Affinity offers a variety of account types to help members save money, because no single option is best for all personal finance needs and situations. For example, our SmartStart account is exactly that – a smart way to start saving – because you'll get 2.00% APY (annual percentage yield) on your first $5,000. Other accounts, such as MoreSavings, offer higher rates for higher balances, and our Certificates Accounts may provide higher yields for those willing to lock up funds for a period of time. We also offer tax-advantaged IRA accounts for retirement savings; Coverdell Education Savings Accounts (ESAs) to help save for college; and Health Savings Accounts (HSAs) that let members with high-deductible health plans set aside pre-tax dollars to use for qualified medical expenses.