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Affinity Plus Federal Credit Union

Popular Accounts at this Credit Union

2.25%5-year CD60 Month CD
2.15%4-year CD48 Month CD
1.50%3-year CD36 Month CD

Overview / Commentary
175 W Lafayette Frontage Rd
Saint Paul, MN 55107-1488

Affinity Plus Federal Credit Union is headquartered in Saint Paul and is the 2nd largest credit union in the state of Minnesota. It is also the 117th largest credit union in the nation. It was established in 1934 and as of December of 2017, it had grown to 536 employees and 189,572 members at 29 locations. Affinity Plus Federal Credit Union's savings rates are 92% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Affinity Plus Federal Credit Union is open to anyone through making a one-time $25 lifetime dues payment to the Affinity Plus Foundation. Membership is also open to the following: (1) those who live, work or worship in Roseville, Arden Hills, Mounds View, Shoreview, St. Anthony, New Brighton, or downtown Minin neapolis/St Paul; (2) employees of the State of Minnesota, the University of Minnesota, any organization that receives funding from the State of Minnesota or students and alumni of the University of Minnesota.
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Reviews (8)

Excellent Experience with Affinity Plus Federal Credit Union

I have banked with Affinity Plus for the past seven years. They have been very easy to work with and I imagine I will continue using them for the foreseeable future. I currently have four accounts at Affinity - checking, savings, Wincentive savings, and an auto loan. The Wincentive savings account was brought to my attention by an employee. For every $25 deposited (up to five times per month), you are entered into a monthly and yearly contests for various cash prizes. I generally only deposit the minimum $25 each month but have won $100 so far. The other benefit of this savings account is that it allows me to keep a portion of my money that cannot be easily raided, like my general savings account.

The Rewards program at Affinity has been very generous and useful for me. I have covered overdraft fees and purchase cancellation fees. Just recently I used some of my points to lower my auto loan interest rate by 0.5%.

Credit Union are the best

I currently own a checking and savings account with Affinity Plus. But I have other accounts with another bank for IRAs and Money Market and other savings and checking accounts with US bank and USAA. I chose to reflect on Affinity Plus because of their exceptional online banking platform. Literally, anything transaction can be down via their online chat or via email. I have ordered checks, bank statements, money orders, and schedule appointments through their online chat system. Additionally, their mobile app allows me quick access to my accounts and I am able to deposit checks remotely for free. One of the down sides of the mobile app is that it does not have a finger touch login. You will need to enter your username and password each time you log. Also, for a long time, you could not link it to personalcapital and so you had to manual track your expenditure through excel. But recently, they've rectified that problem, which has made the online banking experience much more better.

Best Service

Posted by: jillpeters | May 1, 2017

I have had the best service with Affinity Plus Credit Union. Anytime I have gone in for any issue it has been resolved immediately. If I needed a car loan or anything it was very quick and even able to do it over the phone. The rates are very low and have even been able to buy down my interest rate with the points I earn by just having transactions. Online banking is very easy to use and has a wonderful web interface. I also like the fact that I can deposit checks through my phone via an Affinity Plus App. I have used that several times already and have never had any issues doing that. I have also had fees reversed on my account if I have had any problems with any purchases that were made wrongly.

Affinity Plus gets an A+ from me!

I have been a member of Affinity Plus Federal Credit Union for 7 years. During that time, I've lived in 3 different states, and have never needed to change my primary account to another institution, because they make it SO EASY to stay connected! I can obviously use direct deposit for my paychecks, but the mobile app has really simplified my life. With it, I can deposit checks into my account, check my balance, find a no-fee ATM, and more. Speaking of fees... there virtually are NONE at Affinity Plus! I found an ATM at another credit union in my neighborhood, so I don't ever have to pay to get my own cash. If I can't find an ATM, there's always the cash-back option at a store using my chip-debit card. I LOVE my credit union, and will more than likely always be a member - no matter what state I live in!

All About You

Posted by: ShariLA5 | Feb 16, 2015

Affinity Plus is, by far, the best bank out there! They really are all about the customer and making your experience with them easy and enjoyable. They don't kill you with fees and are very competitive and almost always have the lowest rates. Staff is always available, ready to help, and of course very friendly. I was sick of dealing with fees every time I turned around and never having anyone there to help me with all the issues I was having. That's when I decided it was time to move all of my accounts to someplace friendlier, more convenient, and felt that I could trust. Affinity Plus was the place and I haven't been sorry since. The most enjoyable banking experience I've ever had! Thank you Affinity Plus!!!

There for you

I've been at this bank about 5 years now. I currently have a savings account there. Whenever I walk into my institution I am always greeted by someone by the door with a smile and a warm hello. The lines sometimes at the credit union can get a bit large however the workers try to do their best job to get the lines moving fast. The one experience I had with this credit union that really made them stand out in my eyes was when I went in to get a loan for a car that I was purchasing. It was my first vehicle so I was a bit nervous about it. The teller pulled up a car history report for me and then walked me through the steps of the loan. Additionally, it happened to be my girlfriend and my 2nd year anniversary, I told this to the teller and they lowered my interest rate, just due to this fact. That really shocked me at how personable this bank is, they really are there for you and do their best to make sure that your experience is comfortable and you understand everything.

Good credit union, mediocre website

Posted by: MoneyMan2 | Oct 15, 2014

I've been banking with Affinity Plus for about 7 years now and I have mostly nothing but good things to say. The customer service is great and they do everything that they can to help their members. My one complaint is the lackluster website and mobile support. I've seen some of the mobile offerings from corporate banks and they're miles ahead of what Affinity offers. I'm hoping they can catch up, as this is my only real complaint.

Affinity Plus

I've banked here for over 25 years and overall I've been reasonably happy with my experiences. Their checking accounts are competitive with other institutions, and their savings products have been decent. I've never had any really negative experiences - I guess my biggest complaint would be that it can take a really long time to get served sometimes. Even with the drive-thru, I've regularly had to wait over 15 minutes just to deposit some checks or make a withdrawal. I guess this means that it's a pretty good institution and lots of people like banking there... I think their rates could be a little better compared to other credit unions. I've always had pleasant, friendly tellers and receptionists whenever I've gone in, and they're very good at making sure you get your questions answered, and they will go out of their way to ensure you're using all of the benefits you're entitled to when you bank there.


Health Grade Components

NCUA #24362
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD10.11%
Annual Interest Income$76.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.06B$1.92B
LoansQ4 2017vs Q4 2016$1.87B$1.71B
DepositsQ4 2017vs Q4 2016$1.86B$1.73B
Equity CapitalQ4 2017vs Q4 2016$190.7MM$171.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$9.3MM$8.4MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$13.1MM$13.6MM
Real Estate OwnedQ4 2017vs Q4 2016$1.5MM$1.6MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Affinity Plus Federal Credit Union Savings Account Rates

1.00%*-$500Membership Savings
OTHER TIERS: 0.10% $500+
0.30%--Classic IRA
0.10%--Shares II
0.10%--Vacation Club Savings Account
0.10%--Holiday Club Savings Account
0.10%--Business Shares
0.10%--WINcentive Savings
0.10%--Business Shares II

Affinity Plus Federal Credit Union Money Market Rates

0.50%$25k-Nova Money Market
0.45%$10k-A+ Money Market
0.40%*$5k*-Capitol Money Market
OTHER TIERS: 0.35% $2k - $5k

Affinity Plus Federal Credit Union Checking Account Rates

0.13%*$5k*$25kInterest Reward Checking
OTHER TIERS: 0.10% $25k+
0.10%$200-Progressive Checking
0.10%--Commercial Checking
0.05%--Small Business CHecking

Affinity Plus Federal Credit Union CD Rates

2.25%$500-60 Month CD
2.15%$500-48 Month CD
1.75%$500-30 Month CD
1.50%$500-36 Month CD
1.25%$500-18 Month CD
1.00%$500-24 Month CD
0.75%$500-12 Month CD
0.65%$100-12 Month CD Builder
0.50%$500-6 Month CD
0.50%$25k-12 Month Wahoo! CD
0.40%$500-3 Month CD

Affinity Plus Federal Credit Union IRA Rates

2.25%$500-60 Month IRA
2.15%$500-48 Month IRA
1.50%--36 Month IRA
1.00%$500-24 Month IRA
0.65%$100-12 Month IRA Builder
0.50%$25k-12 Month IRA Wahoo!