Affinity SmartStart Savings account questions
What are dividends?

Credit unions are member-owned and not-for-profit, so any extra funds are returned to members in the form of dividends, reduced loan rates and products and services designed to enhance your financial wellbeing. At Affinity, certain accounts like SmartStart Savings earn dividends as a reward for keeping your money in the account.

Does Affinity charge a monthly maintenance fee for savings?

Our savings accounts have $0 monthly maintenance fees with eStatements3. Otherwise, there is a monthly fee of $2 for paper statements.

Are there minimum account requirements for savings?

Our SmartStart Savings account features no minimum opening deposit, no minimum balance requirements and no monthly service fee if eStatements3 are selected. Otherwise, there is a $2 per month paper statement fee. Our IRA, ESA, and HSA savings accounts work differently because they are subject to different regulatory requirements.

Do I have to maintain a minimum balance to earn dividends?

Yes. While there is no minimum balance to keep your account open, you must have at least some money in your account to earn dividends on it.

Can I open a joint savings account with my spouse or another family member?


How do I open a SmartStart Savings account?

It's easy. You have to join Affinity as a member, then apply for a SmartStart Savings account. To apply online click here: Apply online