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Overview / Commentary
545 E 2nd St
Jamestown, NY 14701

Affinity One Federal Credit Union is headquartered in Jamestown and is the 140th largest credit union in the state of New York. It is also the 2,757th largest credit union in the nation. It was established in 1948 and as of September of 2016, it had grown to 13 employees and 3,892 members at 3 locations. Affinity One Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship, or attend school in, and businesses and other legal entities located in our service area,and immediate family of someone of the qualifying group.
See current membership details

Reviews (2)

A reliable and friendly credit union

Posted by: Omniomni | Dec 11, 2016

What Affinity Federal Credit Union excels at are low fees and wonderfully nice customer service. What could use improvement are its website and its telephone hold times. I first got an Affinity savings account 10 years ago. It's hard to avoid ATM fees for cash advances, however, if you don't live in New Jersey. One good thing about Affinity is it does not charge me an ATM fee, ever. The website could be better designed, but once you're used to it , it can be used for information and customer service with relative ease. The menu system at the top of the home page is arcane. Even after over 10 years of being a customer, it still takes me more than 10 minutes, sometimes, to find what I am looking for. The phone banking (using a system called Audrey), has been, for me, almost impossible to use. After several attempts I just threw in the towel. There are limits to Affinity online presence, however. Several years ago I had a problem that I needed help with (about direct deposits). Though the customer service was extremely polite, it took several phone calls and emails until I got an answer. This process could stand some streamlining, obviously.

Overall, a nice friendly institution, but not an online star!

Affinity One FCU Review

I joined this credit union based off of reviews on this site, as well as the fact that is highly rated on BBB and they offer a generous APY on their Super Reward Checking Account. I have been using Provident for about 5 months now and I am sad to say that I am dissatisfied. The ATM is constantly out of order and the ATM even ate my money the other day and went out of order once again. I told the tellers inside and they filed a report and gave my account a credit for the amount of money that was stuck in the machine. About a week later, I noticed that the credit had been revoked from my account and replaced with a smaller credit, which tells me that they didn't "find" all of my money in the ATM machine. No one ever notified me of these transactions occurring. If they're going to dock money from my account, you'd think they would have the courtesy to at least talk to me about it. This credit union is not worth the trouble for a few extra bucks a month from APY. Take your money elsewhere, as it's clearly not important to this credit union to keep it safe.



Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Affinity One Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #5785
Year Chartered1948
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD-0.15%
Return on Equity - YTD-1.05%
Annual Interest Income$910.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$34.0MM$32.1MM
LoansQ3 2016vs Q3 2015$22.7MM$22.3MM
DepositsQ3 2016vs Q3 2015$29.7MM$27.8MM
Equity CapitalQ3 2016vs Q3 2015$4.7MM$4.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$136.00K$91.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$38.00K$116.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates

Sorry, we do not have rate data for Affinity One Federal Credit Union.

Locations


Affinity One Federal Credit Union Locations
Branch Office545 E 2nd StJamestown, NY 14701
Branch Office10 Sessions AveLakewood, NY 14750-2114
Branch Office1870 New York AveFalconer, NY 14733