Affinity Federal Credit Union

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APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are available to Affinity Members only and subject to change at any time without notice. Fees may reduce earnings on deposits, see fee schedule for details.

Loan and credit card rates are lowest rates for qualified applicants, based on creditworthiness. Term restrictions may apply based on underwriting criteria. The maximum APR that may be imposed on any variable rate loan plan is 18.00%.

1. Checking Accounts

MoreSavings: There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Rate may change after account is opened.
Cash Back Debit: There is no minimum opening deposit or balance requirement.

2 Savings Accounts

MoreSavings: There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Rate may change after account is opened.
SmartStart Savings: APY is effective as of 2/18/2022. 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. There is no initial deposit requirement to open this account. There is no minimum balance requirement for this account. Fees could reduce earnings on this account. One account per member allowed.
If your daily balance is $4,999.99 or less, the dividend rate paid on the entire balance will be 1.98%, with an APY of 2.00%. A dividend rate of 0.10% will be paid only on the portion of your daily balance that is greater than $4,999.99. The APY for this tier will range from 2.00% to 0.14%, depending on the balance in the account.

3 Youth Accounts

Savvy Saver: Available for members ages 1–12. Account will be converted to a Regular Savings account at the time of the owner's 13th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01
Teen Checking & Savings: Available for members aged 13-16. Accounts will be converted to Revolution Spend and Revolution Save accounts respectively, at the time of the owner's 17th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.
Revolution Spend: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.
Revolution Save: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. Dividends are compounded daily and credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Balances between $0 - $2,500 will always earn 1.25% APY on all balances in this range. Balances of $2,500.01 and above will earn between 0.25% APY on total balances in this range. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.
Rate may change after account is opened.