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Rates and Yields

  • Rates and Yields as of 04/23/2014
  • Prime Rate: 3.25%

Checking

Account Type Dividend Rate APY2
Affinity Checking 0.01% 0.01%
Green Rewards Checking
$0-$4,999 0.05% 0.05%
$5,000-$14,999 0.10% 0.10%
$15,000-$24,999 0.15% 0.15%
$25,000-$49,999 0.20% 0.20%
$50,000-$99,999 0.25% 0.25%
$100,000-$249,999 0.40% 0.40%
$250,000 and up 0.50% 0.50%

Savings

Account Type Dividend Rate APY1
Affinity Savings 0.05% 0.05%
Premium Plus 0.45% 0.45%
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%

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%

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%
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 1.59% 1.60%

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%
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 1.59% 1.60%

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%
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 1.59% 1.60%

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%

Mortgages

View All Mortgage Rates
Description Rate APR5
30 Year Fixed Rate Mortgage 4.5% 4.539%
20 Year Fixed Rate Mortgage 4.25% 4.303%
15 Year Fixed Rate Mortgage 3.5% 3.566%
10 Year Fixed Rate Mortgage 3.25% 3.345%
3/1/30 Year Adjustable Rate Mortgage 2.75% 2.785%
5/1/30 Year Adjustable Rate Mortgage 2.875% 2.828%
7/1/30 Year Adjustable Rate Mortgage 3.25% 3.014%
10/1/30 Year Adjustable Rate Mortgage 4.5% 3.874%

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%
GreenSmartSM Home Equity Loan 5 Year 5.875%
  10 Year 6.000%
  15 Year 6.125%
  20 Year 6.250%

Personal Loans

Loan Type APR10
Education Line of Credit Monthly variable: Prime Rate + 3.00% 6.25%
Share Secured Loan Dividend Rate + 2.75% 2.80%
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 Savings Accounts

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

Premium Plus: Minimum opening deposit and minimum to earn stated APY is $100,000.00. If balance falls below $100,000.00, the regular savings rate will apply. Rate is not available for business accounts. Account does not include check-writing privileges or Affinity Visa® Debit Access card/ATM access.

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

Savvy Saver: Minimum opening deposit and minimum to earn stated APY is $0.25. 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.

2 Checking Accounts

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

Green Rewards 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. To qualify for this account, you must sign up for Affinity Online Documents, make at least one electronic bill payment per month through Affinity's Online Bill Pay service and make three Affinity Visa® Debit Access transactions per month from your linked checking account during the calendar month preceding the statement cycle date. If the requirements are not met, the regular Affinity Checking rate will be applied for that statement cycle.

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. The maximum APR on any auto loan is 9.99%. 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 2012 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.

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

GreenSmart Home Equity Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account. This program is available only for owner occupied homes; 1-4 unit residential dwellings. It is not available to pay off existing loans with Affinity or any other entity. You may borrow up to 75% of your home's value if you already have an Affinity FCU first mortgage or 65% of the home's value if first mortgage is with another financial institution. There are no credit union related closing costs or fees in NJ. Other state or local taxes, fees or costs are the responsibility of the borrower. Repayment terms as follows:
 

TermAPRMonthly Payment per $1,000 Borrowed
5 Year 5.875% $19.27
10 Year 6.000% $11.10
15 Year 6.125% $8.51
20 Year 6.250% $7.31

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 (Including IRA, ESA and Business Certificates)

Minimum opening deposit and minimum balance to earn stated APY is $500.00. APY earned is based on balance on deposit plus accumulated interest. Penalties apply for early withdrawal.

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

Education Line of Credit: Rate includes 0.25% reduction for automatic payment from your Affinity account. Minimum variable APR is 6.25%.

Share Secured Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account.

Certificate Secured Loan: TBD

PrivateLine Overdraft Protection & Personal 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.

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.