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Special Offers

Win an Amazon Echo

Become part of the Affinity family by joining through June 30, 2017 and you will be entered to win an Amazon Echo!1 Click here for more information about the contest rules.

Learn more about Affinity below or call 800.325.0808 for more information.

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7/1 Adjustable-Rate Mortgages (ARM)

3.125% Rate 3.333% APR2

Apply by September 30, 2017 and lock in this special limted-time low rate!

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Grow Your Money With An Affinity Certificate!

Our featured certificate offer:

The Lucky 13: This 13-month certificate offers a 1.30% APY3 and includes an option to add funds through June 30, 2017.

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Spring Enterprise Promotion

Rates as low as 2.49% APR4 for 60 months now through June 30, 2017 when you buy a used vehicle through Enterprise car sales. Additional rates and terms available.

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Home Equity Line Of Credit

Unlock the power of your home with Affinity’s EasyFlex home equity line of credit. Rates as low as:

3.75% APR5

Other rates available for up to 90% combined loan-to-value.

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Jumbo Mortgages

Looking to buy or refinance a home with a mortgage above $424,100?6 Consider a jumbo mortgage (above $424,100 and up to $3,000,000)6 and save money with competitive rates and low closing costs.

Affinity Jumbo Mortgages feature:

            • Competitive rates with no points
            • Easy application process
            • Availability in fixed and adjustable-rates
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Make Your Debt Easier to Manage

With an Affinity Debt Consolidation Loan with rates as low as 9.75% APR7

  • Get a lower fixed-rate
  • Make just one payment per month
            • Pay off your debt once and for all
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Connect With Us

1 Join Affinity between 4.1.17-6.30.17 and you will automatically be entered to win an Amazon Echo. Void where prohibited. No Purchase Necessary. For more information about the contest rules, please visit affinityfcu.com/echo.

2 Annual Percentage Rate (APR) subject to change without notice. Rate is available to qualified loans applied for by 9.30.2017 and closed by 11.30.2017. Stated rate is for the initial fixed period of 7 years.  Subsequent interest rates for each variable period will be based on the LIBOR index, as published in the Wall Street Journal, plus our margin rounded to the nearest one‐eighth of one percent (0.125%), unless calculated interest rate exceeds the set cap for the amount of change in the interest rate; currently, the fully indexed rate is 3.125%. Initial rate, APR and fees can vary depending on the size of the loan and the personal qualifications of individual members. Payments and APRs quoted are for a purchase/refinance loan amount of $200,000 on an owner-occupied single family property, with no cash out at closing, 20% down payment, 0 points, and a credit score of 740. Down-payment of less than 20% requires mortgage insurance. Property and flood insurance where required. Escrow account for the payment of taxes and insurance will be established. All loans subject to approval.

3 APY = Annual Percentage Yield. Penalties apply for early withdrawal. After 13-month term is completed, certificate rolls over to a 12-month term. Rate available as of January 2, 2017 and can change at any time. Minimum opening deposit and minimum balance to earn stated APY is $3,500. Additional deposits can be made to the certificate through June 30, 2017.
EvenMore benefits will start the first day of the month following the opening of your 13-month certificate and continue through October 31, 2017. For complete details about More from Affinity, visit affinityfcu.com/more.

4 APR = Annual Percentage Rate. Rate available to Affinity Members only, valid only on Enterprise Car Sales vehicles purchased 04.01.2017-06.30.2017. Rate quoted is lowest rates for well-qualified applicants and includes 0.25% rate reduction for automatic payments from your Affinity account. Additional rates and terms are available. Some applicants will qualify for higher rates as determined by their creditworthiness. Term restrictions may apply for pre-owned vehicles based on underwriting criteria. Loan amounts less than or equal to $15,000 have a 60 month maximum term; loan amounts (less than or) equal to $20,000 up to 24,999 have a 72 month maximum term; loan amounts of $25,000 or higher have a 96 month maximum term. Monthly payment per $1,000 borrowed at 2.49% APR for 60 months is $17.74. No additional discounts apply. Rates and terms subject to change without notice. Vehicles eligible for used auto loan rate are 7 years old or newer. Enterprise Car Sales is an independent NY and NJ State licensed dealer and is not an affiliate or subsidiary of Affinity Federal Credit Union.

5 APR = Annual percentage rate. Advertised APR is variable and subject to change. Stated rate and term is current as of 06/22/2017, is variable based on the Prime Rate as published in the Wall Street Journal, is for a maximum Combined Loan-To-Value (CLTV) ratio of 59.9%, with a maximum loan amount of $250,000, for applicant with highest credit rating, and is discounted 0.25% for automatic payments from an Affinity account. Other rates are available based on loan amount, credit characteristics, and CLTV up to a maximum of 90% for members who have an Affinity first mortgage, and up to 80% for members who do not have an Affinity first mortgage. The standard minimum APR (floor rate) is 3.75% and the maximum APR (ceiling rate) is 18.00%. Offered rates are subject to change without notice. Subject to underwriting approval. Your actual interest rate is based on our review of your creditworthiness and the available equity in your home and is contingent upon you granting Affinity a valid first or second mortgage.

Home equity loans and lines of credit are available in all states except Texas. Certain states may require a closing attorney. State specific fees may apply at closing. Satisfactory Homeowners’ Insurance is required. Satisfactory Flood Insurance may be required. Title Insurance may be required based on loan amount. Eligible properties include owner-occupied, 1-2 family residences and warrantable condominiums. Investment properties, second homes, vacation homes, cooperatives, mobile homes, and purchase money transactions are excluded. Consult your tax advisor regarding the deductibility of interest charges for these loans.

Within the EasyFlex Home Equity Line of Credit (HELOC) there is a fixed rate option which you may use for up to 3 advances within your available credit line, during the draw period only, with a maximum repayment term of 10 years. When you choose this option, the interest rate you receive for that advance will be fixed until the balance is repaid. Your fixed interest rate will be 1% higher than the existing rate on your line at time of the fixed loan request. The available limit on your line of credit will increase as you repay the principal balance of your fixed rate loan(s).

6 Please note that in high-cost counties as designated by the Federal Housing Finance Agency (FHFA), a High Balance loan will be offered up to the loan limits set by the FHFA. Above those loan limits, a Jumbo Loan is offered.

7 Debt Consolidation Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account. Repayment terms for 48 month loan would consist of 48 monthly payments of $25.24 per $1,000.00 borrowed. Rate is based on creditworthiness at the time of application. Maximum rate 18.00%.