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Earn up to 4.00% APY1
Award-winning savings with no monthly fees or minimums.
Get Started

Earn 8X the National Average2

Whether you’re saving for a down payment, dream vacation, or rainy day, we’re here to help you earn more toward your financial goals with our high-yield SmartStart Savings account.

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Competitive Rates

Earn 4.00% APY on the first $10,000 and 1.00% APY on every dollar after.

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Zero Fees

No monthly account fees3 or minimum balance requirements.

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Federally Insured

Your deposits are federally insured by the NCUA up to $250,0004.

CNBC Editor's Pick

2023 CNBC Select Editor's Pick for Saving Accounts

Named "Best Credit Union Savings Account for Deposits Under $10,000" by CNBC Select.

2024 WSJ Buyside Award icon

2024 Buy Side Rated for High-Yield Savings Accounts

Buy Side from Wall Street Journal rated SmartStart Savings the “Best Credit Union High-Yield Savings Account for 2024.”

Total Access When You Need It

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Enjoy unlimited transfers and withdrawals between your accounts at Affinity or other financial institutions.

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Deposit checks, send money with Zelle5, schedule transfers and more with our Mobile Banking App.

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Grow your savings faster with direct deposits from your paycheck and receive your funds up to 2 days early6.


Join Affinity!
Our savings accounts, debit cards and other services are for members only. Joining is easy: Join online or call us at 800.325.0808.
Apply for a SmartStart Savings Account
Get started on your application online, in-branch or over the phone—click here to apply online.
Fund Your Account
While there's no minimum opening deposit or balance requirement, you'll need to deposit funds in your account to start earning dividends. The sooner you start, the more time you'll have to earn higher yields.