Affinity

73 Mountainview Blvd
Basking Ridge, NJ 07920

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
Savings Rates APY MIN MAX
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.

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