Affinity Federal Credit Union

Headquarters

73 Mountainview Blvd
Basking Ridge, NJ 07920
See all branch locations →

Phone 1-908-860-7208

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.70% 0.67% →
2-Year CD 0.85% 0.80% →
5-Year CD 1.10% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage 3.47% 2.36% →
HELOC N.A. 2.79% →

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

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 - 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 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.85% $10,000 $14,999 Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
30 Mo CD
0.35% $10,000 $14,999 Learn More
30 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.95% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.10% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 2, 2021

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
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
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



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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