AFFINITY
73 Mountainview Blvd
Basking Ridge, NJ 07920
Phone: 1-908-860-7208
2019 Overview
General Credit Union Information
Affinity is an NCUA insured institution located in Basking Ridge, NJ. It was founded in 1935 and has approximately $3345.21 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 |
| Charter Number # | # 857 |
| Date Established | 1935 |
| Assets | $3,345.21 million |
| Loans | $2,962.43 million |
| Deposits | $2,713.59 million |
| Capital | $275.75 million |
Field of Membership Restrictions
Deposit Rates - December 16, 2019
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $5 | - | Learn More |
|
Money Market
|
0.35% | $2,500 | $19,999 | Learn More |
|
Money Market
|
0.40% | $20,000 | $34,999 | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Fixed IRA
|
1.75% | $500 | - | Learn More |
| Special: 14 Mo FIRA
|
1.95% | $2,500 | $49,999 | Learn More |
| Special: 14 Mo FIRA
|
2.05% | $50,000 | $99,999 | Learn More |
| Special: 14 Mo FIRA
|
2.15% | $100,000 | - | Learn More |
| Special: 22 Mo FIRA
|
1.95% | $500 | $49,999 | Learn More |
| Special: 22 Mo FIRA
|
2.05% | $50,000 | $99,999 | Learn More |
| Special: 22 Mo FIRA
|
2.15% | $100,000 | - | Learn More |
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.25% | $500 | - | Learn More |
| 6 Mo CD
|
0.85% | $500 | - | Learn More |
| 12 Mo CD
|
1.55% | $500 | - | Learn More |
| Special: 14 Mo CD
|
1.95% | $2,500 | $49,999 | Learn More |
| Special: 14 Mo CD
|
2.05% | $50,000 | $99,999 | Learn More |
| Special: 14 Mo CD
|
2.15% | $100,000 | - | Learn More |
| 18 Mo CD
|
1.55% | $500 | - | Learn More |
| Special: 22 Mo CD
|
1.95% | $500 | $49,999 | Learn More |
| Special: 22 Mo CD
|
2.05% | $50,000 | $99,999 | Learn More |
| Special: 22 Mo CD
|
2.15% | $100,000 | - | Learn More |
| 24 Mo CD
|
1.60% | $500 | - | Learn More |
| 30 Mo CD
|
1.20% | $500 | - | Learn More |
| 36 Mo CD
|
1.75% | $500 | - | Learn More |
| 48 Mo CD
|
1.75% | $500 | - | Learn More |
| 60 Mo CD
|
1.80% | $500 | - | Learn More |
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $50 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.25% | $1,000 | - | Learn More |
Loan Rates - December 16, 2019
Your Current Location: Virginia, VA 20146
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit | 5.50% | 5.50% | Varies | |
Compare with 0 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 | 4.42% | 3.50% | $1,122.61 | |
| 5 Year Adjustable Jumbo | 4.44% | 3.63% | $1,140.83 | |
| 7 Year Adjustable Conforming | 4.33% | 3.63% | $1,140.83 | |
| 7 Year Adjustable Jumbo | 4.36% | 3.75% | $1,157.79 | |
| 10 Year Adjustable Conforming | 4.30% | 3.88% | $1,176.31 | |
| 10 Year Adjustable Jumbo | 4.35% | 4.00% | $1,193.54 | |
| 15 Year Fixed Conforming | 3.47% | 3.38% | $1,772.51 | |
| 15 Year Fixed Jumbo | 3.42% | 3.38% | $1,772.51 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming | 4.42% | 3.50% | $1,122.61 | |
| 5 Year Adjustable Jumbo | 4.44% | 3.63% | $1,140.83 | |
| 7 Year Adjustable Conforming | 4.33% | 3.63% | $1,140.83 | |
| 7 Year Adjustable Jumbo | 4.36% | 3.75% | $1,157.79 | |
| 10 Year Adjustable Conforming | 4.30% | 3.88% | $1,176.31 | |
| 10 Year Adjustable Jumbo | 4.35% | 4.00% | $1,193.54 | |
| 15 Year Fixed Conforming | 3.47% | 3.38% | $1,772.51 | |
| 15 Year Fixed Jumbo | 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
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 |
|---|---|
| 5.55% | 5.86 |
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, 2019, Affinity had $14,795,375 in non-current loans and $1,800,701 in owned assets. To cover these potential losses it had $275,748,333 in net worth and $23,061,342 in loans loss reserves. That gives it a Texas Ratio of 5.55%.
Net Worth
| Affinity | U.S. Average |
|---|---|
| 8.27% | 13.65% |
Affinity FCU has a net worth of 8.27% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About Affinity
Branches and Savings
What is Affinity?
A federal credit union, registered with the NCUA under certificate #857.
Learn more about credit unions here.
Is Affinity FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join Affinity?
Please see Field of Membership information above for information on who is eligible to join.
How big is Affinity?
Affinity has total capital of $275.75 million. Full information on Affinity's financial position is located above.
Who owns Affinity?
Credit Unions are owned by their members.
Where are Affinity branches located?
See branch locations nearby.
Are Affinity ATMs Open 24/7?
Do Affinity ATMs accept cash deposits?
Can Affinity customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Affinity have a mobile app?
Does Affinity have mobile deposit?
Does Affinity have quick pay?
How can Affinity transfer money to other banks or credit unions?
Does Affinity report to credit bureaus?
Does Affinity use Chexsystems?
Does Affinity use Equifax?
What is Affinity's toll free phone number?
What is Affinity's ACH Routing Number?
What is Affinity's SWIFT code?
Where can I find Affinity's wire transfer form?
What is the Affinity address for deposits?
What Products Does Affinity Offer
Does Affinity offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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