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Rates
Rates and Yields as of
Prime Rate:
Savings & Checking
| Account Type | Dividend Rate | Annual Percentage Yield | ||
|---|---|---|---|---|
| 1,a | ||||
| 2 | ||||
| 3 | ||||
| 4 | ||||
| 4 | ||||
| 5,a | ||||
| 6,a | ||||
| 7,a | ||||
| 8 | ||||
| 9,a | ||||
| 10 | ||||
| 11 | ||||
| 12 | ||||
| 13 | ||||
| 9,a | ||||
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.
a For savings and money market 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 (i) a predetermined time; (ii) on a fixed schedule or (iii) 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 Minimum opening deposit and minimum to earn stated APY $5.00.
2 There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY $0.01.
3 There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY $0.01.
For information on eligibility, click here.
4 Minimum opening deposit and minimum to earn stated APY $50.00.
5 Minimum opening deposit $0.25. Minimum to earn stated APY $5.00.
6 Members under the age of 18 must have a parent / guardian as a joint on the account. Minimum opening deposit and minimum to earn stated APY $0.25.
7 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. Does not include check-writing privileges or Affinity Visa® Debit Access card/ATM access.
8 Minimum opening deposit and minimum balance to earn the stated Annual Percentage Yield (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.
9 Minimum balance, opening deposit and minimum balance to earn the stated Annual Percentage Yield (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.
10 Minimum balance, opening deposit and minimum balance to earn the stated Annual Percentage Yield (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.
11 Minimum opening deposit and minimum to earn stated APY $5.00.
12 There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY $0.01.
13 Minimum balance, opening deposit and minimum balance to earn the stated Annual Percentage Yield (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.
Certificates 14
| Certificate Account | IRA Certificate | Coverdell ESA Certificate | ||||
|---|---|---|---|---|---|---|
| Term | Dividend Rate |
Annual Percentage Yield |
Dividend Rate |
Annual Percentage Yield |
Dividend Rate |
Annual Percentage Yield |
14 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 balance on deposit plus accumulated interest. Penalties apply for early withdrawal. Term restrictions for business accounts apply.
Credit Cards Log In & Apply Now
| Card Type | Annual Percentage Rate |
|---|---|
| 15 | - |
| 15 | - |
| 16 | |
| 16 | |
| 16 |
Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants. See credit card pricing & terms for additional details.
15 Rates as displayed are effective when you open your account, based on creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
16 Rates as displayed will vary with the market based on the Prime Rate.
Auto Loans Log In & Apply Now
| Loan Type | 17 | 17 | 18 | 17 |
|---|---|---|---|---|
| Term | Annual Percentage Rate | |||
Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants. Maximum APR on any auto loan is 9.99%. Term restrictions may apply based on underwriting criteria. 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.
17 Includes 0.25% reduction for automatic payment from your Affinity account.
18 Rate applies to purchases made through the Auto Resource Center of Hunterdon only. Includes 0.25% reduction for automatic payment from your Affinity account.
Home Loans
| Loan Type | Annual Percentage Rate | |
|---|---|---|
| View Current Rates Personalized Rate Quote |
||
| 19 | ||
| 20 | Apply Now | |
| 21 | Apply Now | |
| 22 | Apply Now | |
Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants.
19 Rate includes a 0.25% reduction for automatic payment from your Affinity account, unless this drops the rate to below 4.00%. Minimum rate is 4.00% APR. 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. You will be eligible for the preferred rate if automatic payment from an Affinity FCU account is set-up at closing. If you close with out establishing automatic payment from an Affinity FCU account or if you fail to maintain preferred rate status, we may increase your ANNUAL PERCENTAGE RATE .25% above the preferred rate. Rates are subject to change without notice. Your Easy Flex Home Equity Line of Credit (HELOC) has a variable rate; your ANNUAL PERCENTAGE RATE (APR) may change monthly. The maximum APR that may be charged is 18%. Acceptable documentation for the eligible purchase of items (or related work proposals from a licensed provider) may be required prior to closing.
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. As you pay back the principal of your fixed rate loan, the available balance on your Easy Flex HELOC increases. This fixed loan option is available for the first 15 years of your HELOC. HELOC loans and Fixed Rate Home Equity Loans are not offered in Texas. South Carolina requires members to have a closing attorney.
20 Rate includes 1.00% reduction for automatic payment from your Affinity account. Term restrictions may apply based on underwriting criteria. Acceptable documentation for the eligible purchase of items (or related work proposals from a licensed provider) may be required prior to closing. Repayment terms as follows:
| Term | APR | Monthly Payment per $1,000 Borrowed |
21 Rate includes a 1.00% reduction for automatic payment from your Affinity account. Annual Percentage 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. Acceptable documentation for the eligible purchase of items (or related work proposals from a licensed provider) may be required prior to closing. For full disclosures, terms and conditions, click here. Repayment terms as follows:
| Term | APR | Monthly Payment per $1,000 Borrowed |
22 Rate includes 1.00% reduction for automatic payment from your Affinity account. Term restrictions may apply based on underwriting criteria. Acceptable documentation for the eligible purchase of items (or related work proposals from a licensed provider) is required prior to closing. NOTE: this program is for new home equity loans only; it is not available to payoff existing loans with AFCU or any other entity. Repayment Terms available are for 5, 10, 15 or 20 years. You may borrow up to 75% of your home's value if you already have an Affinity FCU 1st mortgage or 65% of the home's value without an Affinity FCU 1st mortgage. Individual qualification factors will determine the maximum loan amounts and terms. There are no credit union related closing costs however, if applicable, any local or State specific taxes, fees or costs are the responsibility of the borrower. (No Fees in NJ). This program is available only for Owner Occupied Homes; 1-4 Unit Residential dwellings. Loans are available in all States except Texas. Certain States (not NJ) require members to have a closing attorney. Rates and terms are subject to change without notice. Repayment terms as follows:
| Term | APR | Monthly Payment per $1,000 Borrowed |
Education Loans Log In & Apply Now
| Loan Type | Annual Percentage Rate | |
|---|---|---|
| 23 | ||
Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants. Term restrictions may apply based on underwriting criteria.
23 Variable APR is determined at the time of your application, based on creditworthiness, and is subject to change during the term of the loan at any time without notice. Rate quoted includes 0.25% APR reduction if all loan payments are made via automatic deduction from your Affinity account. Minimum variable APR is 3.25%, maximum variable APR is 18.00%.
Other Loans Log In & Apply Now
| Loan Type | Annual Percentage Rate | |
|---|---|---|
| 24 | ||
| See Certificate Rates | ||
| 25 | ||
| 26 | ||
| 25 | ||
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.
24 Quoted rate includes 0.25% reduction for automatic payment from your Affinity Account.
25 Quoted rate includes .25% 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 per $1,000.00 borrowed.
26 Quoted rate includes 0.25% 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 per $1,000.00 borrowed.
Rates are subject to change at any time. Loan Rates quoted are our Premium Rates and require automatic transfer of payment OR automatic transfer of payment and EFT deposit of net pay, pension or social security. Call the Member Service Center at 800-325-0808 for loans or terms not mentioned here. Please note loan rates quoted below are the lowest rates for qualified applicants. Other rates are available and may apply based on our underwriting guidelines.
