Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants. The maximum APR that may be imposed on any variable rate loan plan is 18%. Term restrictions may apply based on underwriting criteria.

¹ Includes 1.00% reduction for automatic payment from your Affinity account.
² Anniversary change date is 4/1/09.

Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants.

³ Rate includes a 0.25% reduction for automatic payment from your Affinity account. 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. Minimum rate is 4.00% APR. The maximum APR that may be imposed on any variable rate loan plan is 18%. Rate adjusts monthly on the 1st of each month. There is no maximum adjustment cap on the first or any subsequent adjustments. Minimum monthly payment is 1.25% of the highest loan balance incurred during the payment period. Should the APR exceed 14%, the payment factor would be 1.55%. Increases in highest balance taken will increase monthly payment; future reduction in balance and/or rate will not reduce the monthly payment amount. The minimum monthly payment regardless of balance is $100. Closing fees on NJ properties $0.00. Additional closing costs may apply to lines of credit secured by non NJ properties. Adequate homeowner's insurance required to open loan. Late payment after 15 days is 4% of the payment or $18.00, whichever is greater. There is a $25.00 charge for non-sufficient funds. Term: 15 year draw period followed by a 15 year repayment period. During the repayment period, Affinity may adjust the monthly payment to ensure payoff by maturity date.
⁴ Rate includes 1.00% reduction for automatic payment from your Affinity account. Term restrictions may apply based on underwriting criteria. Repayment terms as follows:

	Term	APR	Monthly payment per $1,000 borrowed
	5 Years	6.00%	$19.33
	10 Years	6.50%	$11.35
	15 Years	6.75%	$8.85
	20 Years	7.00%	$7.75

⁵ Rate includes a 1.00% reduction for automatic payment from your Affinity account. Interest rate will be fixed for the first five years after which it will be based on an index rate plus a margin. Payment will be based on the interest rate, loan balance and loan term. For full disclosures, terms and conditions, click here.

⁶ Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants.

Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants. The maximum APR that may be imposed on any variable rate loan plan is 18%. Term restrictions may apply based on underwriting criteria.

⁷ Quoted rate includes .50% reduction for automatic payment from your Affinity Account. Annual percentage rate may vary. Anniversary change date for annual variable loan is the cycle day of the month in which the loan was originally established.
⁸ Quoted rate includes .25% reduction for automatic payment from your Affinity Account.
¹⁰ Quoted rate includes .50% reduction for automatic payment from your Affinity Account. Annual percentage rate may vary.
¹¹ Quoted rate includes 1.00% reduction for automatic payment from your Affinity account. Term restrictions may apply based on underwriting criteria. Repayment terms for 48 month loan would consist of 48 monthly payments of $26.70 per $1,000.00 borrowed.
¹² Quoted rate includes .25% reduction for automatic payment from your Affinity Account. Annual percentage rate may vary. Premium rate only applicable during repayment term.
¹³ Quoted rate includes .25% reduction for automatic payment from your Affinity Account. Rate reduction only applicable during repayment period. Payments deferred until six (6) months after graduation date. The fixed interest rate of 6.80% on Stafford loans disbursed on or after July 1, 2006 is set by the federal government. Subsidized - the Subsidized Stafford Loan is based on financial need. The Government pays interest on this loan during the student's full-time school enrollment. Unsubsidized - the Unsubsidized Stafford Loan is NOT based on financial need. The borrower pays interest during the student's full-time school enrollment.
¹⁴ Quoted rate includes .25% reduction for automatic payment from your Affinity Account. The fixed interest rate of 8.50% on PLUS loans disbursed after July 1, 2006 is set by the federal government.

Rates available to Affinity Members only. Fees may reduce earnings on accounts, see fee schedule for details. Rates subject to change after account is opened.

¹⁵ Minimum opening deposit and minimum to earn stated APY $5.00. Account is subject to Regulation D and limited to a maximum of six electronic transactions per month.
¹⁶ Minimum opening deposit and minimum to earn stated APY $0.01.
¹⁷ For information on opening requirements, click here.
¹⁸ Minimum opening deposit and minimum to earn stated APY $50.00.
¹⁹ Minimum opening deposit and minimum to earn stated APY $100,000.00. If balance falls below $100,000.00, the regular savings rate will apply. Rate not available for business accounts. Account is subject to Regulation D and limited to a maximum of six electronic transactions per month. Does not include check-writing privileges or Affinity OneCard/ATM access.
²⁰ Minimum balance, opening deposit and minimum to earn stated APY dependant upon tier. If balance falls below the minimum stated for a particular tier, the next lowest tier's rate will apply. Terms subject to change. Free checks restricted to one box per order. To qualify for this account, you must sign up for Affinity online statements, make at least one electronic bill payment per month through Affinity's Online Bill Pay service and make three Affinity OneCard 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.
²¹ Minimum balance, opening deposit and minimum to earn stated APY dependant upon tier. If balance falls below the minimum stated for a particular tier, the next lowest tier's rate will apply. If balance falls below $1,000, there is a $10.00 fee and the regular savings rate will apply. Up to three personal Money Manager checks may be written per month, but there is no limit to the number of in-person withdrawals you may make. Account is subject to Regulation D and limited to a maximum of six electronic transactions per month.
²² Minimum balance, opening deposit and minimum to earn stated APY dependant upon tier. If balance falls below the minimum stated for a particular tier, the next lowest tier's rate will apply. Account does not include check writing privileges.

²³ Rates available to Affinity Members only. Rates subject to change without notice. Fees may reduce earnings on accounts, see fee schedule for details. Minimum opening deposit and minimum balance to earn stated APY is $500.00. APY earned is based on interest remaining on deposit. Penalties apply for early withdrawal.