1. Cardholders will earn 2% cash back (which is equivalent to 2 points for every $1 spent) for all purchases made at restaurants, gas stations and supermarkets (excluding gift cards) and on watch, listen and ride services, such as Netflix, Spotify and Uber.

2. APY = Annual Percentage Yield. Dividend rate is effective as of 08/01/2020. Dividend rates and annual percentage yield are subject to change at our discretion without notice to you. We do not impose a limit on the amount the dividend rate and Annual Percentage Yield on your account may change. The dividend rate on your account is determined by the credit union. There is no initial deposit requirement to open this account. There is no minimum balance requirement for this account. Fees could reduce earnings on this account.

One account per member allowed. The Tier 1 dividend rate will only be paid on the portion of your balance that is $2,499.99 or less. The Tier 2 dividend rate will only be paid on the portion of your balance that is $2,500 to $4,999.99. The Tier 3 dividend rate will only be paid on the portion of your balance that is $5,000 or more.

3. Offer available for Affinity Cash Rewards Visa Signature card, Affinity Pure Rewards Visa card and Affinity Hillsborough Visa card. The cash back is issued in the form of bonus points. These points can be redeemed for cash back deposited to your savings account, checking account, or as a principal credit to your credit card account. Please note that these bonus categories are categorized by specific Merchant Category Codes. Not all merchants may use the specific qualified transactions codes. The additional points may not be issued, if the merchant does not use a qualified Merchant Category Code.

BONUS POINTS ARE EARNED AS FOLLOWS:

Affinity Cash Rewards Visa Signature: Cardholders will earn 5% cash back (which is the equivalent to 5 points for every $1 spent) on purchases made for clothing & accessories, home supplies including Home Depot and Lowe’s, and drug store merchants on up to $3,500 during the promotional period of April 1, 2021 – June 30, 2021 (excluding gift cards); in addition, cardholders will earn 2% cash back (which is equivalent to 2 points for every $1 spent) for all supermarket purchases (excluding gift cards), restaurant purchases, and gas station purchases, and for all purchases made on watch, listen and ride services, such as Netflix, Spotify and Uber; in addition, cardholders will receive 1% cash back per every $1 spent on everything else. The cash back is issued in the form of points. These points can be redeemed for cash back deposited to your savings account, checking account, or as principal credit to your credit card account by July 31, 2021 for the prior month’s activity. Additional terms, conditions, and restrictions may apply

Affinity Pure Rewards Visa and Affinity Hillsborough Visa: In addition to the standard points cardholders earn (1 point per $1 spent or 2 points per $1 spent if you qualify for EvenMore perks), cardholders will receive 5 bonus points per $1 spent for purchases made for clothing & accessories, home supplies including Home Depot and Lowe’s, and drug store merchants on up to $3,500 during the promotional period April 1, 2021 – June 30, 2021 (excluding gift cards). Learn more about EvenMore perks by visiting affinityfcu.com/more. Standard points will be credited normally (the day following the purchase); bonus points will be credited by July 31, 2021 for the prior month’s activity. Additional terms, conditions, and restrictions may apply.

All transactions are subject to verification for eligibility. Transactions not eligible to receive bonus points include gambling transactions, disputed transactions, returns, balance transfers and cash advances.

4. Vehicle must be financed using standard financing terms through Affinity Federal Credit Union to qualify for payment offer. Enterprise will make the first payment on the payment due date up to $400 on member's behalf after the vehicle is financed through Affinity Federal Credit Union. The member is responsible for any remaining payment balance due. Offer void when 7-day Buyback is activated. Offer valid 04/01/2021 to 09/30/2021. No cash advances. Offer cannot be combined. Not valid on previous purchases. Offer void where prohibited by law, rule, or regulation, which currently includes, but is not limited to CA, IL, LA, OK, OR, SC, TN, WV, WI.

5. Kelly Blue Book Trade-In Values used by Enterprise are obtained from © 2021 Kelly Blue Book Co.'s website KBB.com. Kelly Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelly Blue Book Trade-In Value. Kelly Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped at Enterprise Car Sales at 20% of the vehicle's base value. If a Kelly Blue Book Trade-In Value is not available for a customer's vehicle, Enterprise will provide a fair and competitive value for customer's vehicle. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Restrictions apply. See a Sales Consultant for details. Offer void where prohibited. Used Vehicles were previously part of the Enterprise rental fleet and/or an affiliated company's lease fleets or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with possible previous use including rental, lease, transportation network company or other use. Photo for illustration only. The "e" logo and Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. 

6. APY = Annual Percentage Yield. Penalties apply for early withdrawal and fees could reduce the earnings on the account. After the 14-month promotional term is completed, certificate will automatically renew at the time of maturity, to the 12 month term at the current prevailing rate for 12 month certificates. Rate available as of December 17, 2019 and can change at any time. New money required to open 14 month certificate product. New money is defined as funds not on deposit at Affinity Federal Credit Union for longer than 30 days at the time of account opening. Contact an employee for further information about applicable fees and terms.

After a Certificate is opened, you can not make deposits into the account. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. The dividend rate in effect at the time the certificate renews into the new term will be applied to the account. Account holder has a ten (10) day grace period to change the term or close the certificate account without a penalty. We may impose a penalty if you withdraw any of the funds before a Certificate maturity date. The penalty will equal ninety days' dividends on your certificate account with a term of one year or less, and a penalty of up to 182 days’ dividends for certificates with a term of more than one year. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account. It applies whether or not the dividends have been earned. We will impose an early withdrawal penalty of at least seven (7) days’ simple interest if funds are withdrawn within six days of the date of deposit or within six days of the date of the immediately preceding partial withdrawal. We reserve the right to require at least seven days written notice of an intended withdrawal. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. If a Certificate balance falls below $2,500, it will be closed.

14 Month Promotional Certficate Rates, Yields & Information:

7. Business Money Manager: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the table below. If the account balance falls below the minimum the next lowest tier’s 1.00% APY will apply. If balance falls below the $1,000 minimum daily balance for the lowest tier, there is a $10.00 fee and the regular savings rate will apply until the minimum balance requirement is met.

You may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (1) a predetermined time; (2) on a fixed schedule or (3) upon or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you.