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 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 25, 2026

Affinity Federal Credit Union's top rates as of September 25, 2026 are 4.15% APY on its 14-Month Promotional CD, 0.05% APY on savings, and auto loans from 4.94% APR, according to rates verified by MonitorBankRates. Other Affinity Federal Credit Union CD rates include 14-Month Promotional CD at 4.05%, 8-Month Promotional CD at 4.00%, and 14-Month Promotional CD at 3.90%. 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 9.20%. Rates last updated and verified on 09/25/2026.

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: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.20%

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

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Affinity Federal Credit Union CD Rates

Product	Rate	APY	Term
14-Month Promotional Certificate	-	4.15%	14 months
Rate History No change since Sep 25, 2026 · 4.15% APY Min Deposit $500 Min Balance $100,000 Details Balances of $100,000 or greater. 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 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%
14-Month Promotional Certificate	-	4.05%	14 months
Rate History No change since Sep 25, 2026 · 4.05% APY Min Deposit $500 Min Balance $50,000 Details Balances between $50,000 and $99,999.99. 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 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%
8-Month Promotional Certificate	-	4.00%	8 months
Rate History No change since Sep 25, 2026 · 4.00% APY Min Deposit $500 Min Balance $500 Details APY on balances of $500 or more. 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 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%
14-Month Promotional Certificate	-	3.90%	14 months
Rate History No change since Sep 25, 2026 · 3.90% APY Min Deposit $500 Min Balance $500 Details Balances between $500 and $49,999.99. 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 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%

Affinity Federal Credit Union Savings Rates

Product	Rate	APY
SmartStart Savings	-	2.65%
Rate History No change since Sep 25, 2026 · 2.65% APY Min Deposit $5 Min Balance $0 Details Balance: $0 - $10,000; One account per member allowed. Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%
High Yield Savings	2.47%	2.50%
Rate History No change since Sep 25, 2026 · 2.50% APY Min Deposit $5 Min Balance $100,000 Details Balance: $100,000 or more Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%
SmartStart Savings	0.50%	0.59%
Rate History No change since Sep 25, 2026 · 0.59% APY Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.01 & above; One account per member allowed. Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%
High Yield Savings	0.05%	0.05%
Rate History No change since Sep 25, 2026 · 0.05% APY Min Deposit $5 Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%
Performance Savings	0.05%	0.05%
Rate History No change since Sep 25, 2026 · 0.05% APY Min Deposit $5 Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%

Affinity Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	4.99%	-	6.88%	10 years
Rate History No change since Sep 25, 2026 · 6.88% APR Details Introductory rate for 12 months. Variable APR as low as 6.88% after introductory period. Maximum loan amount of $1,000,000. Maximum Combined Loan-to-Value ratio (CLTV) of 80%. Rate includes 0.25% reduction for automatic payments from an Affinity account and 0.125% for first lien status. Standard minimum APR (floor rate) is 3.00%. Maximum APR (ceiling rate) cannot exceed 18.00%. Maximum term of 30 years (10-year draw, 20-year repayment). Lock in balances up to three times during the draw period for balances of $5,000 or more, up to 20 years. No application fee, appraisal fee, or annual fees. Available in all states except Texas. Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%

Affinity Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars Loan	-	-	4.94%	up to 96 months
Rate History No change since Sep 25, 2026 · 4.94% APR Details 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. Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%
Used Cars Loan	-	-	4.94%	up to 96 months
Rate History No change since Sep 25, 2026 · 4.94% APR Details 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. Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%

Affinity Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Motorcycles Loan	-	4.94%	up to 96 months
Rate History No change since Sep 25, 2026 · 4.94% APR Details 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. Last Updated 09/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.20%

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 20.66% in Q3 2023 to 9.20% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.5 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
June 30, 2026	$4.4B	9.20%	5.0	A
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

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 526

Part-Time Employees 33

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

9.20%

Return on Assets (ROA)

0.1044%

Return on Equity (ROE)

1.2825%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

4,351,759,697

Total Amount of Shares and Deposits

3,814,488,908

Total Shares and Deposits < 1 Year

3,777,026,364

Total Shares and Deposits 1 3 Years

34,740,436

Total Shares and Deposits > 3 Years

2,722,105

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

386,530,651

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

386,530,651

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

3,427,958,257

Total Interest Expense (Sum of items 6 8)

42,857,337

Share Certificates

25,964

Number of Accounts for Share Drafts

142,025

IRA KEOGH Accounts

5,324

Number of Accounts for Regular Shares

400,938

All other shares

350

Non Member Deposits

Money Market Shares

2,632

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

4,541,389

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)

120,640,111

Total Liabilities

4,013,783,326

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Affinity Federal Credit Union earned the Verified Healthy badge

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Customer 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.