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4.94%

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3.50%

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4.00%

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as low as

12.85%

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Earn up to 3.50% APY toward your financial dreams with our award-winning SmartStart Savings account.

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Earn 4.00% APY when you open a 8-month promotional certificate account with Affinity.

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Save more for your business with Affinity’s Business Money Manager account.

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AFFINITY FOUNDATION

Transforming Lives. Empowering Communities.

To provide Affinity's members and our communities with solutions to improve financial wellness, educational programs that enable self-sufficiency, and support that ensures access to essential healthcare services. Our vision is to end the cycle of poverty for those we serve.

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FINANCIAL WELLBEING

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4 Financial Education Resources All Millennials Need

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The Importance of Starting a Youth Account

In 2022, 64% of Americans said they believe that young adults should be financially independent by...

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¹APY = Annual Percentage Yield. APY is effective as of . The APY is accurate as of the latest dividend declaration date. Dividend rates and annual percentage yield are subject to change after the account is opened at our discretion without notice to you. We do not impose a limit on the amount the dividend rate and Annual Percentage Yield on your account may change. The dividend rate on your account is determined by the credit union. This account requires an initial opening deposit of $5.00. There is no minimum balance requirement for this account. Fees could reduce earnings on this account. One account per member allowed. Affinity membership is required with $5 deposit to membership eligibility account. This account is not offered for members who already have an active Cash Back Plus account opened.

Qualifications: The following criteria must be met to qualify for the stated dividend rate: at least 12 Debit card transactions, at least one Direct Deposit or ACH credit transaction (a minimum of $250 or more for each), and enrollment in electronic statements. If your daily balance is $15,000 or less, the dividend rate paid on the entire balance will be 5.35%, with an APY of 5.50%. A dividend rate and APY of 0.50% will be paid only on the portion of your daily balance that is greater than $15,000. If qualifying criteria are not met, the dividend rate and APY of 0.05% will be paid on the entire balance of the account in the same dividend period. Closure of this account does not terminate credit union membership. However, if your account(s) is closed before its rewards are credited, you will forfeit the account(s)’ rewards.

The ATM refund will be received at the end of the statement cycle. When the qualifications are not met, ATM withdrawal fees are not refunded.

²Earn 10% Cash Back on up to $150 in debit card purchases (point of sale purchases can be either a PIN or signature debit card purchase, including online transactions) each month. Up to $15 cash back per month in which you meet the qualifying criteria. Cash back earned each month will be credited to your individual account or to your linked Performance Savings account, as appropriate, on the last day of the current Statement Cycle. “Statement Cycle" means the period of time for which our institution provides a summary of the financial activities and transactions that completed to the accountholder's account. ATM transactions, the purchase of money orders or cash equivalents, loan payments and account funding made with your debit card are not eligible for cash back rewards. This account requires an initial opening deposit of $5.00. There is no minimum balance requirement for this account. One account per member allowed. Affinity membership is required with $5 deposit to membership eligibility account. This account is not offered for members who already have an active High-Yield Checking account opened.

Qualifications: The following criteria must be met to qualify for the account(s)' rewards: at least 12 Debit card transactions, at least one Direct Deposit or ACH credit transaction (a minimum of $250 or more for each), and enrollment in electronic statements. Closure of this account does not terminate credit union membership. However, if your account(s) is closed before its rewards are credited, you will forfeit the account(s)’ rewards. Cash back offer terms and conditions are subject to change without notice. Cash back earned may be reported on an IRS 1099 Form, if applicable.

The ATM refund will be received at the end of the statement cycle. When the qualifications are not met, ATM withdrawal fees are not refunded.