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Earn up to 3.25% APY toward your financial dreams with our award-winning SmartStart Savings account.

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AFFINITY FOUNDATION

Transforming Lives. Empowering Communities.

To provide Affinity's members and our communities with solutions to improve financial wellness, educational programs that enable self-sufficiency, and support that ensures access to essential healthcare services. Our vision is to end the cycle of poverty for those we serve.

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FINANCIAL WELLBEING

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4 Financial Education Resources All Millennials Need

Financial literacy is a crucial step on the journey to financial wellness. According to a study...

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Acknowledging Milestones on Your Path to Financial Wellbeing

It is important to have a positive emotional connection with money. Everything you do–...

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If You're Facing Financial Hardship, Do These Four Things

If you don’t have an emergency fund and are struggling to make ends meet during these...

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3 Free Tools to Help Better Understand Your Finances

Your relationship with money is important so we put together a toolbox for you to better learn,...

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The Importance of Starting a Youth Account

In 2022, 64% of Americans said they believe that young adults should be financially independent by...

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Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

All loan and accounts require Affinity membership with a $5 deposit to a membership eligibility account.

¹APY = Annual Percentage Yield. APY is effective as of . The APY is accurate as of the latest dividend declaration date. Dividend rates and annual percentage yield are subject to change after the account is opened at our discretion without notice to you. We do not impose a limit on the amount the dividend rate and Annual Percentage Yield on your account may change. The dividend rate on your account is determined by the credit union. This account requires an initial opening deposit of $5.00. There is no minimum balance requirement for this account. Fees could reduce earnings on this account. One account per member allowed. Affinity membership is required with $5 deposit to membership eligibility account. This account is not offered for members who already have an active Cash Back Plus account opened.

Qualifications: The following criteria must be met to qualify for the stated dividend rate: at least 12 Debit card transactions, at least one Direct Deposit or ACH credit transaction (a minimum of $250 or more for each), and enrollment in electronic statements. If your daily balance is $15,000 or less, the dividend rate paid on the entire balance will be 5.35%, with an APY of 5.50%. 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. If qualifying criteria are not met, the dividend rate and APY of 0.05% will be paid on the entire balance of the account in the same dividend period. Closure of this account does not terminate credit union membership. However, if your account(s) is closed before its rewards are credited, you will forfeit the account(s)’ rewards.

The ATM refund will be received at the end of the statement cycle. When the qualifications are not met, ATM withdrawal fees are not refunded.

²Earn 10% Cash Back on up to $150 in debit card purchases (point of sale purchases can be either a PIN or signature debit card purchase, including online transactions) each month. Up to $15 cash back per month in which you meet the qualifying criteria. Cash back earned each month will be credited to your individual account or to your linked Performance Savings account, as appropriate, on the last day of the current Statement Cycle. “Statement Cycle" means the period of time for which our institution provides a summary of the financial activities and transactions that completed to the accountholder's account. ATM transactions, the purchase of money orders or cash equivalents, loan payments and account funding made with your debit card are not eligible for cash back rewards. This account requires an initial opening deposit of $5.00. There is no minimum balance requirement for this account. One account per member allowed. Affinity membership is required with $5 deposit to membership eligibility account. This account is not offered for members who already have an active High-Yield Checking account opened.

Qualifications: The following criteria must be met to qualify for the account(s)' rewards: at least 12 Debit card transactions, at least one Direct Deposit or ACH credit transaction (a minimum of $250 or more for each), and enrollment in electronic statements. Closure of this account does not terminate credit union membership. However, if your account(s) is closed before its rewards are credited, you will forfeit the account(s)’ rewards. Cash back offer terms and conditions are subject to change without notice. Cash back earned may be reported on an IRS 1099 Form, if applicable.

The ATM refund will be received at the end of the statement cycle. When the qualifications are not met, ATM withdrawal fees are not refunded.

³APY = Annual Percentage Yield. Rates are accurate as of 5/21/2025 and are subject to change without notice. After the Certificate is opened, you cannot make deposits into the account. Unless otherwise noted, certificates can be opened with a minimum deposit of $500. The APY is based on an assumption that dividends will remain in the account until maturity. Certificates will automatically renew on the maturity date for the same term unless otherwise noted. The dividend rate in effect at the time the certificate renews will be applied on the account. The account holder has a ten (10) day grace period to change the term or close the certificate account without penalty. Penalties apply for early withdraw and could reduce earnings on the account. If funds are withdrawn before the maturity date, the penalty will equal 90 days’ dividends on your certificate account with a term of one year or less, and a penalty of up to 182 days’ dividends for certificates with a term of more than one year. The penalty calculated as forfeiture of part of dividends that have been or would have been earned on the account. It applies whether or not dividends have been earned. We will impose an early withdrawal penalty of at least seven (7) days’ simple interest if funds are withdrawn within six days of the date of deposit or within six days of the date of the immediately preceding partial withdrawal. We reserve the right to require at least seven (7) days written notice of an intended withdrawal. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Certificates are available to Affinity members only. Contact an employee for further information about applicable fees and terms.

8-Month Promotional Certificate (Including IRA and Business Certificates): Balances of $500 or more earn an APY of 4.25%. 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.