Affinity Federal Credit Union
73 Mountainview Blvd
Basking Ridge, NJ 07920
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Phone 1-908-860-7208
2021 Overview
General Credit Union Information
Affinity is an NCUA insured institution located in Basking Ridge, NJ. It was founded in 1935 and has approximately $3619.05 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
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 857 |
| Date Established | 1935 |
| Assets | $3,619.05 million |
| Loans | $3,031.53 million |
| Deposits | $3,093.84 million |
| Capital | $310.35 million |
Field of Membership Restrictions
Deposit Rates - December 2, 2021
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.25% | $2,500 | $3,499 | Learn More |
Loan Rates - December 2, 2021
Your Current Location: Virginia, VA 20146
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.50% | 5.50% | Varies | |
Compare with RATE Line of Credit from Figure Home Equity Line
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 |
4.42% | 3.50% | $1,122.61 | |
| 5 Year Adjustable Jumbo See Amortization Table |
4.44% | 3.63% | $1,140.83 | |
| 7 Year Adjustable Conforming See Amortization Table |
4.33% | 3.63% | $1,140.83 | |
| 7 Year Adjustable Jumbo See Amortization Table |
4.36% | 3.75% | $1,157.79 | |
| 10 Year Adjustable Conforming See Amortization Table |
4.30% | 3.88% | $1,176.31 | |
| 10 Year Adjustable Jumbo See Amortization Table |
4.35% | 4.00% | $1,193.54 | |
| 15 Year Fixed Conforming See Amortization Table |
3.47% | 3.38% | $1,772.51 | |
| 15 Year Fixed Jumbo See Amortization Table |
3.42% | 3.38% | $1,772.51 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
4.42% | 3.50% | $1,122.61 | |
| 5 Year Adjustable Jumbo See Amortization Table |
4.44% | 3.63% | $1,140.83 | |
| 7 Year Adjustable Conforming See Amortization Table |
4.33% | 3.63% | $1,140.83 | |
| 7 Year Adjustable Jumbo See Amortization Table |
4.36% | 3.75% | $1,157.79 | |
| 10 Year Adjustable Conforming See Amortization Table |
4.30% | 3.88% | $1,176.31 | |
| 10 Year Adjustable Jumbo See Amortization Table |
4.35% | 4.00% | $1,193.54 | |
| 15 Year Fixed Conforming See Amortization Table |
3.47% | 3.38% | $1,772.51 | |
| 15 Year Fixed Jumbo See Amortization Table |
3.42% | 3.38% | $1,772.51 |
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
Climate Initiatives
AFFINITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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 |
|---|---|
| 4.17% | 3.79 |
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, 2021, Affinity had $13,458,950 in non-current loans and $905,700 in owned assets. To cover these potential losses it had $310,351,430 in net worth and $33,895,932 in loans loss reserves. That gives it a Texas Ratio of 4.17%.
Net Worth
| Affinity | U.S. Average |
|---|---|
| 8.64% | 12.22% |
Affinity FCU has a net worth of 8.64% versus the BestCashCow average of 12.22. 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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