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Affinity Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.85%5-year IRA60 Months IRA Certificate (Traditional, Roth)
1.51% - National Average
1.30%1-year IRA13 Month IRA Certificate (Traditional, Roth)
0.57% - National Average
1.25%2-year IRA24 Months IRA Certificate (Traditional, Roth)
0.81% - National Average
View all Affinity Federal Credit Union rates »

Overview / Commentary
www.affinityfcu.org
800-325-0808
73 Mountainview Blvd
Basking Ridge, NJ 07920-3849

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 76th largest credit union in the nation. It was established in 1935 and as of March of 2017, it had grown to 390 employees and 139,190 members at 16 locations. Affinity Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Affinity Federal Credit Union is open to anyone living in New Jersey, New York, and Pennsylvania 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

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Reviews (9)

Great alternative to traditional bank

Posted by: longtimecustomer | Oct 29, 2014

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.

2

Flemington Branch - So Rude And Unprofessional

Posted by: thisbankstinks | Feb 10, 2016

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

4

Worst Credit Union Ever!

Posted by: medic1983 | Sep 20, 2015

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.

2

Horrible. Very Rude, Unreliable, And Unprofessional

Posted by: PatHarris | Apr 12, 2015

I was surprised how rude and unprofessional the staff were. They did make any effort to help you when you turned to them for help. They would not follow through on promises, or show any care or concern for their customers. Very unreliable. I would never recommend them to anyone.

5
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Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #857
Year Chartered1935
Employees390
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD6.6%
Annual Interest Income$22.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$2.74B$2.46B
LoansQ1 2017vs Q1 2016$2.39B$1.98B
DepositsQ1 2017vs Q1 2016$2.26B$2.15B
Equity CapitalQ1 2017vs Q1 2016$229.0MM$214.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$29.1MM$32.4MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$14.4MM$20.3MM
Real Estate OwnedQ1 2017vs Q1 2016$3.3MM$6.5MM
Rates
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* 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
1.25%*-$2,500Revolution Save
OTHER TIERS: 0.25% → $2,500+
0.55%*$250k*-MoreSavings
OTHER TIERS: 0.05% → $5k - $100k | 0.20% → $100k - $250k
0.25%--Health Savings Account
0.10%$50-IRA Accumulator
0.10%$50-Education Savings
0.05%--Affinity Savings
0.05%--Savvy Saver Account
0.05%--Business Savings Account
0.05%--Club Savings Account
0.05%--Teen Savings

Affinity Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Money Manager Account
OTHER TIERS: 0.05% → $1k - $20k | 0.10% → $20k - $35k | 0.15% → $35k - $50k
0.20%*$50k*-IRA Money Manager
OTHER TIERS: 0.05% → $500 - $20k | 0.10% → $20k - $35k | 0.15% → $35k - $50k
0.20%*$50k*-Business Money Manager
OTHER TIERS: 0.05% → $1k - $35k | 0.10% → $35k - $50k

Affinity Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Enhanced Business Checking
OTHER TIERS: 0.10% → $25k - $75k | 0.20% → $75k - $250k
0.05%$1k-MoreChecking
0.01%--Business Checking
0.01%--Teen Checking

Affinity Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%$500-60 Months CD
1.30%$3,500-13 Month CD
1.25%$500-24 Months CD
1.20%$500-36 Months CD
1.15%$500-18 Months CD
1.09%$500-Business 60 Months CD
1.00%$500-Business 36 Months CD
0.80%$500-30 Months CD w/ Bump Up
0.70%$2,500-14 Months Even More Members CD
0.60%$2,500-14 Months More Members CD
0.50%$500-Business 18 Months CD
0.50%$500-Business 30 Months CD
0.50%$2,500-14 Months Standard Rate CD
0.40%$500-12 Months CD
0.40%$500-15 Months CD w/ Bump Up
0.35%$500-9 Months CD
0.30%$500-6 Months CD
0.30%$500-7 Months CD
0.30%$500-Business 12 Months CD
0.25%$500-3 Months CD
0.25%$500-Business 3 Months CD
0.25%$500-Business 6 Months CD
0.15%$500-30 Days CD
0.10%$500-Business 30 Days CD

Affinity Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%$500-60 Months IRA Certificate
1.85%$500-60 Months CESA Certificate
1.30%$3,500-13 Month IRA Certificate
1.30%$3,500-13 Month CESA Certificate
1.25%$500-24 Months IRA Certificate
1.25%$500-24 Months CESA Certificate
1.20%$500-36 Months CESA Certificate
1.20%$500-36 Months IRA Certificate
1.15%$500-18 Months IRA Certificate
1.15%$500-18 Months CESA Certificate
0.80%$500-30 Months IRA Certificate w/ Bump Up
0.80%$500-30 Months CESA Certificate w/ Bump Up
0.70%$2,500-14 Months Even More Members CESA Certificate
0.70%$2,500-14 Months Even More Members IRA Certificate
0.60%$2,500-14 Months More Members CESA Certificate
0.60%$2,500-14 Months More Members IRA Certificate
0.50%$2,500-14 Months Standard IRA Certificate
0.50%$2,500-14 Months Standard CESA Certificate
0.40%$500-12 Months IRA Certificate
0.40%$500-15 Months IRA Certificate w/ Bump Up
0.40%$500-12 Months CESA Certificate
0.40%$500-15 Months CESA Certificate w/ Bump Up
0.35%$500-9 Months IRA Certificate
0.35%$500-9 Months CESA Certificate
0.30%$500-6 Months IRA Certificate
0.30%$500-7 Months IRA Certificate
0.30%$500-6 Months CESA Certificate
0.30%$500-7 Months CESA Certificate
0.25%$500-3 Months IRA Certificate
0.25%$500-3 Months CESA Certificate
0.15%$500-30 Days IRA Certificate
0.15%$500-30 Days CESA Certificate
Locations

Affinity Federal Credit Union has 16 locations. Click to view all Affinity Federal Credit Union locations.