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Rates

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%.

Savings

¹SmartStart Savings: APY = Annual Percentage Yield. APY is effective as of 2/23/2023. 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 $10,000 or less, the dividend rate paid on the entire balance will be 3.92%, with an APY of 4.00%. A dividend rate of 1.00% will be paid only on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from 4.00% to 1.12%, depending on the balance in the account.

²MoreSavings: APY = Annual Percentage Yield. APY is effective as of 8/12/2022. 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.

Minimum balance to earn the stated annual percentage yield (APY) depends upon the tier as indicated in rates. If the account falls below the minimum states 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 requirements for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account.

³Certificates: APY = Annual Percentage Yield. Advertised rate is for a 22-month term and a balance of $100,000 or greater. Balances between $50,000 and $99,999.99 earn an APY of 4.40%, and balances between $500 and $49,999.99 earn an APY of 4.30%. Rates are accurate as of 2/23/2023 and is subject to change without notice. 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. Certificate requires a minimum opening deposit of $500. If the certificate falls below $500, it will be closed. After the Certificate is opened, you cannot make deposits into the account. The APY is based on an assumption that dividends will remain in the account until maturity. 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.