Inbound

APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are available to Affinity Members only and subject to change at any time without notice. Fees may reduce earnings on deposits, see fee schedule for details.

Loan and credit card rates are lowest rates for qualified applicants, based on creditworthiness. Term restrictions may apply based on underwriting criteria. The maximum APR that may be imposed on any variable rate loan plan is 18.00%.

1. Checking Accounts

• MoreSavings: There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Rate may change after account is opened.
• Cash Back Debit: There is no minimum opening deposit or balance requirement.

2 Savings Accounts

• MoreSavings: There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Rate may change after account is opened.
• SmartStart Savings: APY is effective as of 2/18/2022. 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. There is no initial deposit requirement to open this account. There is no minimum balance requirement for this account. Fees could reduce earnings on this account. One account per member allowed.
• If your daily balance is $4,999.99 or less, the dividend rate paid on the entire balance will be 1.98%, with an APY of 2.00%. A dividend rate of 0.10% will be paid only on the portion of your daily balance that is greater than $4,999.99. The APY for this tier will range from 2.00% to 0.14%, depending on the balance in the account.

3 Youth Accounts

• Savvy Saver: Available for members ages 1–12. Account will be converted to a Regular Savings account at the time of the owner's 13th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01
• Teen Checking & Savings: Available for members aged 13-16. Accounts will be converted to Revolution Spend and Revolution Save accounts respectively, at the time of the owner's 17th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.
• Revolution Spend: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.
• Revolution Save: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. Dividends are compounded daily and credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Balances between $0 - $2,500 will always earn 1.25% APY on all balances in this range. Balances of $2,500.01 and above will earn between 0.25% APY on total balances in this range. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.
• Rate may change after account is opened.

4 Credit Cards

• Rates as displayed will vary with the market based on the Prime Rate. See credit card pricing & terms for additional details. Premium Visa, Pure Rewards Visa and Cash Rewards Visa Signature rates as displayed are effective when you open your account, based on creditworthiness.
• For cash advances an APR of 18% will apply and the fee is 3% of the amount of each cash advance of $10.00, whichever is greater. For balance transfers a fee of $10.00 or 5% of the amount of each transfer will apply, whichever is greater (maximum: $500.00).

5 Auto Loans

• APR= Annual Percentage Rate. New and used auto loan rates in effect for loans applied for. Rates effective as of 4/13/22. Rates include 0.25% reduction off the standard auto loan interest rate with automatic payments made from your Affinity account. The rate without automatic payments will be higher. Monthly payment amounts vary be term and rate. For example, the minimum payment for a $20,000 loan with a term of 60 months and 2.26% APR has an estimated monthly payment of $352.86. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Maximum loan term restrictions may apply. Rates and terms are subject to change without notice. Vehicles eligible for new auto loan rates are current or previous model year or newer, with fewer than 5,000 miles. Vehicles eligible for used auto loan or refinance rates are 9 years old or newer. Vehicles eligible for older model used auto loan or refinance rates are between 10 and 15 years old. Interest accrues from the date the loan is funded. All loans are subject to credit review and approval. Must be a member in good standing and meet all lending requirements.

6 Mortgages

APR = Annual Percentage Rate. Rates as shown are for 0 discount points, for a single-family, owner-occupied property. Rates, APRs and fees can vary depending on the size of the loan and the personal qualifications of individual members. Down-payment of less than 20% requires mortgage insurance. Property and flood insurance where required. Escrow account for the payment of taxes and insurance will be established. Rates may increase after consummation. Payments to not include insurance or taxes, which could result in higher payment amount. To obtain a custom rate quote, cost and payment information, click here for more information.