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