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Affinity Federal Credit Union

Popular Accounts at this Credit Union

1.85%5-year IRA60 Months IRA Certificate (Traditional, Roth)
1.00%2-year IRA24 Months IRA Certificate (Traditional, Roth)
1.85%5-year CD60 Months CD

Overview / Commentary
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 74th largest credit union in the nation. It was established in 1935 and as of March of 2016, it had grown to 366 employees and 130,367 members at 16 locations. Affinity Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who are members of one of several associations or clubs (open to most people living in New Jersey, New York, or Pennsylvania) or an employee of a select business.
See current membership details

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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.

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.

Criminals & Theives

Posted by: blu74 | Dec 22, 2013

Affinity has done nothing but ruined our lives. PERIOD. My spouse worked there for over a decade & they then froze his salary for years, gave him a promotion with more work promising higher pay but never fully trained him nor gave him the raise. We were unable to buy food or get heat into the house. Fast forward to my husband not having his job there anymore-Affinity came after us like flies on.....over the mortgage payments and car payments. They came after me like crazy for late car payments, lied to us telling us the car was to be repossessed in 10 days just to get our payment, they harassed us at home via hundreds of e-mails and phone calls per week and sent some strange guy to our door who left a plain white handwritten envelope also harassing us, like the some bounty hunter. We tried to get a modification, took months and all the while the other dept was forging ahead with foreclosure. They took my payment for our car & 20 days later came and repossessed it out of my driveway, then they had no idea where it was towed to, they lost it. Finally found it & with a lawyer got it back. They wanted a payment to start the modification & took it out of my personal checking acct without my authorization, almost $4,000 taken from my bank account with just my name on it then they froze my account. Then the modification expired. Then they sent their lawyers after us again after bankruptcy going after my car again claiming we didn't make a payment on the mortgage when in fact we did & gave proof of it. I also found out, and this is the best, that they put through the loan application for our car which had my FORGED signature on it as a co-signer, I'm currently in the midst of getting a lawyer over the forgery. I disputed it on my credit report but of course Affinity contested it...of course. There's more but I'd need a week to write it all. They are nothing but thieves and crooked as any bank can be. They will not work with us anymore to do another modification on the mortgage. We cannot afford food or heat right now and we have done nothing but tried desperately to keep the house and the only car we own but they are waited with baited breath to get it all and they probably will. As soon as the mortgage is late 3 months they will come take our car, then take the house. They have taken not only our material posessions but our lives as we knew it, we have been ruined by this credit union, we've been reduced to losing everything we own as well as being robbed in our bank accounts. They also wiped out my 7 yr old's small bank account we had for him with some money as a start up account back when we were waiting on the modification the first time, this after they wiped out my husband's checking of every single dime had had to his name in it and then froze both accounts. And the scumbags had the nerve to send us a Christmas card this year. We work 7 days a week and do what we can and then some, the only thing we haven't given them yet is our blood. Nothing but scumbags out to ruin an average middle class family that is struggling and doing illegal practices all the while. I have been depressed over this, I cry often, they have ruined us & at our age we will not recover as easily. My husband now cannot get a job because of his credit, Afinity will not take the car off my credit report even though the signature was forged & I'm having issues getting a job because of my credit no with the car on the credit report. They will ruin you until you become depressed & want to end it all. They are pure scumbags.

Mortgage Dept Is A Nightmare

Posted by: Chris12 | Mar 6, 2012

I've had accounts and loans with Affintiy for 11 years and never had a problem. And as long as you don't have a problem they are great but if you should ever fall on difficult times this is not the lender you want to be dealing with. My motgage was 45 days past due and their mortgage guy went into all of my minor childrens accounts and cleaned them out without any notification. Even my oldest child whose account was set up when he was a minor and was working and putting his money into his account had it cleaned out one week before his college tuition was due. I understand collecting a debt but this was only late payments I was not in forclosure and never was. This was a company I had an eleven year relationship with and numerous loans that I had always paid and they treated me like a criminal. I could write pages on how their mortgage guy treated me and to this day I cringe when I have to walk into that bank to pay my mortgage. I cannot wait to refinance my loan to get away from these people.



Health Grade Components

NCUA #857
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD4.64%
Annual Interest Income$20.3MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$2.46B$2.34B
LoansQ1 2016vs Q1 2015$1.98B$1.81B
DepositsQ1 2016vs Q1 2015$2.15B$2.06B
Equity CapitalQ1 2016vs Q1 2015$214.0MM$202.2MM
Loan Loss AllowanceQ1 2016vs Q1 2015$32.4MM$35.0MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$20.3MM$27.7MM
Real Estate OwnedQ1 2016vs Q1 2015$6.5MM$4.1MM
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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

1.25%*-$2,500Revolution Save
OTHER TIERS: 0.25% $2,500+
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

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

0.30%*$250k*-Enhanced Business Checking
OTHER TIERS: 0.10% $25k - $75k | 0.20% $75k - $250k
0.01%--Business Checking
0.01%--Teen Checking

Affinity Federal Credit Union CD Rates

1.85%$500-60 Months CD
1.20%$500-36 Months CD
1.15%$500-18 Months CD
1.09%$500-Business 60 Months CD
1.00%$500-24 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 6 Months CD
0.20%$500-Business 3 Months CD
0.15%$500-30 Days CD
0.10%$500-Business 30 Days CD

Affinity Federal Credit Union IRA Rates

1.85%$500-60 Months IRA Certificate
1.85%$500-60 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
1.00%$500-24 Months IRA Certificate
1.00%$500-24 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

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