Affinity Plus Federal Credit Union


Overview / Commentary
651-291-3700
175 W Lafayette Frontage Rd
Saint Paul, MN 55107

Affinity Plus Federal Credit Union is headquartered in Saint Paul and is the 3rd largest credit union in the state of Minnesota. It is also the 106th largest credit union in the nation. It was established in 1934 and as of June of 2021, it had grown to 530 employees and 224,879 members at 28 locations. Affinity Plus Federal Credit Union 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 Minneapolis/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.
See current membership details

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!

Can Only Fund With Credit Card Or "Plaid"

The website is nice and live chat is excellent. Tried to sign up for Superior Money Market paying 2%. Unfortunately I can only fund with credit card (via cash advance) or with an app called Plaid. Plaid wants the username and password of your bank. So they don't perform bank transfers in the normal way with only the account number and routing number.

Application Declinded?

Posted by: |

I applied for a CD from out-of-state, something I've done many times with many different financial institutions.

I was stunned when I got an email saying "We regret we cannot open your account...We were unable to verify your identity or other personal information."

There was some glitch, and, short of traveling 3,000 miles to appear personally at the credit union, I was told that there was nothing they could do. Very frustrating.

Fortunately, there was something I could do. I opened a CD at Hiway Federal Credit Union where they were extremely helpful.

Terrible Service

Posted by: |

What isn't clear, is you cannot have more than 25 transactions in a day. Yesterday, I reached this and received many declined transactions. When I called, I couldn't get a hold of a person. When I finally did get a hold of a person, they said they'd reset the card and I should be good. It was not. I was at a store and tried to purchase food/household items. It declined again. There was no one available anymore when I called back to find out why this was still happening. I had to call the next day (today) to find out they blocked my card and I cannot make more than 25 purchases. They were not concerned about my issues. They were not concerned if I would close my account. My complaints and concerns about their services were not well received. The person on the phone apologized but had nothing further to say. They just do not care about customer service.

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Health

Health Grade Components

Overall
NCUA #24362
Year Chartered1934
Employees530
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD14.26%
Annual Interest Income$54.3MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$3.49B$2.89B
LoansQ2 2021vs Q2 2020$2.77B$2.27B
DepositsQ2 2021vs Q2 2020$3.18B$2.61B
Equity CapitalQ2 2021vs Q2 2020$282.0MM$249.3MM
Loan Loss AllowanceQ2 2021vs Q2 2020$21.2MM$16.1MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$9.4MM$10.8MM
Real Estate OwnedQ2 2021vs Q2 2020$0$145.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Affinity Plus 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 Plus Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Savings
0.10%--Shares II
0.10%$10-Business Shares
0.10%--Membership Savings
0.10%$5-WINcentive Savings
0.10%--Business Shares II

Affinity Plus Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$25kSuperior Money Market
OTHER TIERS: 0.35% $25k+
0.35%$25k-Nova Money Market
0.25%$10k-A+ Money Market
0.20%*$5k*-Capitol Money Market
OTHER TIERS: 0.15% $2k - $5k

Affinity Plus Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.13%*$200*$25kInterest Reward Checking
OTHER TIERS: 0.10% $25k+
0.10%--Commercial Checking
0.05%--Small Business Checking

Affinity Plus Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month CD
1.25%$500-Business 60 Month CD
1.05%$500-48 Month CD
1.05%$500-Business 48 Month CD
0.90%$500-36 Month CD
0.75%$500-24 Month CD
0.75%$500-30 Month CD
0.75%$500-Business 36 Month CD
0.75%$500-Business 30 Month CD
0.65%$500-18 Month CD
0.65%$500-Business 18 Month CD
0.65%$500-Business 24 Month CD
0.55%$500-12 Month CD
0.55%$500-Business 12 Month CD
0.45%$100-12 Month CD Builder
0.45%$100-Business 12 Month CD Builder
0.40%-$25k12 Month Wahoo! CD
0.40%-$25kBusiness 12 Month Wahoo! CD
0.35%$500-6 Month CD
0.35%$500-Business 6 Month CD
0.30%$500-3 Month CD
0.30%$500-Business 3 Month CD

Affinity Plus Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month IRA
0.90%$500-36 Month IRA
0.55%$500-12 Month IRA
0.45%$100-12 Month IRA Builder
0.40%-$25k12 Month Wahoo! IRA
Locations

Availability

Minneapolis Area

Interactive local rates map


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