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  Affinity Plus Federal Credit Union Interest Reward Checking

Affinity Plus Federal Credit Union Interest Reward Checking

in Checking Accounts from Affinity Plus Federal Credit Union · Member ncua

Unaffiliated

Affinity Plus Federal Credit Union Interest Reward Checking

Unaffiliated

in Checking Accounts from Affinity Plus Federal Credit Union · Member NCUSIF

Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+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
Community Rating

Rating not yet determined  

Monthly Fee $0 - $6
ATM Fee: Out-of-Network $2.25
Minimum Balance to Avoid Monthly Fee $200
APY (Annual Percentage Yield) 0% - 0.125%

Affinity Plus Federal Credit Union Interest Reward Checking Review

Affinity Plus Federal Credit Union 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 Federal Credit Union Interest Reward Checking is available in 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only .125%.
  • Charges a monthly fee. This account charges a monthly maintenance 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.
  • No ATM fees. Affinity Plus Federal Credit Union Interest Reward Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Affinity Plus Federal Credit Union.
  • Hard credit pull. Affinity Plus Federal Credit Union may require a hard pull on your credit report to open a checking account.
Affinity Plus Federal Credit Union Interest Reward Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not come with a debit card
  • 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 Plus Federal Credit Union Interest Reward Checking FAQ

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

Yes, your Affinity Plus 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 Plus Federal Credit Union Interest Reward Checking offer?

Affinity Plus Federal Credit Union Interest Reward Checking offers an APY starting at 0% and ranging up to .125% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $200.

Affinity Plus Federal Credit Union Interest Reward Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0% - .125%

What are the account minimums for Affinity Plus Federal Credit Union Interest Reward Checking?

Affinity Plus Federal Credit Union Interest Reward Checking does not require a minimum initial deposit.

Affinity Plus Federal Credit Union Interest Reward Checking Account Minimums
Description Amount
Minimum Initial Deposit $0
APY Minimum Balance $200
Minimum Balance to Avoid Monthly Fee $200

What fees does Affinity Plus Federal Credit Union Interest Reward Checking charge?

The good news is that this account does not have a monthly service charge.

Affinity Plus Federal Credit Union Interest Reward Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $6
NSF Fee $33
Online Bill Pay Fee $0
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 (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.25

What features and perks does Affinity Plus Federal Credit Union Interest Reward Checking 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 Plus Federal Credit Union Interest Reward Checking 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.

Contact

  • Headquarters
  •   175 W. Lafayette Frontage Rd
    Saint Paul, MN 55107
  •   Visit Site

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

APY Minimum Balance $200
Minimum Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $200
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
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $6
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
  • Bauer Financial A+/A Rating
  • Fraud Protection
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
  • No ATM Fees
  • No Monthly Maintenance Fee
APY (Annual Percentage Yield) 0% - 0.125%

Affinity Plus Federal Credit Union Interest Reward Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+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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