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Affinity Federal Credit Union

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Affinity Federal Credit Union Rates & Review September 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: September 23, 2026

Affinity Federal Credit Union's Auto Loan Rates are as low as 4.94%. 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 7.28%. Rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.28%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Affinity Federal Credit Union
Headquarters

73 Mountainview Blvd
Basking Ridge, NJ 07920-3849

https://affinityfcu.com

Affinity Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	4.99%	12 months
Details Intro rate expires: 12 months; Variable APR as low as 6.63% APR; Rate includes 0.25% reduction for automatic payments from an Affinity account and 0.125% first lien rate discount. Without these, rate will be higher. Max CLTV 80%, max loan $1,000,000. Prime Rate as of 12/11/2025 is 6.75%. Floor rate 3.00%, ceiling rate 18.00%. Max increase 6% above initial fully indexed rate. Offered rates subject to change. Max term 30 years (10-year draw, 20-year repayment). Introductory rate for new loans only. Available in all states except Texas. Homeowners' insurance required. Flood insurance required where necessary. Lender's title insurance may be required based on loan amount. Eligible properties: owner-occupied, 1-4 family residences, warrantable condominiums, townhomes and verified second homes / vacation homes. Ineligible: Investment properties, cooperatives, mobile homes, and purchase money transactions. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.28%
Home Equity Line of Credit	-	-	6.63%	20 years
Details Variable APR as low as 6.63% APR; Rate includes 0.25% reduction for automatic payments from an Affinity account and 0.125% first lien rate discount. Without these, rate will be higher. Max CLTV 80%, max loan $1,000,000. Prime Rate as of 12/11/2025 is 6.75%. Floor rate 3.00%, ceiling rate 18.00%. Max increase 6% above initial fully indexed rate. Offered rates subject to change. Max term 30 years (10-year draw, 20-year repayment). Introductory rate for new loans only. Available in all states except Texas. Homeowners' insurance required. Flood insurance required where necessary. Lender's title insurance may be required based on loan amount. Eligible properties: owner-occupied, 1-4 family residences, warrantable condominiums, townhomes and verified second homes / vacation homes. Ineligible: Investment properties, cooperatives, mobile homes, and purchase money transactions. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.28%

Affinity Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Cars Loan	-	-	4.94%
Details As Low As; Advertised rate includes 0.25% reduction off the standard interest rate when you set up automatic payments from your Affinity account. The rate without automatic payments will be higher. Other rates and terms available. Vehicles eligible for new auto loan rate are current or previous model year or newer, with fewer than 2,500 miles. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.28%

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.

Financial Health History

Affinity Federal Credit Union’s Texas Ratio fell from 18.68% in Q2 2023 to 7.28% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$4.4B	7.28%	5.0	A
December 31, 2025	$4.4B	9.32%	5.0	A
September 30, 2025	$4.3B	9.10%	5.0	A
June 30, 2025	$4.1B	8.45%	5.0	A
March 31, 2025	$4.2B	7.85%	5.0	A
December 31, 2024	$4.1B	11.23%	5.0	A
September 30, 2024	$4.1B	11.59%	5.0	A
June 30, 2024	$4.1B	12.13%	5.0	A
March 31, 2024	$4.2B	12.63%	5.0	A
December 31, 2023	$4.3B	16.95%	4.8	B+
September 30, 2023	$4.4B	20.66%	4.5	B
June 30, 2023	$4.6B	18.68%	4.7	B+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 523

Part-Time Employees 26

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 (96/100)

Texas Ratio

7.28%

Return on Assets (ROA)

0.0477%

Return on Equity (ROE)

0.5973%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

4,403,479,306

Total Amount of Shares and Deposits

3,899,137,198

Total Shares and Deposits < 1 Year

3,849,708,647

Total Shares and Deposits 1 3 Years

46,322,551

Total Shares and Deposits > 3 Years

3,106,000

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

411,895,806

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

411,895,806

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

3,487,241,392

Total Interest Expense (Sum of items 6 8)

21,840,324

Share Certificates

26,818

Number of Accounts for Share Drafts

140,349

IRA KEOGH Accounts

5,390

Number of Accounts for Regular Shares

397,375

All other shares

363

Non Member Deposits

Money Market Shares

2,689

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

2,100,534

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)

129,487,501

Total Liabilities

4,067,764,541

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Affinity Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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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.