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  Affinity Federal Credit Union Checking Account

Affinity Federal Credit Union Checking Account

in Checking Accounts from Affinity Federal Credit Union

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Affinity Federal Credit Union Checking Account

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in Checking Accounts from Affinity Federal Credit Union

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Highlights
Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $2.25
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05% - 0.2%

Affinity Federal Credit Union Checking Account Review

Affinity Federal Credit Union Checking Account is offered by Affinity Federal Credit Union, a credit union founded in 1935 and based in Basking Ridge, NJ. Affinity Federal Credit Union Checking Account is available in 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.2%, and you must keep a minimum balance of $1000.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $10.
  • Small minimum initial deposit. You only need $5 to open an account.
  • No ATM fees. Affinity Federal Credit Union Checking Account does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Affinity Federal Credit Union.
  • Hard credit pull. Affinity Federal Credit Union may require a hard pull on your credit report to open a checking account.
Affinity Federal Credit Union Checking Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Affinity Federal Credit Union Checking Account FAQ

Are checking accounts from Affinity Federal Credit Union federally insured?

Yes, your Affinity Federal Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 APY does Affinity Federal Credit Union Checking Account offer?

Affinity Federal Credit Union Checking Account offers an APY starting at 0.05% and ranging up to 0.2% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $1000.

Affinity Federal Credit Union Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.05% - 0.2%

What are the account minimums for Affinity Federal Credit Union Checking Account?

Affinity Federal Credit Union Checking Account requires a minimum initial deposit of $5 to open an account.

Affinity Federal Credit Union Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $5
APY Minimum Balance $1,000

What fees does Affinity Federal Credit Union Checking Account charge?

This account charges a monthly maintenance fee of up to $10.

Affinity Federal Credit Union Checking Account Fees
Description
Monthly Fee $0 - $10
Paper Statement Fee $2
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.25
NSF Fee $33
Overdraft Protection Fee (per transfer) $10
Overdraft Item Fee $33
Early Account Closure $0
Returned Deposit Fee (Domestic) $15
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $33
Check Image Service N/A
Check Copy $7
Foreign Transaction Fee (Debit Card) 2%
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $45
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $15
Wire Transfer Fee - Domestic (Incoming) $0

What features and perks does Affinity Federal Credit Union Checking Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Affinity Federal Credit Union Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
New Jersey
Availabile in all of New Jersey

Feature Breakdown

APY Minimum Balance $1,000
Minimum Initial Deposit $5
ATM Fee: In-Network $0
Early Account Closure $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Check Copy $7
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $10
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.25
Bank Account Features
  • No ATM Fees
  • IRAs
  • NCUA Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Mobile Banking
  • Nationwide ATM Network
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.05% - 0.2%

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