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

Current rates for Affinity Federal Credit Union include: Savings: 2.65%

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Affinity Federal Credit Union

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Affinity Federal Credit Union Rates & Review June 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: June 16, 2026

Affinity Federal Credit Union's 14-Month New Money Promotional CD rates are at 5.50%, 8-Month New Money Promotional CD rates are at 5.50%, 8-Month Promotional CD rates are at 5.00%, 8-Month Promotional CD rates are at 3.80%, 14-Month Promotional CD rates are at 3.55%. Affinity Federal Credit Union's savings rates are at 2.65%. Affinity Federal Credit Union's Personal Loan Rates are at 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 9.10%. Rates were last updated on 06/16/2026.

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
14-Month New Money Promotional Certificate	-	5.50%	14 months
Min Deposit $500 Min Balance $50,000 Details APY on new money balances of $50,000 or more. To open a new money promotional certificate, visit your local Affinity branch or speak with a Digital Branch representative at 800.213.5003. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
8-Month New Money Promotional Certificate	-	5.50%	8 months
Min Deposit $500 Min Balance $50,000 Details APY on new money balances of $50,000 or more. To open a new money promotional certificate, visit your local Affinity branch or speak with a Digital Branch representative at 800.213.5003. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
8-Month Promotional Certificate	-	5.00%	8 months
Min Deposit $500 Min Balance $500 Details APY on balances of $500 or more. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
8-Month Promotional Certificate	-	3.80%	8 months
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 06/16/2026 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 APY on balances of $100,000 or more. 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 06/16/2026 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 APY on balances of $50,000 to $99,999. 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 06/16/2026 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 APY on balances of $500 to $49,999. 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 06/16/2026 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 APY on balances of $100,000 or more. 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 06/16/2026 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 APY on balances of $50,000 to $99,999. 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 06/16/2026 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 APY on balances of $500 to $49,999. 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 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Affinity Federal Credit Union Savings Rates

Product	Rate	APY
Performance Savings Account	-	3.25%
Min Deposit $5 Details Qualifications Required: 12 PIN or signature debit card purchases (including online transactions); at least one Direct Deposit or ACH deposit of $250 or more; enrolled in electronic statements; APY is effective as of 3/21/2025. Dividend rates and APY are set by the credit union and may change at any time after the account is opened at our sole discretion, without prior notice. There is no limit on how much the dividend rate or APY may increase or decrease after account opening. A $5 minimum deposit is required to open this account; there is no minimum balance requirement to maintain, and there are no monthly maintenance fees when enrolled in electronic statements. Fees may reduce earnings. Affinity membership is required by making a $5 deposit to a membership eligibility account. Limit one Performance Savings account per membership. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Savings	-	3.25%
Details As high as Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
SmartStart Savings account	-	2.65%
Details Earn up to Last Updated 06/16/2026 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	-	5.50%
Min Deposit $5 Details Qualifications Required: 12 PIN or signature debit card purchases (including online transactions); at least one Direct Deposit or ACH deposit of $250 or more; enrolled in electronic statements; APY is effective as of 6/15/2026. The APY is accurate as of the latest dividend declaration date. Dividend rates and APY are set by the credit union and may change at any time, at our sole discretion, without prior notice. There is no limit on how much the dividend rate or APY may increase or decrease after account opening. A $5 minimum deposit is required to open this account; there is no minimum balance requirement to maintain, and there are no monthly maintenance fees when enrolled in electronic statements. Fees may reduce earnings. Affinity membership is required by making a $5 deposit to a membership eligibility account. Limit one High-Yield Checking account per membership; not available to members with a Cash Back Plus Checking account. Last Updated 06/16/2026 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
Home Equity Line of Credit	-	-	4.99%	12 months
Details Introductory rate for 12 months, then a variable APR as low as 6.63%. Rate includes 0.25% reduction for automatic payments and 0.125% for first lien status. Fully indexed rate is variable APR based on Prime Rate + margin ranging from -0.125% to 1.50%. Standard minimum APR (floor rate) is 3.00%, maximum APR (ceiling rate) cannot exceed 18.00%. Maximum CLTV of 80%, maximum loan amount of $1,000,000. Lock in rate up to three times. No application, appraisal, or annual fees for HELOCs under $400,000. Repayment term is 20 years after 10-year draw period. Minimum amount to lock in rate is $5,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Home Equity Line of Credit	-	-	6.63%	20 years
Details Variable APR as low as 6.63%. Rate includes 0.25% reduction for automatic payments and 0.125% for first lien status. Fully indexed rate is variable APR based on Prime Rate + margin ranging from -0.125% to 1.50%. Standard minimum APR (floor rate) is 3.00%, maximum APR (ceiling rate) cannot exceed 18.00%. Maximum CLTV of 80%, maximum loan amount of $1,000,000. Lock in rate up to three times. No application, appraisal, or annual fees for HELOCs under $400,000. Repayment term is 20 years after 10-year draw period. Minimum amount to lock in rate is $5,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Affinity Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.94%
Details As low as Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Affinity Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	12.10%
Details Variable APR Last Updated 06/16/2026 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

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.