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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Affirm Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
Affirm rates are not currently in the MonitorBankRates database, but you can compare rates from other banks and credit unions MonitorBankRates tracks, including 12-month CD rates at 3.55%, 6-month CD rates at 2.00% and 3-month CD rates at 4.50%. Deposit rates include 0.10% on savings, 2.78% on money market accounts and 0.10% on checking. Loan rates include 7.25% on HELOCs, 9.40% on auto loans and 7.00% on personal loans. Credit card rates can be found at 12.95%. These rates come from our rate database, not Affirm, and you can see how they compare in the Affirm rate tables below. MonitorBankRates has no FDIC call report data for Affirm (no FDIC certificate on file), so it is not rated. Deposits may be insured through a partner bank; check the institution's own disclosures. Database rates last updated and verified on 11/05/2026. Affirm 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 Affirm? Share your experience about Affirm by leaving a review below, or read customer reviews before you decide to use Affirm. Affirm Other Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Affirm is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Affirm 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 Affirm's official website for the most current offers and terms.
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Frequently Asked Questions About AffirmHow many branches does Affirm operate?Affirm 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 there a first-time homebuyer program?Currently, Affirm 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, Affirm provides members with tools to manage their accounts and build a solid financial history. Does Affirm offer online and mobile banking?Most modern institutions like Affirm 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://www.affirm.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Affirm rates compare?Affirm rates aren't in the MonitorBankRates database yet. Other banks and credit unions MonitorBankRates tracks offer 12-month CDs at 3.55% APY, 6-month CDs at 2.00% APY, savings at 0.10% APY, money market at 2.78% APY, checking at 0.10% APY, HELOCs around 7.25%, auto loans at 9.40% APR, personal loans at 7.00% APR and credit cards at 12.95% APR. Compare to Other Banks
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