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Rates and Yields

  • Rates and Yields as of 07/20/2018
  • Prime Rate: 5%

Checking

Earn a 0.10% APY increase on MoreChecking with More benefits, or a 0.20% APY increase with Even More benefits! Learn more.
Account Type Dividend Rate APY1
MoreChecking 0.05% 0.05%
Affinity Checking 0.00% 0.00%

Savings

Earn a 0.10% APY increase on MoreSavings with More benefits, or a 0.20% APY increase with Even More benefits! Learn more.
Account Type Dividend Rate APY2
MoreSavings
$0 - $4,999 0.00% 0.00%
$5,000 - $99,999 0.10% 0.10%
$100,000 - $249,999 0.30% 0.30%
$250,000 and up 0.70% 0.70%
Affinity Savings 0.10% 0.10%
Club Savings 0.05% 0.05%
Money Manager
$2,500-$19,999 0.20% 0.20%
$20,000-$34,999 0.25% 0.25%
$35,000-$49,999 0.30% 0.30%
$50,000 and up 0.45% 0.45%

Youth Accounts

Account Type Dividend Rate APY3
Savvy Saver 0.05% 0.05%
Teen Checking 0.01% 0.01%
Teen Savings 0.05% 0.05%
Revolution Spend 0.00% 0.00%
Revolution Save
$0 - $2,500 1.24% 1.25%
$2,500.01 and above 0.25% 0.25%

Credit Cards

Card Type Variable APR4
Premium Visa® 10.35%
Pure Rewards® Visa® 13.75%
Business First® Visa® 13.50%
Secured Visa® 12.35%

Auto Loans

Loan Types Term APR as low as5
New Auto Up to 36 Months 2.12%
  37 to 60 Months 3.61%
  61 to 72 Months 4.11%
  73 to 84 Months 4.36%
  85 to 96 Months 4.87%
Used Auto Up to 36 Months 3.36%
  37 to 60 Months 3.61%
  61 to 72 Months 4.61%
  73 to 84 Months 5.12%
  85 to 96 Months 5.62%
Older Model Used Auto Up to 36 Months 5.99%
  37-60 Months 6.99%

Enterprise Auto Loans

Loan Types Term APR as low ase
Enterprise New Auto Up to 36 Months 2.12%
  Up to 60 Months 3.61%
  Up to 72 Months 4.11%
  Up to 84 Months 4.36%
  Up to 96 Months 4.87%
Enterprise Used Auto Up to 36 Months 3.36%
  Up to 60 Months 3.61%
  Up to 72 Months 4.61%
  Up to 84 Months 5.12%
  Up to 96 Months 5.62%

Mortgages

Home Equity

Loan Type Term APR as low as7
Home Equity Line of Credit 4.50%
Interest Only Home Equity Line of Credit 4.50%

Certificate Accounts

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.25% 0.25%
6 Months 0.70% 0.70%
7 Months 0.30% 0.30%
9 Months 0.85% 0.85%
12 Months 1.44% 1.45%
14 Months8,a 1.39% 1.40%
14 Month Promotional Certificate8,b 2.25% 2.28%
14 Month Promotional Certificate8,b 2.35% 2.38%
14 Month Promotional Certificate8,b 2.45% 2.48%
15 Months with Bump-Up 1.00% 1.00%
18 Months 1.49% 1.50%
22 Month8,c 1.98% 2.00%
22 Month Promotional Certificate8,d 2.50% 2.53%
22 Month Promotional Certificate8,d 2.60% 2.63%
22 Month Promotional Certificate8,d 2.70% 2.74%
24 Months 1.83% 1.85%
30 Months with Bump Up 1.39% 1.40%
36 Months 1.93% 1.95%
48 Months 1.98% 2.00%
60 Months 2.08% 2.10%

IRA Savings, ESA, HSA

Account Type Dividend Rate APY9
Health Savings Account 0.25% 0.25%
IRA Accumulator 0.10% 0.10%
Education Savings 0.10% 0.10%
IRA Money Manager
$500-$19,999 0.20% 0.20%
$20,000-$34,999 0.25% 0.25%
$35,000-$49,999 0.30% 0.30%
$50,000 and up 0.45% 0.45%

Boat, RV & Motorcycle Loans

Loan Type Term APR as low as10
Boat, RV & Motorcycles Up to 36 Months 5.24%
  37-60 Months 5.74%
  61-72 Months 6.24%
  73-84* Months 6.74%
  85-96* Months 7.24%

Personal Loans

Loan Type APR as low as11
Share Secured Loan Dividend Rate + 3.00% See Share Rates%
Certificate Secured Loan Certificate Rate + 2.25% See Certificate Rates
PrivateLine Overdraft Protection Monthly variable: Prime Rate + 6.00% 10.75%
Personal Loan Terms up to 60 months 9.25%
Debt Consolidation Loan Terms up to 120 months 9.25%

Business Accounts

Account Type Dividend Rate APY12
Business Savings 0.05% 0.05%
Business Checking 0.01% 0.01%
Enhanced Business Checking
$0-$4,999 0.00% 0.00%
$5,000-$24,999 0.00% 0.00%
$25,000-$74,999 0.10% 0.10%
$75,000-$249,999 0.20% 0.20%
$250,000 and up 0.30% 0.30%
Business Money Manager
$1,000 - $24,999 0.40% 0.40%
$25,000 and up 1.98% 2.00%

APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are available to Affinity Members only and subject to change at any time without notice. Fees may reduce earnings on deposits, see fee schedule for details.

Loan and credit card rates are lowest rates for qualified applicants, based on creditworthiness. Term restrictions may apply based on underwriting criteria. The maximum APR that may be imposed on any variable rate loan plan is 18.00%.

For all savings and money manager accounts, 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.

1 Checking Accounts

MoreChecking: To avoid imposition of fees you must maintain a minimum daily balance of $1,000 in your account to avoid a service fee. If, on any
day your account balance falls below the required minimum daily balance, your account will be subject to a service fee of $7.00 for that month. All members who qualify for the More program will receive a rate bonus. Receive a 0.10% APY increase when you qualify for More benefits. Receive a 0.20% APY increase when you qualify for Even More benefits. Eligibility for the bonus will continue as long as "More" or "Even More" status is maintained. "More" and "Even More" statuses are reviewed monthly based on information as of the last day of the month and effective with the first day of the following month. If you advance to the "Even More" level, the APY will adjust to reflect the higher bonus amount. The bonus applies to the rate on the first day of the month in which you achieved "More" or "Even More" status. The loss of the bonus also takes effect on the first day of the month in which you no longer qualify for "More from Affinity."

Affinity Checking: There is no minimum opening deposit or balance requirement. 

2 Savings Accounts

MoreSavings: There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. If the account balance falls below the minimum stated 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 requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. All members who qualify for the More program will receive a rate bonus. Receive a 0.10% APY increase when you qualify for More benefits. Receive a 0.20% APY increase when you qualify for Even More benefits. Eligibility for the bonus will continue as long as "More" or "Even More" status is maintained. "More" and "Even More" statuses are reviewed monthly based on information as of the last day of the month and effective with the first day of the following month. If you advance to the "Even More" level, the APY will adjust to reflect the higher bonus amount. The bonus applies to the rate on the first day of the month in which you achieved "More" or "Even More" status. The loss of the bonus also takes effect on the first day of the month in which you no longer qualify for "More from Affinity."

Affinity Savings: There is no minimum opening deposit or balance requirement.

Goal Savings: There is no minimum opening deposit or balance requirement.

Money Manager: To avoid imposition of fees you must maintain a minimum daily balance of $2,500 in your account to avoid a service fee. If, on any day your account balance falls below the required minimum daily balance, your account will be subject to a service fee of $10.00 for that month. If your daily balance on any day falls below $2,500, rate reverts to Savings rate.

3 Youth Accounts

Savvy Saver: Available for members ages 1–12. Account will be converted to a Regular Savings account at the time of the owner's 13th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

Teen Checking & Savings: Available for members aged 13-16. Accounts will be converted to Revolution Spend and Revolution Save accounts respectively, at the time of the owner's 17th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

Revolution Spend: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.

Revolution Save: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. Dividends are compounded monthly and credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. The 1.25% APY will be paid only for that portion of your daily balance that is $2,500.00 or less; the 0.25% APY will be applied to balances in excess of $2,500.00. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.

4 Credit Cards

Rates as displayed will vary with the market based on the Prime Rate. See credit card pricing & terms for additional details. Premium Visa and Pure Rewards Visa rates as displayed are effective when you open your account, based on creditworthiness.

5 Auto Loans

New and used auto loan rates in effect for loans applied for. Rates include 0.25% reduction for automatic payments made from your Affinity account. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Must be a member in good standing and meet all lending requirements. Loan amounts of $9,999 or lower have a maximum term of 54 months, $10,000 to $14,999 have a maximum term of 71 months, $15,000 or higher have a maximum term of 96 months. Vehicles eligible for new auto loan rates are current or previous model year or newer, with fewer than 5,000 miles. Vehicles eligible for used auto loan or refinance rates are 9 years old or newer. Vehicles eligible for older model used auto loan or refinance rates are between 10 and 15 years old. Interest accrues from the date the loan is finalized. All loans are subject to credit review and approval.

Loan Type Term APR Monthly Payment per $1,000 Borrowed (30 days to first)
New Auto Up to 36 Months 2.12% $28.69
  37 to 60  Months 3.61% $18.24
  61 to 72  Months 4.11% $15.70
  73 to 84 Months 4.36% $13.84
85 to 96  Months 4.87% $12.60
Used Auto Up to 36 Months 3.36% $29.24
  37 to 60 Months 3.61% $18.24
  61 to 72 Months 4.61% $15.92
  73 to 84 Months 5.12% $14.19
85 to 96 Months 5.62% $12.96
Older Model Used Auto Up to 36 Months 5.99% $30.42
37-60 Months 6.99% $19.80

e Enterprise Auto Loans

APR = Annual Percentage Rate. Rate discount applied to lowest rates for well-qualified applicants may include 0.25% rate reduction for automatic payments from your Affinity account. Rate cannot be lower than 3.61% APR for Up to 60 months. For example, a $20,000 loan with a term of 60 months and 3.61% APR, the estimated monthly payment will be $364.38. Some applicants will qualify for higher rates as determined by their creditworthiness, loan amount and term. Term restrictions may apply for pre-owned vehicles based on underwriting criteria. Loan amounts of $9,999 or lower have a maximum term of 54 months, $10,000 to $14,999 have a maximum term of 71 months, $15,000 or higher have a maximum term of 96 months. Monthly payment per $1,000 borrowed at 2.12% APR for 36 months is $28.69. No additional discounts apply. Rates and terms subject to change without notice. Vehicles eligible for used auto loan rate are 9 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. All loans are subject to credit review and approval.

Loan Type Term APR Monthly Payment per $1,000 Borrowed
Enterprise New Auto Up to 36 Months 2.12% $28.69
  Up to 60 Months 3.61% $18.24
  Up to 72 Months 4.11% $15.70
  Up to 84 Months 4.36% $13.84
Up to 96 Months 4.87% $12.60
Enterprise Used Auto Up to 36 Months 3.36% $29.24
  Up to 60 Months 3.61% $18.24
  Up to 72 Months 4.61% $15.92
  Up to 84 Months 5.12% $14.19
Up to 96 Months 5.62% $12.96

6 Mortgages

APR = Annual Percentage Rate. Rates as shown are for 0 discount points, for a single-family, owner-occupied property. Rates, APRs and fees can vary depending on the size of the loan and the personal qualifications of individual members.  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. To obtain a custom rate quote, cost and payment information, click here for more information.

7 Home Equity

APR = Annual percentage rate. All loans are subject to credit review and approval. Advertised APR is variable and subject to change. 2.99% annual percentage rate (APR) is an introductory fixed rate for the first 12 months for qualified home equity line of credit borrowers. Current fully indexed rate as low as 4.50% APR. After the introductory period, a variable APR as low as equal to Wall Street Journal prime minus .50% or 4.50% APR as of 6/20/2018. The introductory fixed rate is for a maximum Combined Loan-To-Value (CLTV) ratio of 80%, with a maximum loan amount of $1,000,000. A discounted 0.25% is applied for automatic payments from an Affinity account. Other rates are available based on loan amount, credit characteristics, and CLTV up to a maximum of 80%. The standard minimum APR (floor rate) is 3.00% and the maximum APR (ceiling rate) is 18.00%. Offered rates are subject to change without notice. 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. If the credit limit is less than $250,000, there are no upfront fees. If the credit limit is $250,000 or higher, the borrower will be required to pay for a full title insurance policy. For all HELOCs where a state mortgage tax or other state fees are charged borrower will be responsible to pay this at closing and may take as an advance from HELOC. If borrower pays off and closes the line within the first 36 months, they will be required to repay the third party fees paid by Affinity.

Home equity 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.

Within the 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 fully indexed rate on your line at time of the fixed loan request. If the lock in is during the introductory period, the rate will be marked up based on the fully indexed rate and NOT the introductory rate.

8 Certificate Accounts

Certificates (Including IRA, ESA and Business Certificates): 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. Certificates will automatically renew on the maturity date for the same term. 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. 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 $500, it will be closed.

a 14 Month Certificates: At the end of the 14 month term, certificate will automatically renew to a certificate with a 12 month term at the prevailing rate at the time of maturity for 12 month certificate.

 b 14 Month Promotional Certificates (Including IRA and Business Certificates): Penalties apply for early withdrawal and fees could reduce the earnings on the account. After 14-month term is completed, certificate will automatically renew to a 12-month term at the prevailing rate at the time of maturity for 12 month certificates. Rate available as of June 22, 2018 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.

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. 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 Certificate Rates, Yields & Information:

Annual Percentage Yield Minimum Opening Deposit Minimum Balance To Earn Stated Annual Percentage Yield
2.28% $2,500 $2,500 to $49,999.99
2.38% $50,000 $50,000 to $99,999.99
2.48% $100,000 $100,000 and above

c 22 Month Certificates: At the end of the 22 month term, certificate will automatically renew to a certificate with a 24 month term at the prevailing rate at the time of maturity for 24 month certificate.

 d 22 Month Promotional Certificates (Including IRA and Business Certificates): Penalties apply for early withdrawal and fees could reduce the earnings on the account. After 22-month term is completed, certificate will automatically renew to a 18-month term at the prevailing rate at the time of maturity for 18 month certificates. Rate available as of June, 22, 2018 and can change at any time. New money required to open 22 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.

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. 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 $500, it will be closed.

22 Month Promotional Certficate Rates, Yields & Information:

Annual Percentage Yield Minimum Opening Deposit Minimum Balance To Earn Stated Annual Percentage Yield
2.53% $500 $500 to $49,999.99
2.63% $50,000 $50,000 to $99,999.99
2.74% $100,000 $100,000 and above

9 IRA Savings, ESA and HSA

Health Savings Account: There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

IRA Accumulator and Education Savings: Minimum opening deposit and minimum to earn stated APY is $50.00.

IRA Money Manager: If your daily balance on any day falls below $500, rate reverts to Savings rate.

10 Boat, RV & Motorcycle Loans

Boat, RV & Motorcycle Loans: Rates include 0.25% reduction for automatic payments made from your Affinity account. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Must be a member in good standing and meet all lending requirements. RV& Boat loans with a term of 85-96 months have a minimum finance amount of $50,000.  Motorcycle loans with amounts less than or equal to $10,000 have a 60 month maximum term.  The maximum term for Motorcycle loans is 72 months. Interest accrues from the date the loan is funded.

Loan Type Term APR Monthly Payment per $1,000 Borrowed (30 days to first)
Boat, RV & Motorcycle Up to 36 Months 5.24% $30.08
  37 - 60 Months 5.74% $19.21
  61 - 72 Months 6.24% $16.69
  73 - 84* Months 6.74% $14.97
  85 - 96* Months 7.24% $13.75

*Motorcycle loans have a max term of 72 months.

11 Personal Loans

Share Secured Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account. APR is variable based on the dividend rate plus 3.00% and may change monthly. Repayment terms for 60 month loan at 3.05% would consist of 60 monthly payments of $17.99 per $1,000.00 borrowed. Interest accrues from the date the loan is funded

Certificate Secured Loan: Quoted rate includes .25% reduction for automatic payment from your Affinity Account. Term restrictions may apply based on underwriting criteria. Repayment terms dependent upon rate of Certificate Account used to secure the loan.

PrivateLine Overdraft Protection: Rate includes 0.25% reduction for automatic payment from your Affinity account. Repayment does not consist of a fixed monthly payment but is based on a monthly payment of 3% of the outstanding balance with a minimum payment of $30.00. Payments are not fixed.

Personal Loan:  Rate includes 0.25% reduction for automatic payment from your Affinity account. Interest accrues from the date the loan is funded. Repayment terms for 36 month loan would consist of 36 monthly payments of $31.45 per $1,000.00 borrowed.

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 $25.00 per $1,000.00 borrowed. Rate is based on creditworthiness at the time of application. Maximum rate 18.00%

12 Business Accounts

Business Savings: Minimum opening deposit and minimum to earn stated APY is $5.00.

Business Checking: There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

Enhanced Business Checking: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the above table. If the account balance falls below the minimum stated 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 requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Balances below the minimum for the lowest tier will not earn an APY.

Business Money Manager: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the above table. If the account balance falls below the minimum stated 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 requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. If balance falls below the minimum for the lowest tier, there is a $10.00 fee and the regular savings rate will apply until the minimum balance requirement is met.