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  Affinity Plus FCU Interest Reward Checking
Affinity Plus FCU Interest Reward Checking
in Checking Accounts from Affinity Plus Federal Credit Union · Insured by NCUA
Unaffiliated

Affinity Plus FCU Interest Reward Checking

Unaffiliated
in Checking Accounts from Affinity Plus Federal Credit Union · Insured by NCUA
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
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Cashback Rewards N/A
APY (Annual Percentage Yield) 0.100% - 0.125%
Monthly Fee $0 - $6
Minimum Balance to Avoid Monthly Fee Starting at $200

Affinity Plus FCU Interest Reward Checking Review

Affinity Plus FCU Interest Reward Checking is offered by Affinity Plus Federal Credit Union, a credit union founded in 1930 and based in Saint Paul, MN. Affinity Plus FCU Interest Reward Checking are available in 1 state across the USA.

Key Takeaways

  • Higher than average APY. Affinity Plus FCU Interest Reward Checking has an annual percentage yield of up to 0.125%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $200.
  • Charges a monthly fee. This account charges a monthly service fee of up to $6, but the fee is waived if you keep a minimum balance of $200.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • No ATM fees. Affinity Plus FCU Interest Reward Checking does not charge fees on ATM transactions within its network but there is a fee of up to $2.25 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Affinity Plus Federal Credit Union.

Affinity Plus checking account Pros & Cons

Pros Cons
  • Dividend-yielding account.
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • 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 Plus checking account FAQ

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

Yes, your checking 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 APY does Affinity Plus checking account offer?

Affinity Plus checking account offers an APY starting at 0.100% and ranging up to 0.125% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $200.

Affinity Plus checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.100% - 0.125%

What are the account minimums for Affinity Plus checking account?

Affinity Plus checking account does not require a minimum initial deposit.

Affinity Plus FCU Interest Reward Checking Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $200
Minimum Balance to Earn APY $200

What fees does Affinity Plus checking account charge?

This account charges a monthly service fee of up to $6.

Affinity Plus FCU Interest Reward Checking Fees
Description
Monthly Fee $0 - $6
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $2
Online Bill Pay Fee $0
Debit Card Replacement Fee $5
Early Account Closure $0

Does Affinity Plus checking account charge overdraft fees?

Yes, Affinity Plus checking account charges a $33 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.

What features and perks does Affinity Plus checking account offer?

This account includes the following features:

  • Fraud monitoring - Affinity Plus checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Affinity Plus checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Affinity Plus checking account?

The customer support email for Affinity Plus checking account is affinityplus@affinityplus.org.

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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.

Message From Affinity Plus checking account

More ta-das, less to-dos. Earn dividends on your money while retaining flexibility. Interest reward checking. The one that earns. You could get a checking account. Or you could get one that makes you more money. Earn dividends at a competitive rate on balances over $200.

 

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 1 state
Minnesota
Availabile in all of Minnesota

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $200
Minimum Balance to Earn APY $200
Monthly Fee $0 - $6
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $2
Online Bill Pay Fee $0
Debit Card Replacement Fee $5
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.100% - 0.125%

Affinity Plus FCU Interest Reward Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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