3.50% apy


Start Saving

High-yield savings to grow your money faster

See how much you can Earn!

3.50% apy
1.00% apy


$0 minimum balance

$0 monthly maintenance


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Top Rates

Earn 3.50% APY* on the first $5,000. That’s $175 in dividends per year

Zero Fees

No minimum balance requirements or monthly maintenance fees1

Digital Tools

View your balance, deposit checks, make transfers and more with our top-rated app

Automated Savings

Grow your savings faster with recurring transfers from another U.S. bank account or payroll deposits

the Wall Street Journal named Affinity the best Credit Union of 2022 for high-yield savings
the Wall Street Journal named Affinity the best Credit Union of 2022 for high-yield savings


See how much more you can earn with
SmartStart Savings

SmartStart Savings

3.50 apy

$175 in dividends per year


rate 0.33%

$16.50 in dividends per year

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Chase Premier SavingsSM

.01 apy

$0.50 in interest per year

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Bank Of America
Advantage Savings

0.01 apy

$0.50 in interest per year

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Rates were obtained on 1/17/2023 from the respective financial institution’s website. National Average is based on weekly National Rates and Rate Caps published by the FDIC on 1/17/2023 at fdic.gov. APYs in this table are for the state of New Jersey and are based on a balance of $5,000. Rates are subject to change without notice and Affinity makes no guarantee of their accuracy.


Here’s what you need to know about your SmartStart Savings account.

SmartStart Savings is a high-yield savings account with no minimum balance requirement, zero fees with eStatements and a competitive rate that is significantly higher than the national average.

With SmartStart Savings, you have access to all the digital tools you would expect from an online savings account, but unlike traditional online savings accounts, you can visit your local branch to make deposits and speak to a real person about your account.

A high-yield savings account like SmartStart Savings is great for building an emergency fund, saving for a large purchase, or growing your savings without worrying about the volatility of the stock market.

Yes, your funds are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration (NCUA), a U.S. government agency.

Using Online Banking or the Mobile Banking App, you can transfer funds from an external account, deposit checks or set up recurring transfers. Additionally, you can visit a local branch to make a deposit or use one of our fee-free ATMs.

Pro tip: Allocate a certain dollar amount or percentage of your paycheck to automatically go into your SmartStart Savings. Simply provide your SmartStart Savings Account number and the Affinity routing number (221283512) to your Payroll Department and watch your savings grow.