Affinity Federal Credit Union | More2023

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Visit your local Affinity branch to speak with one of our Financial Services Consultants.

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Schedule an in-person appointment with a specialist.

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Set up an appointment to speak to a member specialist.

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Fund your account—Get your bonus.

It's as simple as one, two, and three. No complicated steps or confusing activity requirements.

Open an Account

Join Affinity and open a MoreChecking and/or MoreSavings account.

Deposit $250,000

Put $250,000 into your Affinity MoreChecking and/or MoreSavings account.

Get $2,000 Bonus¹

After 6 months, you'll get the $2,000 bonus added to your account.

MoreSavings Account Image

Earn up to 2.25% APY² with a MoreSavings account. Plus, no monthly fees when you sign up for eStatements³.

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MoreChecking Account Image

Get access to 30,000+ fee-free ATMs⁴ with a MoreChecking account. Plus, earn 0.25% APY on your balance⁵.

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Affinity Branch Locations

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¹ To receive the $2,000 bonus: 1) Meet with an Affinity Financial Services Consultant to open a MoreChecking and/or MoreSavings account(s); 2) Within 60 days of account opening, transfer a total of $250,000 or more in qualifying new money to one or a combination of only the two eligible accounts: Eligible Accounts: qualifying Affinity MoreChecking and Affinity MoreSavings accounts (opened in person at an Affinity branch location by an Affinity Financial Services Consultant). Ineligible Accounts: Other Affinity personal savings and checking accounts, business savings and checking accounts, share certificates, investment or retirement investment accounts, or insurance products. Cash back earned will be reported on an IRS 1099 Form, if applicable. The qualifying new money cannot be existing funds on deposit with Affinity, funds or securities held by you at Affinity or its affiliates. AND 3) Hold the new money of at least $250,000 for at least 180 days from the date the funds are deposited to the account(s). After you have completed all of the above requirements, we will deposit the bonus to your Affinity MoreChecking or More Savings account within 60 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Offer valid through June 30, 2023.

Federally Insured up to $250,000

² APY = Annual Percentage Yield. APY is effective as of 8/12/2022. The APY is accurate as of the latest dividend declaration date. Dividend rates and annual percentage yield are subject to change after the account is opened 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. Minimum balance to earn the stated annual percentage yield (APY) depends upon the tier as indicated in rates. If the account falls below the minimum states for a particular tier, the next lowest tier’s APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirements for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account.

$0 - $24,999.99 | 1.00% Dividend Rate | 1.00% APY
$25,000 - $99,999.99 | 1.14% Dividend Rate | 1.15% APY
$100,000 - $249,999.99 | 1.73% Dividend Rate | 1.75% APY
$250,000 and up | 2.23% Dividend Rate | 2.25% APY

³ To qualify for no monthly fees and avoid the $2 monthly paper statement fee, upon opening your More Savings Account, you must enroll in paperless statements (eStatements) either by registering and logging in to your Online Banking or Mobile Banking account. For new members, the paper statement fee is waived for the first 45 days of membership; after that, if you have not enrolled in eStatements you may be assessed a $2 paper statement fee per month. Enrollment in eStatements means you will not receive mail delivery of your statements and you have agreed to Electronic Delivery Disclosure. You may withdraw your consent to receive paperless statements anytime by logging in to your Online Banking or Mobile banking account. If you choose to withdraw from eStatements you will be charged a $2 monthly paper statement fee. Note: The fee is waived for tenant accounts, members age 70 or older, and children age 12 and under.

⁴ You can make an unlimited number of withdrawals from ATMs in our surcharge-free CO-OP Network without any surcharge from the owner of the ATM. When you use an ATM not owned by us or part of our network, you may be charged a fee by the ATM operator, or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

⁵ APY = Annual Percentage Yield. Earn 0.25% APY on your checking account balance when you maintain an average daily balance of $1,000 or more in your account. If your average daily balance falls below the required minimum daily balance, your account will be subject to a service fee of $7.00 for that month. If your daily balance on any day falls below $1,000, rate reverts to 0% until the minimum balance requirement is met.