What are the current interest rates at Affinity Federal Credit Union?

Current rates for Affinity Federal Credit Union include: Savings: 0.05%

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Affinity Federal Credit Union

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Affinity Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Affinity Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Affinity Federal Credit Union's 8-Month Promotional CD rates are at 3.80%, 14-Month Promotional CD rates are at 3.55%, 14-Month Promotional CD rates are at 3.45%, 14-Month Promotional CD rates are at 3.35%, 22-Month Promotional CD rates are at 3.00%. Affinity Federal Credit Union's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Affinity Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.10%. Rates last updated and verified on 08/28/2026.

Affinity Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Affinity Federal Credit Union? Share your experience about Affinity Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Affinity Federal Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.10%

Excellent Higher than avg

Affinity Federal Credit Union
Headquarters

73 Mountainview Blvd
Basking Ridge, NJ 07920 3849

https://affinityfcu.com

Affinity Federal Credit Union CD Rates

Product	Rate	APY	Term
8-Month Promotional Certificate	-	3.80%	8 months
Min Deposit $500 Min Balance $500 Details On the maturity date, the certificate will automatically renew to a 6-month term at the rate in effect for that term at the time of renewal. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
14-Month Promotional Certificate	-	3.55%	14 months
Min Deposit $500 Min Balance $100,000 Details On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
14-Month Promotional Certificate	-	3.45%	14 months
Min Deposit $500 Min Balance $50,000 Details On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
14-Month Promotional Certificate	-	3.35%	14 months
Min Deposit $500 Min Balance $500 Details On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
22-Month Promotional Certificate	-	3.00%	22 months
Min Deposit $500 Min Balance $100,000 Details On the maturity date, the certificate will automatically renew to a 24-month certificate at the rate in effect for that term at the time of renewal. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
22-Month Promotional Certificate	-	2.90%	22 months
Min Deposit $500 Min Balance $50,000 Details On the maturity date, the certificate will automatically renew to a 24-month certificate at the rate in effect for that term at the time of renewal. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
22-Month Promotional Certificate	-	2.80%	22 months
Min Deposit $500 Min Balance $500 Details On the maturity date, the certificate will automatically renew to a 24-month certificate at the rate in effect for that term at the time of renewal. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Affinity Federal Credit Union Savings Rates

Product	Rate	APY
Performance Savings	-	3.25%
Min Deposit $5 Details Qualifications Required; Earn 3.25% APY on balances up to $250,000. If the qualifications are not met, a dividend rate and APY of 0.05% will apply to all balances. To earn the maximum stated rate, you must complete the following activities on your Cash Back Plus or High-Yield Checking account during each Monthly Qualification Cycle (MQC) : complete at least 12 PIN or signature debit card purchases (including online transactions), receive at least one Direct Deposit or ACH deposit of $250 or more, and be enrolled in electronic statements. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
SmartStart Savings	-	2.65%
Min Deposit $5 Details Earn 2.65% APY on the first $10,000. If your daily balance is $10,000 or less, the dividend rate paid on the entire balance will be 2.62%, with an APY of 2.65%. A dividend rate of 0.50% will be paid only on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from 2.65% to 0.59%, depending on the balance in the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
High Yield Savings	-	2.50%
Min Deposit $5 Min Balance $100,000 Details If your average daily balance is $100,000 or more, the dividend rate paid on the entire balance in your account will be 2.47% with an annual percentage yield of 2.50%. If your average daily balance is less than $100,000, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
SmartStart Savings	-	0.59%
Min Deposit $5 Min Balance $10,000 Details A dividend rate of 0.50% will be paid only on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from 2.65% to 0.59%, depending on the balance in the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
High Yield Savings	-	0.05%
Min Deposit $5 Details If your average daily balance is $100,000 or more, the dividend rate paid on the entire balance in your account will be 2.47% with an annual percentage yield of 2.50%. If your average daily balance is less than $100,000, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Performance Savings	-	0.05%
Min Deposit $5 Details If the qualifications are not met, a dividend rate and APY of 0.05% will apply to all balances. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Affinity Federal Credit Union Checking Rates

Product	Rate	APY	View More
High-Yield Checking Account	5.35%	5.50%
Min Deposit $5 Details Qualifications Required: 12 PIN or signature debit card purchases; at least one Direct Deposit or ACH deposit of $250 or more; enrolled in electronic statements; APY is effective as of 8/24/2026. Dividends paid on balances up to $15,000. 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. The APY for this tier will range from 5.50% to 0.80%, depending on the balance in the account. If qualifying criteria are not met, the dividend rate and APY of 0.05% will be paid on the entire balance of the account. ATM withdrawal fees incurred during a cycle will also be refunded, up to $25. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Affinity Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	4.99%	-	6.63%	12 months
Details Intro APR for 12 months, then a variable APR as low as 6.63% APR. The advertised rate of 6.63% includes a 0.25% reduction off the standard interest rate when you set up automatic payments from an Affinity account, in addition to a first lien rate discount of 0.125% when Affinity holds the first lien against the subject property. Without automatic payments or first lien status, the rate will be higher. Any eligible rate discounts do not apply to the Introductory rate. The variable APR is based on the Prime Rate (as published in the Wall Street Journal), which as of 12/11/2025, is at 6.75%. The standard minimum APR (floor rate) is 3.00% and the maximum APR (ceiling rate) assessed by Affinity cannot increase by more than 6% above the initial fully indexed rate. The maximum APR (ceiling rate) cannot exceed 18.00%. Offered rates are subject to change without notice. The maximum term of a HELOC is 30 years which consists of a 10-year draw period followed by a 20-year repayment period. Introductory rate is only available for new loans. Home equity lines of credit are available in all states except Texas. Certain states may require a closing attorney. State specific fees may apply at closing. Homeowners' insurance is required. Flood Insurance is required where necessary. Lender's title Insurance may be required based on loan amount. Eligible properties include owner-occupied, 1-4 family residences, warrantable condominiums, townhomes and verified second homes / vacation homes. Investment properties, cooperatives, mobile homes, and purchase money transactions are ineligible. Terms and conditions are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Affinity Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Affinity Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Affinity Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Affinity Federal Credit Union

Website https://affinityfcu.com

Address 73 Mountainview Blvd, Basking Ridge, NJ 07920 3849

Phone 908-860-7208

Fax

President Roger Tashjian

CEO Kevin Brauer

Full-Time Employees 502

Part-Time Employees 28

Branch Locations 22

ATM Locations 23

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.10%

Return on Assets (ROA)

0.2434%

Return on Equity (ROE)

3.0022%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

4,318,681,802

Total Amount of Shares and Deposits

3,653,303,125

Total Shares and Deposits < 1 Year

3,578,375,020

Total Shares and Deposits 1 3 Years

71,904,275

Total Shares and Deposits > 3 Years

3,023,830

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

394,207,628

Total Uninsured Shares and Deposits > $250K (F+J)

394,207,628

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,259,095,497

Total Interest Expense (Sum of items 6 8)

66,278,896

Share Certificates

26,257

Number of Accounts for Share Drafts

137,937

IRA KEOGH Accounts

5,427

Number of Accounts for Regular Shares

392,060

All other shares

378

Money Market Shares

2,824

Net Income (unless the amount is already included in Undivided Earnings)

10,509,578

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

145,700,512

Total Liabilities

3,987,782,068

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Affinity Federal Credit Union

How many branches does Affinity Federal Credit Union operate?

Affinity Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Affinity Federal Credit Union?

Yes, to access services at Affinity Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Affinity Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Affinity Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Affinity Federal Credit Union offer online and mobile banking?

Most modern institutions like Affinity Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://affinityfcu.com.