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Join Affinity To Earn and Save Up To

$5,387 Per Year1

Being A Member Adds Up

Cash Back Debit Account Icon

Cash Back Debit Account

Cash back per year by earning 1% on $1,000 in debit card purchases per month.1

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SmartStart Savings Account Icon

SmartStart Savings Account

In dividends by earning 4.00% APY on a balance of $10,000.1

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Cash Rewards Visa Signature card icon

Cash Rewards Visa
Signature Card

In cash back based on average Visa Signature credit card rewards for 2022.1

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Auto Loan icon

Auto Loan

In savings per year by financing your vehicle with with Affinity compared to the national average.1

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Certificates icon

Certificates

In dividends by earning 4.55% APY on a balance of $100,000.1

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No Monthly Account Fees

$0 Monthly Account Fees Icon

You work hard for your money. That’s why we believe you should keep it. Pay no monthly maintenance fees when enrolled in eStatements2 on:

  • Affinity Cash Back Debit Account
  • SmartStart Savings and MoreSavings
  • Certificates

Get Low Rates & Rate Discounts

Loans Icon

Loans

0.25% APR3 Rate Discount
on loans when you set up automatic payments from an Affinity account.

Credit Cards Icon

Credit Cards

9% Lower Average APR
Than Industry Average4 Our rates don’t go above 18% and we never apply penalty APRs for missed payments.

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Home Equity Icon

Home Equity Loans

Fixed-Rate Option
Lock in all or a portion of your Home Equity Line of Credit (HELOC) balance to a fixed rate for consistent monthly payments that fit your budget and peace of mind in a rising rate environment.

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Earn Cash Back

Cash Back Debit Card

Cash Back Debit Card
Earn 1% Cash Back
Earn 1% cash back on up to $1,000 a month on your everyday debit card purchases. That’s up to $120 a year in cash back!

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Cash Rewards Visa Signature

Cash Rewards Visa Signature
Earn Up To 5% Cash Back
Earn 5% cash back at Amazon, 2% cash back at supermarkets, restaurants, gas and more, plus 1% on everything else.

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Enterprise Car Sales

Enterprise Car Sales
$400 First Payment Offer
Enterprise will make your first payment up to $400 when you finance with Affinity.

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HomeAdvantage®

HomeAdvantage®
Earn Cash Rewards At Closing
Buy or sell your home with HomeAdvantage to save an average of $1,782 at closing.5

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Grow Your Savings

Savings Account

High-Yield Savings Up To 4.00% APY
Reach your savings goals sooner with our award-winning SmartStart Savings account earning 4.00% APY on the first $10,000—that’s $400 in dividends per year!

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Certificates Earning Up To 4.55% APY
Earn a guaranteed rate with terms ranging from 30 days to 60 months.

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Reap Rewards

Debit and Credit Card Rewards

Credit Card Rewards
Earn cash back or points on purchases toward travel, merchandise, and more. Find the card that fits your life.

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Debit Card Purchase Rewards
Earn cash back in-store or online with local and nationwide merchant offers available through Online Banking and the Mobile Banking App.

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My Financial Wellbeing

Financial Education

Access webinars, podcast, and videos to support you along your financial journey.

Affinity Investment Services

Build a comprehensive financial plan with a knowledgeable financial professional.

Credit Counseling

Receive free and confidential credit counseling through Navicore Solutions and Consolidated Credit.

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1 Hypothetical calculation is based on a member with the following Affinity accounts and criteria:
  • Affinity Cash Back Debit account earning 1% cash back on $1,000 in purchases per year. Learn more the Affinity Cash Back Debit account.
  • SmartStart Savings account earning an Annual Percentage Yield (APY) of 4.00% APY on a balance of $10,000. Learn more about SmartStart Savings.
  • Cash Rewards Visa Signature Card earning $279 in cash back rewards. Figure is based on 2022 average member earnings for active Cash Rewards Visa Signature cardholder. Learn more about the Cash Rewards Visa Signature card.
  • 14-month promotional certificate earning 4.55% APY with a balance of $100,000. Learn more about certificates.
  • Auto loan with a balance of $30,000, a term of 72 months and an Annual Percentage Rate (APR) of 6.36%, which includes a 0.25% discount for automatic payments from an Affinity account, for a monthly payment of $502.30 per month compared to the national average APR of 6.55% and a payment of $505.44 per month. National average was obtained from S&P Marketplace Intelligence on 6/5/2023 at spglobal.com. Learn more about auto loans from Affinity. Learn more about auto loans from Affinity.
Your specific earnings and savings could vary. All loans are subject to credit review and approval. Average member earnings and national averages are subject to change without notice. Affinity makes no guarantee of its accuracy.
2 To qualify for no monthly fees and avoid the $2 monthly paper statement fee, upon opening your account, you must enroll in paperless statements (eStatements) either by registering and logging in to your Online Banking or Mobile Banking account. For new members the paper statement fee is waived for the first 45 days of membership, after that, if you have not enrolled in eStatements you may be assessed a $2 paper statement fee per month. Enrollment in eStatements means you will not receive mail delivery of your statements and you have agreed to Electronic Delivery Disclosure. You may withdraw your consent to receive paperless statements anytime by logging in to your Online Banking or Mobile banking account. If you choose to withdraw from eStatements you will be charged a $2 monthly paper statement fee.
3 Receive a 0.25% rate reduction off the standard interest rate for setting up automatic payments from your Affinity checking or savings account. The rate without automatic payments will be higher. Credit cards, mortgages, and business/commercial loans are not eligible for the rate discount. 
4 Based on internal analysis of our credit card portfolio compared to the average credit card interest rate of 23.55% posted by LendingTree on February 14, 2023 at LendingTree.com. National average subject to change without notice. Affinity makes no guarantee of accuracy. Affinity is in no way endorsed by or affiliated with LendingTree. 
5 Average is based on eligible loans closed in 2022. HomeAdvantage is available to you through Affinity membership. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. Using the credit union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Cash Rewards are void where prohibited by law. Please consult with Mortgage Loan Officer for complete details.