What are the requirements for opening an Affinity SmartStart Savings account?

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What are dividends, and how are they different from interest?

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Can I have direct deposit with a savings account?

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Does Affinity charge a monthly maintenance fee for savings?

Most of our savings options have $0 monthly maintenance fees if enrolled in eStatements. If not, 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 or initial deposit, no minimum deposit of any kind, no minimum balance requirements, and no monthly service fee if eStatements are selected. Otherwise, there is a $2/month paper statement fee.

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

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

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

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How do I open a high-yield SmartStart Savings account?

It's easy. You have to join Affinity Federal Credit Union as a member, then apply for a MoreSavings account. Here are all the details.