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  Affinity Plus Federal Credit Union Basic Certificate Of Deposit

Affinity Plus Federal Credit Union Basic Certificate Of Deposit

in CD Accounts from Affinity Plus Federal Credit Union · ncua

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Affinity Plus Federal Credit Union Basic Certificate Of Deposit

Unaffiliated

in CD Accounts from Affinity Plus Federal Credit Union · Insured by NCUA

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Highlights
Minimum Opening Deposit Starting at $100
Certificate Term
  • 3 months
  • 6 months
  • 12 months
  • 18 months
  • 2 years
  • 30 months
  • 3 years
  • 4 years
  • 5 years
APY (Annual Percentage Yield) 0.4% - 1.50%

Affinity Plus Federal Credit Union Basic Certificate Of Deposit Review

Affinity Plus Federal Credit Union Basic Certificate Of Deposit is offered by Affinity Plus Federal Credit Union, a credit union founded in 1930 and based in Saint Paul, MN. Affinity Plus Federal Credit Union Basic Certificate Of Deposit is available in 2 states across the USA.

Key Takeaways
  • Only one CD account type available. Affinity Plus Federal Credit Union CD only offers traditional CD accounts.
  • Very high APY. This account offers an annual percentage yield of up to 1.50%, which is much higher than the national average for a certificate account.
  • Small minimum initial deposit. You only need $100 to open an account.
  • Wide selection of certificate terms. Affinity Plus Federal Credit Union CD allows you to create a certificate ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of Affinity Plus Federal Credit Union Basic Certificate Of Deposit
Pros Cons
  • Insured by NCUA.
  • Multiple certificate terms available.
  • High-dividend yield
  • No charge on incoming domestic or international wire transfers.
  • Only available in 2 states.
  • There isn't a no-penalty certificate option.
  • Does not offer an IRA CD.
Affinity Plus Federal Credit Union Basic Certificate Of Deposit FAQ

Are cd accounts from Affinity Plus Federal Credit Union federally insured?

Yes, your Affinity Plus Federal Credit Union cd accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What types of CDs does Affinity Plus Federal Credit Union offer?

Affinity Plus Federal Credit Union CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate i you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or rolling over the CD for another term.

What CD rates does Affinity Plus Federal Credit Union offer on its CDs?

Affinity Plus Federal Credit Union CD offers an APY starting at 0.4% and ranging up to 1.50%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.

What terms does Affinity Plus Federal Credit Union CD offer?

Affinity Plus Federal Credit Union offers CD terms of the following lengths:
Affinity Plus Federal Credit Union Basic Certificate Of Deposit Rates & Terms
Description
2-Year APY 0.75%
3-Month APY 0.4%
3-Year APY 0.95%
4-Year APY 1.2%
5-Year APY 1.5%
6-Month APY 0.45%
12-Month APY 0.65%
APY (Annual Percentage Yield) 0.4% - 1.50%

What is the minimum deposit to open a CD account with Affinity Plus Federal Credit Union?

Affinity Plus Federal Credit Union CD requires a minimum deposit of $100 to open an account.

What is the grace period for Affinity Plus Federal Credit Union CD?

Affinity Plus Federal Credit Union CD does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does Affinity Plus Federal Credit Union CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

Affinity Plus Federal Credit Union does not charge an early withdrawal fee.

Affinity Plus Federal Credit Union does not seem to charge any of the fees we track.

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Contact

Hours of Operation

  • Sunday Closed
  • Monday 11:00am - 4:00pm
  • Tuesday Closed
  • Wednesday Closed
  • Thursday Closed
  • Friday 11:00am - 4:00pm
  • Saturday Closed

Other Services by Affinity Plus Federal Credit Union

Availability

  Available in 2 states
  • Minnesota
  • Wisconsin

Feature Breakdown

Minimum Opening Deposit Starting at $100
2-Year APY 0.75%
3-Month APY 0.4%
3-Year APY 0.95%
4-Year APY 1.2%
5-Year APY 1.5%
6-Month APY 0.45%
12-Month APY 0.65%
APY (Annual Percentage Yield) 0.4% - 1.50%
CD Accounts Traditional
Certificate Term
  • 3 months
  • 6 months
  • 12 months
  • 18 months
  • 2 years
  • 30 months
  • 3 years
  • 4 years
  • 5 years

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