857
Year Chartered1935
Employees486
Primary Regulator
Profit Margin
Return on Assets - YTD0.17%
Return on Equity - YTD2.29%
Annual Interest Income$50.6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$4.17B$4.64B
LoansQ1 2024vs Q1 2023$3.72B$4.06B
DepositsQ1 2024vs Q1 2023$3.58B$3.41B
Equity CapitalQ1 2024vs Q1 2023$314.8MM$345.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$54.8MM$43.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$49.6MM$58.8MM
Real Estate OwnedQ1 2024vs Q1 2023$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
4.00%*$0$5kSmartStart Savings
OTHER TIERS: 1.00% $5k+
4.00%*$100k*-Affinity High-Yield Savings
OTHER TIERS: 0.05% $0 - $100k
2.25%*$250k*-MoreSavings
OTHER TIERS: 1.00% $0 - $25k | 1.15% $25k - $100k | 1.75% $100k - $250k
1.25%*$0$2.5kRevolution Save
OTHER TIERS: 0.25% $2.5k+
0.25%$0-Health Savings Account
0.15%$0-IRA Accumulator
0.05%$0-Savvy Saver Account
0.05%$5-Business Savings Account
0.05%$0-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% $0 - $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%$0-Teen Checking

Affinity Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$50k-8 Month CD Special - New Money
5.00%$500-8 Month CD Special
5.00%$50k-14 Month CD Special - New Money
5.00%$500-Business 6 Month CD Special
4.75%*$100k*-14 Month CD Special
OTHER TIERS: 4.55% $500 - $50k | 4.65% $50k - $100k
4.75%*$100k*-Business 14 Month CD Special
OTHER TIERS: 4.55% $500 - $50k | 4.65% $50k - $100k
4.50%$500-7 Month CD
4.00%$500-12 Month CD
4.00%$500-Business 12 Month CD
4.00%*$100k*-22 Month CD Special
OTHER TIERS: 3.80% $500 - $50k | 3.90% $50k - $100k
4.00%*$100k*-Business 22 Month CD Special
OTHER TIERS: 3.80% $500 - $50k | 3.90% $50k - $100k
3.63%$500-9 Month CD
3.50%$500-18 Month CD
3.50%$500-Business 18 Month CD
3.38%$500-15 Month CD w/ Bump Up
3.00%$500-24 Month CD
2.50%$500-6 Month CD
2.50%$500-60 Month CD
2.50%$500-Business 60 Month CD
2.25%$500-36 Month CD
2.25%$500-Business 36 Month CD
2.00%$500-48 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%*$100k*-14 Month IRA Certificate Special
OTHER TIERS: 4.55% $500 - $50k | 4.65% $50k - $100k
4.50%$500-7 Month IRA Certificate
4.00%$500-12 Month IRA Certificate
4.00%*$100k*-22 Month IRA Certificate Special
OTHER TIERS: 3.80% $500 - $50k | 3.90% $50k - $100k
3.63%$500-9 Month IRA Certificate
3.50%$500-18 Month IRA Certificate
3.38%$500-15 Month IRA Certificate
3.00%$500-24 Month IRA Certificate
2.50%$500-6 Month IRA Certificate
2.50%$500-60 Month IRA Certificate
2.25%$500-36 Month IRA Certificate
2.00%$500-48 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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