Affinity Plus Federal Credit Union 30-Month CD Rate Surges Upward


Deal Summary: 30-month CD, 4.00% APY, $500 minimum deposit

Availability: Easy membership requirement

Minnesota-based Affinity Plus Federal Credit Union (Affinity Plus) recently raised the rate on its 30-month CD to 4.00% APY. Since the beginning of the month, a total of 250 bps have been added to the 30-month CD APY. The minimum opening deposit is $500, with no stated balance cap.

3.75%$500-Affinity Plus Federal Credit Union30 Month CD
Rates as of May 22, 2024.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows:

Terms of 12 months to 36 months – 180 days’ dividends

The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.

Funding and Other Particulars

  • Funding – ACH, wire transfer ($10 fee), or by mailing a check. Rate does not lock in until funds are received.
  • Maturing Funds – distributed by check to address on file, wire ($15 fee) or through internal transfer to checking/savings account.
  • Grace Period – ten days before automatic renewal.
  • Beneficiaries – unlimited, equal shares, Social Security number required.
  • Dividends – compounded and credited monthly; can be transferred to an Affinity Plus FCU liquid account.
  • Credit Check – Hard pull when applying for membership.


Headquartered in Saint Paul, Minnesota, Affinity Plus Federal Credit Union’s field of membership (FOM) is wide and varied, with a path to membership for almost any U.S. citizen or resident alien with a valid Social Security number.

Easy Membership: Joining the Affinity Plus Foundation with a one-time $25 dues payment, qualifies for Credit Union membership. Established in 2000, the Foundation is a 503(c)(3) that supports “financial education and programs through outreach, scholarships and grants.”

Residency: Individuals who live, work, or worship in Arden Hills, Mounds View, New Brighton, Roseville, Shoreview, St. Anthony, or the downtown areas of Minneapolis/Saint Paul, or the White Earth Reservation are eligible to join.

Employment: Employees/volunteers of more than 30 Preferred Partner companies, including the State of Minnesota and the University of Minnesota Twin Cities. Employees of any organization that receives funding from the State of Minnesota qualify for membership. These organization included, but are not limited to, “most schools, community colleges, private and public universities, nursing homes and hospitals, counties, cities, and nonprofit groups.”

Educational: Students and alumni of the seven Minnesota State 4-year universities or any Minnesota State community/technical college are eligible to join, as are current students of the University of Minnesota Twin Cities campus and University of Minnesota Alumni Association members.

Relationship: Relatives or roommates of current Affinity Plus members or anyone who is membership-eligible are welcome to apply.

Joining Affinity Plus and/or opening a CD can be done online or at any of the 28 full-service Minnesota branches located in Alexandria, Baxter, Bemidji (2) Cambridge, Coon Rapids, Duluth, Eagan, Faribault, Fergus Falls, Grand Rapids (2), Hastings, Lakeville, Mankato (2), Minneapolis (2), New Hope, Rochester, Roseville, Saint Cloud (2), Saint Paul (2), and Winona.

If a $25 Affinity Plus Foundation donation is what qualifies you for membership, please
note that the total minimum deposit (including your $10 member share) would be $35.

Affinity Plus participates in the CO-OP ATM network.

CO-OP's nearly 30,000 ATMs means you have more direct, surcharge-free
access to your money than most traditional bank customers do.

Credit Union Overview

Affinity Plus Federal Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.37% (excellent) based on June 30, 2022 data. In the past year, Affinity Plus has increased its total non-brokered deposits by $381.46 million, an excellent annual growth rate of 12%. Please refer to our financial overview of Affinity Plus Federal Credit Union (NCUA Charter # 24362) for more details.

Established in 1930 as the State Capitol Credit Union, the original FOM consisted of the employees of the state of Minnesota. The Affinity Plus rebrand occurred in 1999, following several acquisitions and expansions of the Credit Union’s charter. With more than 239,000 members and assets in excess of $3.9 billion, Affinity Plus is currently the third largest credit union and the sixth largest financial institution in Minnesota.

How the 30-Month CD Compares

When compared to similar length-of-term CDs tracked by that are nationally available and have minimum deposit requirements of $10k or less, two credit unions have higher rates than currently offered on the Affinity Plus Federal Credit Union 30-month CD. The following table compares the 30-month CD to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 10/17/2022.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Rochester CD rates, Minneapolis CD rates, Duluth CD rates, La Crosse CD rates, Fargo CD rates, Mankato CD rates, 5-year CD rates, nationwide deals

Affinity Plus Federal Credit Union 4-Year CD Added To CD Rate Summary
Deal Summary: 48-month CD, 1.05% APY, $500 minimum deposit

Availability: Easy membership requirement

One of the NTS (New to Summary) CDs in this week’s CD Rates Summary is Affinity Plus Federal Credit Union’s (Affinity Plus) 48-month CD. Currently earning 1.05% APY, the 48-month CD can be opened with a $500 minimum deposit, with no stated balance cap.

At the beginning of the year, a 10 bps increase gave the 48-month CD an APY of 1.20%, a rate which lasted for about two months. The...

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Affinity Plus Federal Credit Union 60-Month CD Is New Rate Leader
Deal Summary: 60-month CD, 1.50% APY, $500 minimum deposit

Availability: Easy membership requirement

Last January, I wrote about the excellent rates offered on three Affinity Plus Federal Credit Union (Affinity Plus) CDs. At that time, the 18-, 30-, and 60-month CD rates had been increased by 25 bps and earned 2.25% APY, 2.50% APY, and 3.00% APY, respectively. Those competitive rates were short-lived, disappearing before the month was out.

Affinity Plus started 2021 by adding 25 bps to the 60-month CD, which now earns 1.50% APY....

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Affinity Plus Federal Credit Union Unveils Superior Money Market
Deal Summary: Superior Money Market, 2.02% APY (up to $25k), 1.00% APY ($25k+), if qualifying requirements are met.

Availability: Easy membership requirement

You may have noticed a new nationally available money market making its debut in yesterday’s Best Bank Account Rates Summary. The Superior Money Market account was added to the Affinity Plus Federal Credit Union (Affinity Plus) product line earlier this month.

While the Superior Money Market’s 2.02% APY looks competitive at first glance, there are a couple of limitations that reduce its attractiveness....

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Affinity Plus Federal Credit Union 60-Month CD Is A Rate Leader
UPDATE 1/20/2020: Rate on the 60-month CD has dropped to 2.50% APY.

Deal Summary: 60-month CD (3.00% APY), 30-month CD (2.50% APY), 18-month CD (2.25% APY), $500 minimum deposit

Availability: Easy membership requirement

As I was going through last week’s rate changes in preparation for today's CD Summary, I came across some nice CD rate increases at Affinity Plus Federal Credit Union (Affinity Plus). The 18-, 30-, and 60-month CDs were increased by a uniform 25 bps over the weekend, and now earn...

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Affinity Plus Federal Credit Union CDs Are Now Competitive
Deal Summary: CDs – 18-month (2.50% APY), 24-month (2.50% APY), 36-month (2.75% APY), 48-month (2.75% APY), 60-month (3.00% APY), $500 minimum deposit

Availability: Easy membership requirement

When DA readers scrolled through yesterday’s CD Rates Summary, they may have noticed many CDs marked as “NTS.” These “New-to-Summary” CDs have become competitive not through rate increases, but by simply maintaining their APYs while other rates have dropped. The addition of some 40 NTS CDs significantly increased the size of the Summary. While my initial thought was...

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