Affinity Federal Credit Union
Headquarters
73 Mountainview Blvd
Basking Ridge, NJ 07920
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Phone 1-908-860-7208
2024 Overview
General Credit Union Information
Affinity is an NCUA insured institution located in Basking Ridge, NJ. It was founded in 1935 and has approximately $4273.02 millions in assets.
Who can join?
Membership at Affinity is available to the employees of participating businesses, as well as immediate family or household members. And, membership is also available to most everyone by joining a participating association or club. We have over 2,000 businesses, associations, and clubs that make up the organizations that are part of the Affinity family.
List of associations
http://www.affinityfcu.org/site/about_join_organizations.html
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 857 |
| Date Established | 1935 |
| Assets | $4,273.02 million |
| Loans | $3,841.18 million |
| Deposits | $3,419.85 million |
| Capital | $336.06 million |
Field of Membership Restrictions
Membership in Affinity Federal Credit Union is open to anyone living in New Jersey, New York, and Pennsylvania through membership in the New Jersey Coalition for Financial Education ($5 membership fee). Membership is also open to employees of AT&T, AT&T Wireless, Saint Peter's University Hospital and over 2,800 Select Employer Groups.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
4.00% | $0 | $10,000 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.63% | $500 | - |
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|
| 6 Mo CD
|
2.50% | $500 | - |
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|
| 7 Mo CD
|
4.50% | $500 | - |
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|
| 8 Mo CD
|
5.00% | $500 | - |
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|
| 8 Mo CD
|
5.25% | $50,000 | - |
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|
| 9 Mo CD
|
3.63% | $500 | - |
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|
| 12 Mo CD
|
4.00% | $500 | - |
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|
| 14 Mo CD
|
4.55% | $500 | $49,999 |
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|
| 14 Mo CD
|
5.00% | $50,000 | - |
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|
| 14 Mo CD
|
4.75% | $100,000 | - |
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|
| 17 Mo CD
|
5.25% | $50,000 | - |
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|
| 18 Mo CD
|
3.80% | $500 | - |
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|
| 22 Mo CD
|
3.80% | $500 | $49,999 |
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|
| 22 Mo CD
|
3.90% | $50,000 | $99,999 |
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|
| 22 Mo CD
|
4.00% | $100,000 | - |
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|
| 24 Mo CD
|
1.25% | $500 | - |
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|
| 36 Mo CD
|
2.00% | $500 | - |
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|
| 48 Mo CD
|
2.50% | $500 | - |
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|
| 60 Mo CD
|
2.50% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.55% | $50,000 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $1,000 | - | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.50% | 5.50% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 2.49% | 2.49% | $721.42 | |
| 4 Year | 3.36% | 3.36% | $557.34 | |
| 5 Year | 3.36% | 3.36% | $453.23 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.92% | 7.00% | $2,128.97 | |
| 5 Year Adjustable Jumbo See Amortization Table |
7.94% | 7.13% | $2,156.98 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.83% | 7.13% | $2,156.98 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.86% | 7.25% | $2,182.96 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.80% | 7.38% | $2,211.25 | |
| 10 Year Adjustable Jumbo See Amortization Table |
7.85% | 7.50% | $2,237.49 | |
| 15 Year Fixed Conforming See Amortization Table |
6.97% | 6.88% | $2,854.82 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.92% | 6.88% | $2,854.82 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.92% | 7.00% | $2,128.97 | |
| 5 Year Adjustable Jumbo See Amortization Table |
7.94% | 7.13% | $2,156.98 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.83% | 7.13% | $2,156.98 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.86% | 7.25% | $2,182.96 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.80% | 7.38% | $2,211.25 | |
| 10 Year Adjustable Jumbo See Amortization Table |
7.85% | 7.50% | $2,237.49 | |
| 15 Year Fixed Conforming See Amortization Table |
6.97% | 6.88% | $2,854.82 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.92% | 6.88% | $2,854.82 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Affinity branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
AFFINITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Affinity Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Affinity. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Affinity | U.S. Average |
|---|---|
| 23.13% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Affinity had $84,974,769 in non-current loans and $244,650 in owned assets. To cover these potential losses it had $336,056,435 in net worth and $32,434,204 in loans loss reserves. That gives it a Texas Ratio of 23.13%.
Net Worth
| Affinity | U.S. Average |
|---|---|
| 7.86% | 13.62% |
Affinity FCU has a net worth of 7.86% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Affinity
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