APR, which stands for Annual Percentage Rate, is the interest rate on an account plus any fees you'll have to pay. It's calculated on a yearly basis and shown as a percentage. APY, which stands for Annual Percentage Yield, is the rate you can earn on an account over a year, and it includes compound interest.
Credit unions are member-owned and not-for-profit, so any extra funds are returned to members in the form of dividends, reduced loan interest and products and services designed to enhance your financial wellbeing. At Affinity, certain accounts like MoreSavings earn dividends as a reward for keeping your money in the account.