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 96th largest credit union in the nation. It was established in 1935 and as of March of 2021, it had grown to 425 employees and 185,906 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 ($5 membership fee). Membership is also open to employees of AT&T, AT&T Wireless, Saint Peter's University Hospital and over 2,800 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.

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.

Worst Credit Union Ever!

Posted by: |

I have an auto loan with this company for the past 2 years. I was medically retired not too long ago, so my bills stayed the same but my pay decreased by half. I am a full time student now, trying to get a job that will help. I have spoke to this company time and time again. I was caught up with all payments, September 20th my car is REPOSESSED for being 2 weeks late! This company knows my families story. Not only did they reposess my vehicle, but they took it to a facility over 1 hour 30 minutes away. My payment is due on the 2nd. Today is the 20th. Rediculous, No compassion, Worst place ever, definately do not recommend this place. As I can see I am not the only one either. Best thing that could happen is for everyone to pull all their money out and get a different bank, refi with another bank for car loans, mortgages, etc. Put them in a stressful financial situation and let them see how it feels.

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Health

Health Grade Components

Overall
NCUA #857
Year Chartered1935
Employees425
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.84%
Annual Interest Income$32.1MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$3.63B$3.50B
LoansQ1 2021vs Q1 2020$3.00B$3.04B
DepositsQ1 2021vs Q1 2020$3.11B$2.75B
Equity CapitalQ1 2021vs Q1 2020$308.5MM$293.5MM
Loan Loss AllowanceQ1 2021vs Q1 2020$31.1MM$21.7MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$21.0MM$23.8MM
Real Estate OwnedQ1 2021vs Q1 2020$738.00K$1.9MM
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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