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 112th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 496 employees and 232,691 members at 22 locations. Affinity Federal Credit Union's savings rates are 6X 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
Great Rates. Good Service
Best Interest Rate in area. Only one branch in CT
Affinity Federal Credit Union At Bardonia, NY
Very friendly and very efficient service. Also good rates on money market accounts.
Overall Great Experience
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.
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 !!!
STOP!! DONT TRUST THIS BANK!
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.
Incompetent & Rude
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.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 857 |
| Year Chartered | 1935 |
| Employees | 496 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.16% |
| Return on Equity - YTD | 2.05% |
| Annual Interest Income | $51.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $4.24B$4.17B |
| Loans | Q1 2025vs Q1 2024 | $3.56B$3.72B |
| Deposits | Q1 2025vs Q1 2024 | $3.67B$3.58B |
| Equity Capital | Q1 2025vs Q1 2024 | $320.1MM$314.8MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $43.2MM$54.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $30.2MM$49.6MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
