Affinity

73 Mountainview Blvd
Basking Ridge, NJ 07920

Overview
Membership
Savings Rates
Loan Rates
Branches
Financial Details
Articles
Reviews

Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 857
Date Established	1935
Assets	$2,458.05 million
Loans	$2,083.50 million
Deposits	$2,103.61 million
Capital	$202.34 million

Affinity is an NCUA insured institution located in Basking Ridge, NJ. It was founded in 1935 and has approximately $2458.05 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.

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates	APY	MIN	MAX
3 Mo CD 10K	0.25%	$500	-	Learn MoreShow Less
6 Mo CD 10K	0.30%	$500	-	Learn MoreShow Less
12 Mo CD 10K	0.40%	$500	-	Learn MoreShow Less
Compare with 1.40% APY 12 Month CD from Synchrony Bank
Special: 13 Mo CD	1.30%	$3,500	-	Learn MoreShow Less
18 Mo CD 10K	1.15%	$500	-	Learn MoreShow Less
Compare with 1.45% APY 18 Month CD from Synchrony Bank
24 Mo CD 10K	1.25%	$500	-	Learn MoreShow Less
Compare with 1.65% APY 2 Year CD from Synchrony Bank
30 Mo CD 10K	0.80%	$500	-	Learn MoreShow Less
36 Mo CD 10K	1.20%	$500	-	Learn MoreShow Less
Compare with 1.85% APY 3 Year CD from Synchrony Bank
60 Mo CD 10K	1.85%	$500	-	Learn MoreShow Less
Compare with 2.35% APY 60 Month CD from Synchrony Bank

Savings Rates	APY	MIN	MAX
Savings 2.5K	0.05%	$5	-	Learn MoreShow Less
Compare with 1.20% APY High Yield Savings from Synchrony Bank

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA 0K	0.40%	$500	-	Learn MoreShow Less
Special: 13 Mo FIRA	1.30%	$3,500	-	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA 0K	0.10%	$50	-	Learn MoreShow Less

MM Rates	APY	MIN	MAX
MM 10K	0.05%	$1,000	$19,999	Learn MoreShow Less
MM25K	0.10%	$20,000	$34,999	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg 0K	0.05%	$1,000	-	Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Home Equity Rates	APR	Rate	Monthly Payment
Line of Credit	3.50%	3.50%	Varies	Learn MoreShow Less

Auto Loan Rates	APR	Rate	Monthly Payment
3 Year	1.99%	1.99%	$715.96	Learn MoreShow Less
4 Year	1.99%	1.99%	$542.27	Learn MoreShow Less
5 Year	2.99%	2.99%	$449.11	Learn MoreShow Less

Refinance Mortgage Rates	APR	Rate	Monthly Payment
5 Year Adjustable Conforming	3.37%	2.88%	$1,037.90	Learn MoreShow Less
5 Year Adjustable Jumbo	3.41%	3.00%	$1,054.01	Learn MoreShow Less
7 Year Adjustable Conforming	3.34%	3.00%	$1,054.01	Learn MoreShow Less
7 Year Adjustable Jumbo	3.40%	3.13%	$1,071.62	Learn MoreShow Less
10 Year Adjustable Conforming	3.75%	3.71%	$1,152.12	Learn MoreShow Less
10 Year Adjustable Jumbo	3.88%	3.78%	$1,162.05	Learn MoreShow Less
15 Year Fixed Conforming	3.26%	3.25%	$1,756.67	Learn MoreShow Less
15 Year Fixed Jumbo	3.26%	3.25%	$1,756.67	Learn MoreShow Less

Purchase Mortgage Rates	APR	Rate	Monthly Payment
5 Year Adjustable Conforming	3.37%	2.88%	$1,037.90	Learn MoreShow Less
5 Year Adjustable Jumbo	3.41%	3.00%	$1,054.01	Learn MoreShow Less
7 Year Adjustable Conforming	3.34%	3.00%	$1,054.01	Learn MoreShow Less
7 Year Adjustable Jumbo	3.40%	3.13%	$1,071.62	Learn MoreShow Less
10 Year Adjustable Conforming	3.75%	3.71%	$1,152.12	Learn MoreShow Less
10 Year Adjustable Jumbo	3.88%	3.78%	$1,162.05	Learn MoreShow Less
15 Year Fixed Conforming	3.26%	3.25%	$1,756.67	Learn MoreShow Less
15 Year Fixed Jumbo	3.26%	3.25%	$1,756.67	Learn MoreShow Less

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
11.52%	7.80%

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. As of December 31, 2016, Affinity had $22,968,729 in non-current loans and $4,109,975 in owned assets. To cover these potential losses it had $202,337,936 in net worth and $32,675,905 in loans loss reserves. That gives it a Texas Ratio of 11.52%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth

Affinity	U.S. Average
8.9%	13.06%

Affinity FCU has a net worth of 8.9% versus the BestCashCow average of 13.06%. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.