close
Rates
Rates and Yields as of
Prime Rate:
Savings & Checking
| Account Type | Dividend Rate | Annual Percentage Yield | ||
|---|---|---|---|---|
| 1,a | ||||
| 2 | ||||
| 3 | ||||
| 4 | ||||
| 5,a | ||||
| 6,a | ||||
| 7,a | ||||
| 8 | ||||
| 9,a | ||||
| 10 | ||||
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 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 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 For information on opening requirements, click here.
4 Minimum opening deposit and minimum to earn stated APY $50.00.
5 Minimum opening deposit and minimum to earn stated APY $0.25.
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 OneCard/ATM access.
8 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.
9 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.
10 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.
Certificates 11
| Account Type | Dividend Rate | Annual Percentage Yield | |
|---|---|---|---|
11 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.
Credit Cards 12 Log In & Apply Now
| Card Type | Annual Percentage Rate |
|---|---|
12 Rates available to Affinity Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants.
Auto Loans Log In & Apply Now
| Loan Type | Annual Percentage Rate | |
|---|---|---|
| 13 | ||
| 13 | ||
| 15 | ||
| 16 | ||
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. Loan amounts less than or equal to $10,000 have a 60 month maximum term.
13 Includes 1.00% reduction for automatic payment from your Affinity account.
15 Includes 0.50% reduction for automatic payment from your Affinity account and a minimum of two out of three other discounts: Green Auto, Auto Loyalty and purchase of a warranty. Rate applies to purchases made through the Auto Resource Center of Hunterdon only.
16 Anniversary change date is 4/1/09.
Home Loans
| Loan Type | Annual Percentage Rate | |
|---|---|---|
| View Current Rates Personalized Rate Quote |
||
| 18 | ||
| 19 | Apply Now | |
| 20 | Apply Now | |
| 21 | 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.
18 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.
19 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 |
20 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.
21 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 | |
|---|---|---|
| 22 | ||
| 23 | ||
| 23 | ||
| 24 | ||
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.
22 Quoted rate includes .25% reduction for automatic payment from your Affinity account, unless this drops the rate to below 4.00%. Minimum rate is 4.00% APR. Annual Percentage Rate may vary. Premium rate only applicable during repayment term.
23 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 on subsidized Stafford loans and on unsubsidized Stafford loans disbursed on or after July 1, 2009 is set by the federal government.
24 Quoted rate includes .25% reduction for automatic payment from your Affinity Account. The fixed interest rate of % on PLUS loans disbursed after July 1, 2009 is set by the federal government.
Other Loans Log In & Apply Now
| Loan Type | Annual Percentage Rate | |
|---|---|---|
| 25 | ||
| 26 | ||
| See Certificate Rates | ||
| 27 | ||
| 28 | ||
| 28 | ||
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.
25 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.
26 Quoted rate includes 1.00% reduction for automatic payment from your Affinity Account.
27 Quoted rate includes .50% reduction for automatic payment from your Affinity Account. Annual Percentage Rate may vary.
28 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 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.
