AFCU Financial Education Resources
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FREQUENTLY ASKED QUESTIONS
Join Affinity Federal Credit Union
How do I join Affinity?
Almost anyone can be eligible for membership! We have relationships with over 2,000 businesses, associations and clubs, and you can join Affinity through your association with one of them.
If you are not eligible through one of these paths, you have the option to join by making a one-time $5 donation to the New Jersey Coalition for Financial Education or the Connecticut Jump$tart Coalition.
What is the fee to join?
With Affinity you are more than a member, you are part owner. Affinity is owned and controlled by members who use its services.
This ownership happens when you establish your $5 membership account, which gives you one par value share in Affinity. This is not a transactional account, and these funds will not earn dividends. The account must remain open and funded with the $5 during your membership with Affinity.
Where is the closest branch location?
Our digital tools, such as the Affinity Mobile Banking App and Online Banking, make it easy to manage your account and deposit checks right from your phone. You can also view our branches, shared branching locations and ATMs by visiting Affinity locations.
What is the difference between a credit union and a bank?
Credit unions, unlike banks, are based on a cooperative or "co-op" model in which the members are also the owners. This is the biggest difference between credit unions and banks. While a bank is a for-profit company that distributes profits among shareholders or individual owners, a credit union is a not-for-profit institution "owned" by its members. Therefore, you can think of credit union membership as buying a stake in an organization rather than paying somebody else in exchange for services. Learn more.