Savings Accounts

Save for Something Better

No matter what your savings style or savings goal, we can help your money grow faster with savings accounts that earn dividends.

Savings Account Options

Affinity offers several savings account options to help you grow your money. Whether you’re saving for a special purchase, building up an emergency fund, or simply saving your pennies for a rainy day, we have products designed to meet your needs. And when you bank with Affinity, you’ll always have convenient access to your money.

MoreSavings

Earn more with the Affinity MoreSavings Account1! This savings account has 4 balance tiers and rewards members who qualify for More or Even More rewards with higher rates.

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Affinity Savings

An Affinity Savings account helps your savings grow while ensuring you’ll always have convenient access to your money1. You can also avoid overdraft fees by using your Affinity Regular Savings account as a backup for your checking accounts when you sign up for Affinity’s free Overdraft Protection.

Log in to Online Banking and open a Regular Savings account
  • Minimum opening deposit: $0
  • No minimum daily balance requirement to earn dividends
  • Dividends compounded daily and paid monthly
  • Direct deposit option
  • Debit/ATM card

 

Club Savings Account

Whether you’re saving for a vacation, holiday shopping, or something else specific, Affinity’s Club Savings account gives you the flexibility to set savings goals. Its automatic transfer features allows you save, track your progress, and plan for whatever is important to you.

Log in to Online Banking and open a Club Savings account
  • Open an account with as little as $0
  • Identify your savings goal
  • Automatically deposit a pre-determined amount from your paycheck
  • Keep track of your progress through online banking/alerts
  • Set as many goals throughout the year as you want

Money Manager Account

Our Money Manager3 account lets you take advantage of current money market interest rates. It’s perfect for members who want to watch their savings grow while having the flexibility to write a limited number of checks per month1.

Log in to Online Banking and open a Money Manager account
  • Minimum balance required: $1,000
  • Tiered rates based on balance amounts3
  • Higher dividend yields than savings accounts
  • Free Money Manager Checks
  • Direct Deposit Option
  • Debit/ATM Card

Certificate Account

A Certificate Account is a convenient way to save while earning a guaranteed fixed rate dividend for a fixed period of time. With term options ranging 30 days and 60 months, it will be easy to find a Certificate that’s right for you.

Log in to Online Banking and open a Certificate account
  • Minimum deposit required: $500
  • Term options from 30 days to 60 months
  • Certificates with 15 month or 30 month terms can get a one-time rate increase if rates rise during your term
  • Penalties apply for early withdrawal

1 For savings and money market accounts you may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (i) a predetermined time; (ii) on a fixed schedule or (iii) upon or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you.

2 Minimum balance to earn the stated Annual Percentage Yield (APY) depends upon the tier as indicated in rates. 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.

3 Minimum opening deposit $1,000. Minimum balance to earn the stated Annual Percentage Yield (APY) depends upon the tier as indicated in rates. 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. If balance falls below $1,000, there is a $10.00 fee and the regular savings rate will apply.