Affinity Federal Credit Union - Personal

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Savings

Affinity has multiple savings options designed to suit your needs, grow your money and earn high dividends.

	Description	Benefits	Terms
Affinity Savings	Our flagship savings account is established automatically with membership	Great rates Affinity ATM card Online Banking No fees	$5 minimum balance ^a	Rates Open an Account
Premium Plus Savings	Your high-balance accounts can earn more without locking up your cash for any period of time	One of the highest savings rates available Access your money anytime without penalty Online Banking	$100,000 minimum balance ^1 a	Rates Open an Account
Holiday and Vacation Club Accounts	Automatically deposit an amount you determine from your paycheck to save for vacations, holiday shopping and more	Competitive rates Vacation Club funds automatically transfer to your Savings Account in June Holiday Club funds automatically transfer to your Savings Account in October	None ^a	Rates Open an Account
Money Manager	Our powerful, high-yielding money market account	Tiered rates Affinity OneCard Money Manager checks Online Banking	$1,000 minimum balance ^2 a	Rates Open an Account
Certificate Accounts	Receive guaranteed earnings on a schedule that fits your needs	Terms from 30 days to 60 months 15 months or 30 month certificates can get a special, one-time rate "bump up" if rates rise during your term	$500 minimum ^a	Rates Open an Account
Health Savings Account	A federally tax-deductible and tax-free medical savings account	No "use it or lose it" rules No fees No minimum balance Free debit card Unlimited free checks You control money going in and out of your account Online Banking Online Bill Pay availability for payments Download the complimentary HSA Quick Guide or visit the Financial Answer Center to learn more	Must be enrolled in a High Deductible Health Plan Have no other first-dollar medical coverage Are not enrolled in Medicare Cannot be claimed as a dependent on someone else's tax return.	Rates Open & Service Accounts
IRA & Coverdell ESA Accumulator	A great account to jumpstart your savings	Increase your balance to earn the competitive rates Low risk, high return	$50 minimum ³	Rates Open & Service Accounts
IRA Money Manager	Money market account with steady returns and minimal risk	Tiered dividend rates Save more, earn more	$500 minimum ³	Rates Open & Service Accounts
IRA & Coverdell ESA Certificate Accounts	Guaranteed rate of return with great flexibility	Offers guaranteed rates of return Choose length of time for investment	$500 minimum 30 days to 60 month terms Some restrictions may apply ³	Rates Open & Service Accounts

Youth Services

From basic savings to asset management, Affinity has the right accounts to help young people get a head start on responsible money management.

Direct Deposit

Direct Deposit is an easy, automated way to deposit money into your account. Paychecks, pension checks, Social Security, and other kinds of recurring income are eligible. Affinity members enrolled in Direct Deposit are eligible for free standard checks.

Contact your payroll department, Social Security or pension administrator to get started. Make sure you have your account number and Affinity's routing number, 221283512.

Get Started

Request an application, check out our rates, or contact our Member Service Center at 800-325-0808 to get started now. You can also visit any branch to apply or get more information.

^a Due to Federal Regulation D, there is a limit on the number of electronic transfers you may make each month from your Savings Accounts. During any month, you may not post more than six electronic withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction, check, draft, debit card, if applicable, or similar order to a third party. There is no limit to the number of in-person withdrawals you may make. Checks/electronic withdrawals/transactions paid in excess of six per month will be charged a $25 fee each.

¹ 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. 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.
² Minimum balance, opening deposit and minimum to earn Annual Percentage Yield 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.
³ IRA Accumulator, IRA Money Manager & IRA Certificate Accounts are insured by the NCUA up to $250,000.