Back

Rates and Yields

  • Rates and Yields as of 05/26/2015
  • Prime Rate: 3.25%

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 - $24,999 0.25% 0.25%
$25,000 - $49,999 0.40% 0.40%
$50,000 - $99,999 0.50% 0.50%
$100,000 and above 0.65% 0.65%
Affinity Savings 0.05% 0.05%
Club Savings 0.05% 0.05%
Savvy Saver 0.05% 0.05%
Money Manager
$1,000-$19,999 0.05% 0.05%
$20,000-$34,999 0.15% 0.15%
$35,000-$49,999 0.20% 0.20%
$50,000 and up 0.30% 0.30%

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%

Credit Cards

Card Type Variable APR3
Premium Visa® 8.60% - 14.60%
Pure Rewards® Visa® 12.00% - 18.00%
Business First® Visa® 12.00%
Secured Visa® 10.60%
Student Visa® 10.60%

Auto Loans

Loan Type Term APR4
New Auto Up to 48 Months 1.99%
  49-60 Months 2.99%
  61-72 Months 3.49%
  73-84 Months 3.74%
Used Auto Up to 36 Months 2.99%
  37-60 Months 3.49%
  61-72 Months 3.99%
  73-84 Months 4.49%
Auto Resource Center Up to 48 Months 1.99%
  49-60 Months 2.99%
  61-72 Months 3.49%
  73-84 Months 3.74%
Boat & RV Up to 36 Months 2.99%
  49-60 Months 3.49%
  61-72 Months 3.99%
  73-84 Months 4.49%

Mortgages

View All Mortgage Rates
Description Rate APR5

Home Equity

Loan Type Term APR6
EasyFlex Home Equity Line of Credit 4.00%
Fixed Rate Home Equity 5 Year 6.125%
  10 Year 6.250%
  15 Year 6.375%
  20 Year 6.500%

Certificate Accounts

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.35% 0.35%
6 Months 0.35% 0.35%
7 Months 0.35% 0.35%
9 Months 0.40% 0.40%
12 Months 0.40% 0.40%
14 Months8,a
Standard Rate 1.00% 1.00%
More Members 1.09% 1.10%
Even More Members 1.19% 1.20%
15 Months with Bump-Up 0.45% 0.45%
18 Months 0.80% 0.80%
24 Months 1.00% 1.00%
30 Months with Bump Up 0.80% 0.80%
36 Months 1.24% 1.25%
60 Months 1.98% 2.00%

LadderUP Certificate Accounts

Learn more about the LadderUP Certificate Package
Term Dividend Rate APY8
LadderUP Certificate Package (includes all four certificates)
6 Months 0.55% 0.55%
12 Months 0.60% 0.60%
18 Months 1.00% 1.00%
24 Months 1.19% 1.20%
Retirement LadderUP Certificate Package (includes all four certificates)
6 Months 0.55% 0.55%
12 Months 0.60% 0.60%
18 Months 1.00% 1.00%
24 Months 1.19% 1.20%

IRA Certificate Accounts

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.35% 0.35%
6 Months 0.35% 0.35%
7 Months 0.35% 0.35%
9 Months 0.40% 0.40%
12 Months 0.40% 0.40%
14 Months8,a 1.00% 1.00%
15 Months with Bump-Up 0.45% 0.45%
18 Months 0.80% 0.80%
24 Months 1.00% 1.00%
30 Months with Bump Up 0.80% 0.80%
36 Months 1.24% 1.25%
60 Months 1.98% 2.00%

ESA Certificate Accounts

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.35% 0.35%
6 Months 0.35% 0.35%
7 Months 0.35% 0.35%
9 Months 0.40% 0.40%
12 Months 0.40% 0.40%
14 Months8,a 1.00% 1.00%
15 Months with Bump-Up 0.45% 0.45%
18 Months 0.80% 0.80%
24 Months 1.00% 1.00%
30 Months with Bump Up 0.80% 0.80%
36 Months 1.24% 1.25%
60 Months 1.98% 2.00%

IRA Savings, ESA, HSA

Account Type Dividend Rate APY9
Health Savings Account 0.45% 0.45%
IRA Accumulator 0.10% 0.10%
Education Savings 0.10% 0.10%
IRA Money Manager
$500-$19,999 0.05% 0.05%
$20,000-$34,999 0.15% 0.15%
$35,000-$49,999 0.20% 0.20%
$50,000 and up 0.30% 0.30%

Personal Loans

Loan Type APR10
Share Secured Loan Dividend Rate + 2.75% See Share Rates%
Certificate Secured Loan Certificate Rate + 2.00% See Certificate Rates
PrivateLine Overdraft Protection Monthly variable: Prime Rate + 6.50% 9.75%
Personal Loan Terms up to 48 months 10.00%
Debt Consolidation Loan Terms up to 48 months 10.00%

Business Accounts

Account Type Dividend Rate APY7
Business Savings 0.10% 0.10%
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 0.20% 0.20%
$75,000-$249,999 0.30% 0.30%
$250,000 and up 0.40% 0.40%
Business Money Manager
$1,000 - $19,999 0.05% 0.05%
$20,000 - $34,999 0.15% 0.15%
$35,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.30% 0.30%
$100,000 and up 0.30% 0.30%

Business Certificates

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.35% 0.35%
6 Months 0.35% 0.35%
12 Months 0.40% 0.40%
18 Months 0.80% 0.80%
30 Months 0.80% 0.80%
36 Months 1.24% 1.25%
60 Months 1.59% 1.60%
Connect With Us

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: There is no minimum opening deposit. Minimum balance to earn the stated APY is $1,000. If the account falls below the minimum stated, there will be a $2.95 monthly service fee. 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. Minimum balance to earn stated APY is $0.01.

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.

Savvy Saver: There is no minimum opening deposit or balance requirement. Members under the age of 18 must have a parent/guardian as joint on the account.

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.

3 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.

4 Auto 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. Loan amounts less than or equal to $10,000 have a 60 month maximum term. Vehicles eligible for new auto loan rates are model year 2014 or newer, with fewer than 2,000 miles. Vehicles eligible for used auto loan or refinance rates are 7 years old or newer, with a maximum of 125,000 miles on domestic brand cars, or 150,000 miles on foreign-brand cars. Auto Resource Center rates apply to purchases made through the Auto Resource Center of Hunterdon only. Interest accrues from the date the loan is funded.

Loan TypeTermAPRMonthly Payment per $1,000 Borrowed
New Auto Up to 48 Months 1.99% $21.69
  49-60 Months 2.99% $17.96
  61-72 Months 3.49% $15.41
  73-84 Months 3.74% $13.55
Used Auto Up to 36 Months 2.99% $29.08
  37-60 Months 3.49% $18.19
  61-72 Months 3.99% $15.64
  73-84 Months 4.49% $13.90
Auto Resource Center Up to 48 Months 1.99% $21.69
  49-60 Months 2.99% $17.96
  61-72 Months 3.49% $15.41
  73-84 Months 3.74% $13.55
Boat & RV Up to 36 Months 2.99% $29.08
  37-60 Months 3.49% $18.19
  61-72 Months 3.99% $15.64
  73-84 Months 4.49% $13.90

5 Mortgages

Rates, APRs and fees can vary depending on the size of the loan and the personal qualifications of individual members. For full disclosures and additional information, please click here to obtain a custom rate quote.

6 Home Equity

For all Home Equity loans and lines of credit, acceptable documentation for the eligible purchase of items (or related work proposals from a licensed provider) may be required prior to closing. Home equity loans and lines of credit are available in all States except Texas. Certain states may require a closing attorney.

EasyFlex Home Equity Line of Credit: Rate includes a 0.25% reduction for automatic payment from your Affinity account as established at closing, unless this drops the rate to below 4.00%. The minimum rate is 4.00% APR, and the maximum APR that may be charged is 18.00%. APR is variable and may change monthly. The actual interest rate offered is based on our review of your credit history and the percentage of remaining equity in your home. Other rates are available and may apply based on underwriting guidelines. There are no closing costs on properties located in the state of New Jersey. Properties not located in New Jersey may be subject to state specific mortgage tax fees. Such fees will vary from state to state and typically range from $0.00 and $5,000.00. Consult your tax advisor regarding the deductibility of interest under this plan. Within the Easy Flex Home Equity Line of Credit (HELOC) there is a fixed-rate option which you may use for up to 3 advances at any one time. 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 determined by the credit union adding or subtracting a margin at its sole discretion, to the U.S. Prime Rate published in the Wall Street Journal at the time you choose this option. The available balance on your line of credit will increase as you repay the principal of your fixed rate loan. This fixed loan option is available for the first 15 years of your line of credit.

Fixed Rate Home Equity: Rate includes 0.25% reduction for automatic payment from your Affinity account. Repayment terms as follows:
 

TermAPRMonthly Payment per $1,000 Borrowed
5 Year 6.125% $19.39
10 Year 6.250% $11.23
15 Year 6.375% $8.64
20 Year 6.500% $7.46

7 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.

8 Certificate Accounts

Certificates (Including IRA, ESA and Business Certificates):Minimum opening deposit and minimum balance to earn stated APY is $500.00. Penalties apply for early withdrawal.

LadderUP Certificate Package: Minimum opening deposit and minimum balance to earn stated APY is $500 per certificate term. Penalties apply for early withdrawal. Fees may reduce earnings on accounts, see fee schedule for details. To receive these rates, equal dollar amounts must be placed in each of the following terms: 6-month, 12-month, 18-month, and 24-month. At the end of each respective term, each certificate will automatically renew to a 24-month certificate at the prevailing rate at the time of maturity for 24-month certificates. Not available on Business Certificates.

a 14 Month Certificates: Minimum opening deposit and minimum balance to earn stated APY is $2,500.00. Penalties apply for early withdrawal. 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.

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. For information on eligibility, click here.

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

IRA 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. Balances below the minimum for the lowest tier will not earn an APY. Account does not include check writing privileges.

10 Other 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 2.75% and may change monthly. Repayment terms for 60 month loan at 2.80% would consist of 60 monthly payments of $17.88 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 48 month loan would consist of 48 monthly payments of $25.24 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 $25.36 per $1,000.00 borrowed.