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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

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
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) 0.100% - 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
  • Higher than average APY. Affinity Plus Federal Credit Union 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.
  • No ATM fees. Affinity Plus Federal Credit Union 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
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • 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 Plus checking account 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 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 checking account Account Minimums
Description Amount
Minimum Opening Deposit $0
APY Minimum Balance $200
Minimum Balance to Avoid Monthly Service Fee $200

What fees does Affinity Plus checking account charge?

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

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

Does Affinity Plus checking account charge overdraft fees?

Yes, Affinity Plus checking account charges a $33 fee for every overdraft.

Affinity Plus checking account offers 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.

How do people rate the customer service and user experience of Affinity Plus checking account?

Overall, Affinity Plus checking account is strongly recommended based on community reviews that rate customer service and user experience.

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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 Opening Deposit Starting at $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
  • 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
  • NCUA Member
APY (Annual Percentage Yield) 0.100% - 0.125%

Affinity Plus Federal Credit Union 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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