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Affinity Federal Credit Union


Overview / Commentary
www.affinityfcu.com
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 90th largest credit union in the nation. It was established in 1935 and as of June of 2023, it had grown to 508 employees and 234,040 members at 23 locations. Affinity Federal Credit Union's savings rates are 8X the national average, but it has a C 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 or the Connecticut Jump$tart Coalition (one-time $5 membership fee for either). 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

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Reviews (14)

Affinity Federal Credit Union At Bardonia, NY

Posted by: |

Very friendly and very efficient service. Also good rates on money market accounts.

1

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.

1

Great alternative to traditional bank

Posted by: |

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.

6

STOP!! DONT TRUST THIS BANK!

Posted by: |

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.

1
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Health
C

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #857
Year Chartered1935
Employees508
Primary Regulator
Profit Margin
Return on Assets - YTD0.03%
Return on Equity - YTD0.37%
Annual Interest Income$98.6MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$4.56B$3.82B
LoansQ2 2023vs Q2 2022$4.07B$3.32B
DepositsQ2 2023vs Q2 2022$3.35B$3.29B
Equity CapitalQ2 2023vs Q2 2022$348.0MM$325.6MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$32.2MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$77.4MM$30.6MM
Real Estate OwnedQ2 2023vs Q2 2022$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
4.25%*$100k*-Affinity High-Yield Savings
OTHER TIERS: 0.05% → Up to $100k
4.00%*-$5kSmartStart Savings
OTHER TIERS: 1.00% → $5k+
2.25%*$250k*-MoreSavings
OTHER TIERS: 1.00% → Up to $25k | 1.15% → $25k - $100k | 1.75% → $100k - $250k
1.25%*-$2.5kRevolution Save
OTHER TIERS: 0.25% → $2.5k+
0.25%--Health Savings Account
0.15%--IRA Accumulator
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
3.25%$2.5k-Business Money Manager
0.55%*$50k*-IRA Money Manager
OTHER TIERS: 0.15% → Up to $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%--Teen Checking

Affinity Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.50%$50k-8 Month CD Special - New Money
5.50%$50k-14 Month CD Special - New Money
5.25%$500-17 Month CD Special - New Money
5.00%*$100k*-14 Month CD Special
OTHER TIERS: 4.80% → $500 - $50k | 4.90% → $50k - $100k
5.00%*$100k*-Business 14 Month CD Special
OTHER TIERS: 4.80% → $500 - $50k | 4.90% → $50k - $100k
5.00%$500-8 Month CD Special
5.00%$500-Business 6 Month CD Special
4.50%$500-7 Month CD
4.25%*$100k*-22 Month CD Special
OTHER TIERS: 4.05% → $500 - $50k | 4.15% → $50k - $100k
4.25%*$100k*-Business 22 Month CD Special
OTHER TIERS: 4.05% → $500 - $50k | 4.15% → $50k - $100k
4.00%$500-12 Month CD
4.00%$500-Business 12 Month CD
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
5.00%*$100k*-14 Month IRA Certificate Special
OTHER TIERS: 4.80% → $500 - $50k | 4.90% → $50k - $100k
4.50%$500-7 Month IRA Certificate
4.25%*$100k*-22 Month IRA Certificate Special
OTHER TIERS: 4.05% → $500 - $50k | 4.15% → $50k - $100k
4.00%$500-12 Month IRA Certificate
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
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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.