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Rates and Yields

Below you’ll find rates and yields for each of our products.

Checking
Savings
Certificate Accounts
Mortgages
Credit Cards
Auto Loans
Business Accounts
Home Equity
RATES AND YIELDS AS OF
Checking
  • Account Type
  • Dividend Rate
  • APY
  • MoreChecking
  • $0 - $999.99
  • 0.00%
  • 0.00%
  • $1,000 and above
  • 0.05%
  • 0.05%
  • Cash Back Debit
  • $0 and above
  • 0.00%
  • 0.00%
Savings
  • Account Type
  • Dividend Rate
  • APY
  • MoreSavings
  • $0 - $25,000
  • 1.00%
  • 1.00%
  • $25,000.01 - $100,000
  • 1.14%
  • 1.15%
  • $100,000.01 - $250,000
  • 1.73%
  • 1.75%
  • $250,000.01 and above
  • 2.23%
  • 2.25%
  • SmartStart Savings
  • $0 to $10,000
  • 3.92%
  • 4.00%
  • $10,000.01 and above
  • 1.00%
  • 1.00%
  • Affinity High-Yield Savings
  • $0 to $99,999.99
  • 0.05%
  • 0.05%
  • $100,000 and above
  • 4.16%
  • 4.25%
Certificate Accounts
  • Term
  • Dividend Rate
  • APY
  • 30 Days
  • 0.05%
  • 0.05%
  • 3 Months
  • 0.62%
  • 0.63%
  • 6 Months
  • 2.47%
  • 2.50%
  • 7 Months
  • 4.40%
  • 4.50%
  • 8 Months
  • 4.88%
  • 5.00%
  • 9 Months
  • 3.56%
  • 3.63%
  • 12 Months
  • 3.92%
  • 4.00%
  • 14 Months ($500 - $49,999.99)
  • 4.69%
  • 4.80%
  • 14 Months ($50K - $99,999.99)
  • 4.78%
  • 4.90%
  • 14 Months ($100K and above)
  • 4.88%
  • 5.00%
  • 15 Month Bump-Up
  • 3.32%
  • 3.38%
  • 17 Months (New Money Required)
  • 5.12%
  • 5.25%
  • 18 Months
  • 3.44%
  • 3.50%
  • 22 Months ($500 - $49,999.99)
  • 3.97%
  • 4.05%
  • 22 Months ($50K - $99,999.99)
  • 4.07%
  • 4.15%
  • 22 Months ($100K and above)
  • 4.16%
  • 4.25%
  • 24 Months
  • 2.96%
  • 3.00%
  • 30 Month Bump-Up
  • 1.24%
  • 1.25%
  • 36 Months
  • 2.23%
  • 2.25%
  • 48 Months
  • 1.98%
  • 2.00%
  • 60 Months
  • 2.47%
  • 2.50%
Mortgages
  • Loan Type
  • Rate/APR
Credit Cards
  • Card Type
  • Variable APR
  • Premium Visa®
  • 13.85%
  • Pure Rewards Visa®
  • 17.25%
  • Cash Rewards Visa® Signature
  • 17.75%
  • Business First Visa®
  • 17.25%
  • Secured Visa®
  • 15.85%
Auto Loans
  • Loan Type
  • Term
  • APR as low as
  • New Auto
  • Up to 36 Months
  • 7.14%
  • Up to 48 Months
  • 7.29%
  • Up to 60 Months
  • 7.51%
  • Up to 72 Months
  • 7.86%
  • Up to 84 Months
  • 8.11%
  • Up to 96 Months
  • 10.12%
  • Used Auto
  • Up to 36 Months
  • 7.52%
  • Up to 48 Months
  • 7.67%
  • Up to 60 Months
  • 7.76%
  • Up to 72 Months
  • 8.00%
  • Up to 84 Months
  • 8.76%
  • Older Model Used Auto
  • Up to 48 Months
  • 12.86%
Business Accounts
  • Account Type
  • Dividend Rate
  • APY
  • Business Savings
  • 0.05%
  • 0.05%
  • Business Basics Checking
  • 0.00%
  • 0.00%
  • Business Performance Checking
  • 0.00%
  • 0.00%
  • Business Money Manager
  • $2,500 and above
  • 3.20%
  • 3.25%
Home Equity
  • Loan Type
  • Term
  • APR as low as
  • HELOC
  • 8.75%
  • Interest-Only HELOC
  • 8.75%
Youth Accounts
  • Account Type
  • Dividend Rate
  • APY
  • Savvy Saver
  • 0.05%
  • 0.05%
  • Teen Checking
  • 0.01%
  • 0.01%
  • Teen Savings
  • 0.05%
  • 0.05%
  • Revolution Spend
  • 0.00%
  • 0.00%
  • Revolution Save
  • $0 - $2,500
  • 1.24%
  • 1.25%
  • $2,500.01 and above
  • 0.25%
  • 0.25%
Personal Loans
  • Loan Type
  • Term
  • APR as low as
  • Shared Secured Loan
  • Up to 144 Months
  • Dividend Rate + 2.75%
  • Certificate Secured Loan
  • Up to 120 Months
  • Certificate Rate + 2.00%
  • PrivateLine Overdraft Protection
  • Revolving (varies)
  • 15.50%
  • Debt Consolidation Loan
  • Up to 36 Months
  • 13.75%
  • 37 - 60 Months
  • 13.75%
  • 61 - 95 Months
  • 14.00%
  • 96 Months
  • 14.25%
  • Personal Loan
  • Up to 36 Months
  • 12.75%
  • 37 - 60 Months
  • 14.00%
  • Student Loan Consolidation Program
  • Up to 60 Months
  • 7.99%
  • 61 to 84 Months
  • 8.24%
  • 85 - 120 Months
  • 9.24%
  • 121 - 180 Months
  • 9.74%
RV & Motorcycle Loans
  • Loan Type
  • Term
  • APR as low as
  • RV
  • Up to 60 Months
  • 10.01%
  • Up to 84 Months
  • 11.01%
  • Up to 96 Months
  • 11.51%
  • Up to 120 Months
  • 12.01%
  • Motorcycles
  • Up to 36 Months
  • 10.49%
  • 37 - 60 Months
  • 10.99%
  • 61 - 72 Months
  • 11.49%
Business Certificates
  • Term
  • Dividend Rate
  • APY
  • 30 Days
  • 0.05%
  • 0.05%
  • 3 Months
  • 0.62%
  • 0.63%
  • 6 Months
  • 4.88%
  • 5.00%
  • 12 Months
  • 3.92%
  • 4.00%
  • 14 Months ($500 - $49,999.99)
  • 4.69%
  • 4.80%
  • 14 Months ($50K - $99,999.99)
  • 4.78%
  • 4.90%
  • 14 Months ($100K and above)
  • 4.88%
  • 5.00%
  • 18 Months
  • 3.44%
  • 3.50%
  • 22 Months ($500 - $49,999.99)
  • 3.97%
  • 4.05%
  • 22 Months ($50K - $99,999.99)
  • 4.07%
  • 4.15%
  • 22 Months ($100K and above)
  • 4.16%
  • 4.25%
  • 30 Months
  • 1.24%
  • 1.25%
  • 36 Months
  • 2.23%
  • 2.25%
  • 60 Months
  • 2.47%
  • 2.50%
IRA & ESA Certificate Accounts
  • Term
  • Dividend Rate
  • APY
  • 30 Days
  • 0.05%
  • 0.05%
  • 3 Months
  • 0.62%
  • 0.63%
  • 6 Months
  • 2.47%
  • 2.50%
  • 7 Months
  • 4.40%
  • 4.50%
  • 9 Months
  • 3.56%
  • 3.63%
  • 12 Months
  • 3.92%
  • 4.00%
  • 14 Months ($500 - $49,999.99)
  • 4.69%
  • 4.80%
  • 14 Months ($50K - $99,999.99)
  • 4.78%
  • 4.90%
  • 14 Months ($100K and above)
  • 4.88%
  • 5.00%
  • 15 Months
  • 3.32%
  • 3.38%
  • 18 Months
  • 3.44%
  • 3.50%
  • 22 Months ($500 - $49,999.99)
  • 3.97%
  • 4.05%
  • 22 Months ($50K - $99,999.99)
  • 4.07%
  • 4.15%
  • 22 Months ($100K and above)
  • 4.16%
  • 4.25%
  • 24 Months
  • 2.96%
  • 3.00%
  • 30 Months
  • 1.24%
  • 1.25%
  • 36 Months
  • 2.23%
  • 2.25%
  • 48 Months
  • 1.98%
  • 2.00%
  • 60 Months
  • 2.47%
  • 2.50%
IRA Savings, ESA, & HSA
  • Account Type
  • Dividend Rate
  • APY
  • Health Savings Account
  • 0.25%
  • 0.25%
  • IRA Accumulator
  • 0.15%
  • 0.15%
  • IRA Money Manager
  • $0.00 - $499.99
  • 0.15%
  • 0.15%
  • $500 - $19,999.99
  • 0.15%
  • 0.15%
  • $20K - $34,999.99
  • 0.25%
  • 0.25%
  • $35K - $49,999.99
  • 0.35%
  • 0.35%
  • $50,000 and above
  • 0.55%
  • 0.55%

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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.

1. Checking Accounts

MoreChecking: To avoid imposition of fees you must maintain an average daily balance of $1,000 in your account. If your average daily balance falls below the required minimum daily balance, your account will be subject to a minimum average balance fee of $7.00 for that month. If your daily balance on any day falls below $1,000, rate reverts to 0% until the minimum balance requirement is met on any day your account balance falls below the required minimum daily balance, your account will be subject to a service fee of $7.00 for that month. 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 = 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.

Affinity High-Yield Saving Account: APY = Annual Percentage Yield. APY is effective as of 9/1/2023. 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 and 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.

If your average daily balance is $100,000 or more, the dividend rate paid on the entire balance in your account will be 4.16% with an annual percentage yield of 4.25%. If your average daily balance is less than $100,000, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.

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 and 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 08/31/23. 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 7.51% APR has an estimated monthly payment of $400.99. 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 2,500 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.

7. Home Equity

APR = Annual Percentage Rate. All Home Equity Lines of Credit (HELOCs) are subject to credit review and approval. The advertised APR is variable and subject to change without notice and is based on a maximum Combined Loan-To-Value (CLTV) ratio of 70%, with a maximum loan amount of $1,000,000. The fully indexed rate is a variable APR with an Index as low as 8.50%, plus a margin that ranges from 0.25% to 1.50%, which varies depending on individual credit qualifications, credit limit amount, loan to value ratio and other criteria that may apply. The fully indexed rate includes a 0.25% discounted rate for automatic payments from an Affinity account. The rate without automatic payments will be higher. The variable APR is based on the Prime Rate (as published in the Wall Street Journal), which as of 08/01/2023, is at 8.50%. Therefore, depending on the date you apply, the advertised rate(s) may not be available. If the Prime Rate increases or decreases, the variable APR and minimum required payment will change accordingly. The standard minimum APR (floor rate) is 3.00% and the maximum APR (ceiling rate) assessed by Affinity cannot increase by more than 6% above the initial fully indexed rate. Offered rates are subject to change without notice. The maximum term of a HELOC is 30 years which consists of a 10-year draw period followed by a 20-year repayment period. Home equity lines of credit are available in all states except Texas. Certain states may require a closing attorney. State specific fees may apply at closing. Homeowners’ insurance is required. Flood Insurance is required where necessary. Lender’s title Insurance may be required based on loan amount. Eligible properties include owner-occupied, 1-4 family residences, warrantable condominiums and townhomes and true second homes. Investment properties, vacation homes, cooperatives, mobile homes, and purchase money transactions are excluded.

8. Certificate Accounts

Certificates (Including IRA, ESA and Business Certificates): *

APY = Annual Percentage Yield. Rates are accurate as of 9/22/2023 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 (Personal Term Only): Balances of $500 or more earn an APY of 5.00%. New money balances of $50,000 or more earn an APY of 5.50%. New money is defined as funds not on deposit at Affinity for longer than 30 days at the time of account opening. New money certificates must be opened in an Affinity branch or by calling 800-213-5003. 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.

14-Month Promotional Certificates (Including IRA and Business Certificates): Balances of $100,000 or greater earn an APY of 5.00%. Balances between $50,000 and $99,999.99 earn an APY of 4.90%, and balances between $500 and $49,999.99 earn an APY of 4.80%. New money balances of $50,000 or more earn an APY of 5.50%. New money is defined as funds not on deposit at Affinity for longer than 30 days at the time of account opening. New money certificates must be opened in an Affinity branch or by calling 800-213-5003. On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal.

17-Month Promotional Certificates (Personal Term Only): Balances of $500 or more earn an APY of 5.25%. On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal. New money is required to open a 17-month promotional certificate. New money is defined as funds not on deposit at Affinity for longer than 30 days at the time of account opening.

22-Month Promotional Certificates (Including IRA and Business Certificates): Balances of $100,000 or greater earn an APY of 4.25%. Balances between $50,000 and $99,999.99 earn an APY of 4.15%, and balances between $500 and $49,999.99 earn an APY of 4.05%. 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.

15 and 30-Month Certificates: Certificates offer a one-time bump up option during the term.

9. IRA Savings, ESA and HSA

Health Savings Account There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

IRA Accumulator and Education Savings: There is no minimum opening deposit requirement.

IRA Money Manager There is no minimum opening deposit requirement.

Rate may change after account is opened.

10. RV and Motorcycle Loans

RV Loans: APR= Annual Percentage Rate. Rates effective as of 08/31/23. 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 $25,000 loan with a term of 60 months and 10.01% APR has an estimated monthly payment of $531.53. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant creditworthiness. Maximum loan term restrictions may apply. Maximum loan amount is $100,000. Rates and terms are subject to change without notice. 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.

Motorcycle Loans: Rates include 0.25% reduction for automatic payments made from your Affinity account. 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. Must be a member in good standing and meet all lending requirements. Motorcycle loans with amounts less than or equal to $10,000 have a 60 month maximum term. The maximum term for Motorcycle loans is 72 months. Interest accrues from the date the loan is funded.

11. Personal Loans

Share Secure Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account. APR is variable based on the dividend rate plus 3.00% and may change monthly. Repayment terms for 60 month loan at 3.00% would consist of 60 monthly payments of $17.99 per $1,000.00 borrowed. Interest accrues from the date the loan is funded

Certificate Secured Loan: Quoted rate includes .25% reduction for automatic payment from your Affinity Account. Term restrictions may apply based on underwriting criteria. Repayment terms dependent upon rate of Certificate Account used to secure the loan.

PrivateLine Overdraft Protection:Rate includes 0.25% reduction for automatic payment from your Affinity account. Repayment does not consist of a fixed monthly payment but is based on a monthly payment of 3% of the outstanding balance with a minimum payment of $30.00. Payments are not fixed.

Personal Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account. Interest accrues from the date the loan is funded. Repayment terms for 36 month loan would consist of 36 monthly payments of $33.57 per $1,000.00 borrowed.

Debt Consolidation Loan: Rate .includes 0.25% reduction for automatic payment from your Affinity account. Repayment terms for 48 month loan would consist of 48 monthly payments of $27.20 per $1,000.00 borrowed. Rate is based on creditworthiness at the time of application. Maximum rate 18.00%

Student Loan Consolidation Program: Rate includes 0.25% reduction for automatic payment from your Affinity account. Interest accrues from the date the loan is funded. Repayment terms for 60 month loan would consist of 60 monthly payments of $20.27 per $1,000.00 borrowed.

12. Business Accounts

Business Savings: Minimum opening deposit and minimum to earn stated APY is $5.00.

Business Basics Checking: $500 minimum opening deposit.

Business Performance Checking: Earn a competitive earnings credit that may offset monthly maintenance and transaction fees.

Business Money Manager: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the table below. If balance falls below the $2,500 average daily balance, there is a $10.00 fee and the regular savings rate will apply until the minimum balance requirement is met.

Rate may change after account is opened.