AFFINITY

73 Mountainview Blvd
Basking Ridge, NJ 07920

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 857
Date Established 1935
Assets $3,294.97 million
Loans $2,895.42 million
Deposits $2,381.92 million
Capital $256.40 million

Affinity is an NCUA insured institution located in Basking Ridge, NJ. It was founded in 1935 and has approximately $3294.97 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

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 - January 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.30% $2,500 $19,999 Learn MoreShow Less
Money Market
0.35% $20,000 $34,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.80% $500 - Learn MoreShow Less
Special: 14 Mo FIRA
2.28% $2,500 $49,999 Learn MoreShow Less
Special: 14 Mo FIRA
2.38% $50,000 $99,999 Learn MoreShow Less
Special: 14 Mo FIRA
2.48% $100,000 - Learn MoreShow Less
Special: 22 Mo FIRA
2.53% $500 $49,999 Learn MoreShow Less
Special: 22 Mo FIRA
2.63% $50,000 $99,999 Learn MoreShow Less
Special: 22 Mo FIRA
2.74% $100,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.85% $500 - Learn MoreShow Less
12 Mo CD
1.60% $500 - Learn MoreShow Less
Special: 14 Mo CD
2.28% $2,500 $49,999 Learn MoreShow Less
Special: 14 Mo CD
2.38% $50,000 $99,999 Learn MoreShow Less
18 Mo CD
1.80% $500 - Learn MoreShow Less
Special: 22 Mo CD
2.53% $500 $49,999 Learn MoreShow Less
Special: 22 Mo CD
2.63% $50,000 $99,999 Learn MoreShow Less
Special: 22 Mo CD
2.74% $100,000 - Learn MoreShow Less
24 Mo CD
1.90% $500 - Learn MoreShow Less
30 Mo CD
1.45% $500 - Learn MoreShow Less
36 Mo CD
2.00% $500 - Learn MoreShow Less
48 Mo CD
2.05% $500 - Learn MoreShow Less
60 Mo CD
2.15% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - January 22, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.61% 2.61% $722.74
4 Year 3.86% 3.86% $562.91
5 Year 3.86% 3.86% $458.84
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

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:
Ashburn,Virginia


Affinity Locations

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
4.31% 5.78

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 June 30, 2018, Affinity had $9,522,274 in non-current loans and $2,704,461 in owned assets. To cover these potential losses it had $256,398,488 in net worth and $27,302,572 in loans loss reserves. That gives it a Texas Ratio of 4.31%.

Net Worth
Affinity U.S. Average
8.31% 13.21%

Affinity FCU has a net worth of 8.31% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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*All images, logos and public notes on this page appear courtesy of AFFINITY and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.