Affinity Plus Federal Credit Union

Headquarters

175 W Lafayette Frontage Rd
Saint Paul, MN 55107
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.10%	5.50% →
1-Year CD	4.35%	4.59% →
2-Year CD	4.00%	4.25% →
5-Year CD	3.50%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Affinity Plus is an NCUA insured institution located in Saint Paul, MN. It was founded in 1934 and has approximately $4205.34 millions in assets.

Who can join?

There are six ways you can become eligible to join Affinity Plus. You must:

Be an employee of the State of Minnesota, the University of Minnesota or any organization that receives funding from the State of Minnesota (including most schools, community colleges, private and public universities, nursing homes and hospitals, counties, cities municipalities and nonprofit groups)

Or be a member of the University of Minnesota Alumni Association, a student in the Minnesota State University System or an alumnus of the Minnesota State University System

Or live, work or worship in Roseville, Arden Hills, Mounds View, Shoreview, St. Anthony or New Brighton

Or be a Minnesota Twins employee or a family member of a Minnesota Twins employee

Or be a relative or housemate of any eligible person or current member

Or make a one-time, $25 life-time dues payment to the Affinity Plus Foundation.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 24362
Date Established	1934
Assets	$4,205.34 million
Loans	$3,678.35 million
Deposits	$3,643.96 million
Capital	$367.45 million

Field of Membership Restrictions

Membership in Affinity Plus Federal Credit Union is open to anyone through making a one-time $25 lifetime dues payment to the Affinity Plus Foundation. Membership is also open to the following: (1) those who live, work or worship in Roseville, Arden Hills, Mounds View, Shoreview, St. Anthony, New Brighton, or downtown Minin neapolis/St Paul; (2) employees of the State of Minnesota, the University of Minnesota, any organization that receives funding from the State of Minnesota or students and alumni of the University of Minnesota.

Deposit Rates - December 30, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.10%	$0	-	Learn More Reviews
Money Market	2.50%	$2,000	$4,999	Learn More Reviews
Money Market	2.60%	$5,000	-	Learn More Reviews
Money Market	2.75%	$10,000	-	Learn More Reviews
Money Market	3.25%	$25,000	-	Learn More Reviews
Premium Money Market Account	3.75%	$0	$25,000	Learn More Reviews
Premium Money Market Account	3.25%	$25,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	4.00%	$500	-	Learn More Reviews
12 Mo CD	1.00%	$0	$25,000	Learn More Reviews
12 Mo CD	1.00%	$100	-	Learn More Reviews
12 Mo CD	4.35%	$500	-	Learn More Reviews
13 Mo CD	4.00%	$500	-	Learn More Reviews
18 Mo CD	4.25%	$500	-	Learn More Reviews
24 Mo CD	4.00%	$500	-	Learn More Reviews
30 Mo CD	3.35%	$500	-	Learn More Reviews
36 Mo CD	3.25%	$500	-	Learn More Reviews
42 Mo CD	3.50%	$500	-	Learn More Reviews
48 Mo CD	3.00%	$500	-	Learn More Reviews
56 Mo CD	3.00%	$500	-	Learn More Reviews
60 Mo CD	3.50%	$500	-	Learn More Reviews
66 Mo CD	3.00%	$500	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
VIRA	2.00%	$0	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
INTCK	0.13%	$200	$25,000	Learn MoreShow Less
Interest Reward	0.10%	$25,000	-	Learn MoreShow Less

Loan Rates - December 30, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Affinity Plus

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More
NMLS ID: 491986						Learn More
NMLS ID: Not a Lender						Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Affinity Plus
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Affinity Plus 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:
Columbus,Ohio

Affinity Plus Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Winona	537.94	A	View Lobby Hours
Rochester	579.16	B	View Lobby Hours
Hastings	619.61	C	View Lobby Hours
Faribault	621.91	D	View Lobby Hours
Eagan Branch	635.21	E	View Lobby Hours
Saint Paul - Lafayette	635.36	F	View Lobby Hours
Saint Paul - Capitol	637.17	G	View Lobby Hours
Roseville	642.44	H	View Lobby Hours
Minneapolis - University	642.98	I	View Lobby Hours
Minneapolis - Nicollet Mall	645.49	J	View Lobby Hours
Mankato	650.88	K	View Lobby Hours
Coon Rapids	657.93	L	View Lobby Hours
Cambridge	665.38	M	View Lobby Hours
Duluth	677.60	N	View Lobby Hours
Saint Cloud Campus	706.18	O	View Lobby Hours
St. Cloud - Heritage Market	707.77	P	View Lobby Hours
Brainerd	740.82	Q	View Lobby Hours
Grand Rapids South	750.31	R	View Lobby Hours
Grand Rapids East	750.65	S	View Lobby Hours
Alexandria	773.20	T	View Lobby Hours
Bemidji - BSU Campus	816.25	U	View Lobby Hours
Bemidji	816.49	V	View Lobby Hours
Bemidji - Hannah Ave	818.16	W	View Lobby Hours
Fergus Falls	819.50	X	View Lobby Hours
Teller Window	854.29	Y	View Lobby Hours
Main Office	854.98	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

AFFINITY PLUS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Affinity Plus Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Affinity Plus. 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 Plus	U.S. Average
5.47%	5.83

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, 2024, Affinity Plus had $20,579,646 in non-current loans and $466,953 in owned assets. To cover these potential losses it had $367,454,636 in net worth and $17,463,414 in loans loss reserves. That gives it a Texas Ratio of 5.47%.

Net Worth

Affinity Plus	U.S. Average
8.71%	13.93%

Affinity Plus FCU has a net worth of 8.71% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Affinity Plus

harleyron74

March 5, 2020 |

CDs 24 Month Rates

Very easy to open A CD or M&M account. They use Transunion to verify credit so just thaw your freeze for A day or 2 and your good to go.
I was helped by Holly and Natalie and had no issues at the Cambridge MN. Location. I will be A long term customer.
The are offering A 30 month CD at 2.50% APY which is the best I could find anywhere!

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