Affinity Plus Federal Credit Union

Overview / Commentary
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 104th largest credit union in the nation. It was established in 1934 and as of June of 2023, it had grown to 588 employees and 255,808 members at 28 locations. Affinity Plus Federal Credit Union's money market rates are 8X the national average, and it has a B 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.

Account Opening Denied

Posted by: |

I saw Affinity Plus listed as offering a 1% APY for a money market account, double what everyone is offering for high yield savings. I don't live in the area so I was going to join by donating to their foundation. When I applied online and submitted a driver's license and Social Security card, I received a notice a few hours later they could not approve me. I then went on video chat and the nice rep said the system just couldn't process my fraud alert but I could apply by paper form with a manual review. I did that but didn't hear back for five days. When I went back on chat I was told they could not approve me again and that they couldn't tell me more except with the letter that is coming in the mail. I've never been denied any bank account or credit card and have no black marks. It's a shame because their denial is keeping me from trying to keep up better with inflation. I'm sure they will ask me to come in person, which I might be able to do in about four months. I'm just going with someone else instead.

Ruined My Credit!

Posted by: |

I've had an open personal loan for almost two years with no issues, in fact I've always paid more than the minimum payment every month. Not realizing my automatic payments weren't set up, I missed a payment and it went over 30 days past due. I was not notified until my payment was 35 days late and a missed payment was reported to my credit reports. My score dropped 80+ points! I reached out to Affinity Plus management only to find out they're absolutely unwilling to help. I would recommend finding a credit union who actually value real people instead of the image they portray.



Health Grade Components

NCUA #24362
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD8.92%
Annual Interest Income$91.7MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$4.15B$3.91B
LoansQ2 2023vs Q2 2022$3.51B$3.34B
DepositsQ2 2023vs Q2 2022$3.54B$3.56B
Equity CapitalQ2 2023vs Q2 2022$331.7MM$320.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$16.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$16.2MM$14.7MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

2.00%--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

4.00%*-$25kSuperior Money Market
OTHER TIERS: 3.50% $25k+
3.50%$25k-Nova Money Market
3.50%*$25k*-Business Money Market
OTHER TIERS: 2.85% $5k - $10k | 3.00% $10k - $25k
3.00%$10k-A+ Money Market
2.85%*$5k*-Capitol Money Market
OTHER TIERS: 2.75% $2k - $5k

Affinity Plus Federal Credit Union Checking Account Rates

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

5.25%$500-13 Month CD
5.25%$500-Business 13 Month CD
4.75%$500-6 Month CD
4.75%$500-18 Month CD
4.75%$500-Business 6 Month CD
4.75%$500-Business 18 Month CD
4.50%$500-36 Month CD
4.50%$500-Business 36 Month CD
4.00%$500-12 Month CD
4.00%$500-Business 12 Month CD
3.75%$500-30 Month CD
3.75%$500-Business 30 Month CD
3.25%$500-Business 42 Month CD
3.25%$500-42 Month CD
3.00%$500-54 Month CD
3.00%$500-66 Month CD
3.00%$500-Business 54 Month CD
3.00%$500-Business 66 Month CD
2.75%$500-24 Month CD
2.75%$500-Business 24 Month CD
2.50%$500-48 Month CD
2.50%$500-60 Month CD
2.50%$500-Business 48 Month CD
2.50%$500-Business 60 Month CD
1.00%-$25k12 Month Wahoo! CD
1.00%$100-12 Month CD Builder
1.00%$100-Business 12 Month CD Builder
1.00%-$25kBusiness 12 Month Wahoo! CD
0.30%$500-3 Month CD
0.30%$500-Business 3 Month CD

Affinity Plus Federal Credit Union IRA Rates

4.50%$500-36 Month IRA
4.00%$500-12 Month IRA
2.50%$500-60 Month IRA
1.00%-$25k12 Month Wahoo! IRA
1.00%$100-12 Month IRA Builder


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