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  Affinity Plus Federal Credit Union Membership Savings Account

Affinity Plus Federal Credit Union Membership Savings Account

in Savings Accounts from Affinity Plus Federal Credit Union · ncua

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Affinity Plus Federal Credit Union Membership Savings Account

Unaffiliated

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

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Highlights
Monthly Fee $0
APY (Annual Percentage Yield) 0.1%
APY Minimum Balance N/A

Affinity Plus Federal Credit Union Membership Savings Account Review

Affinity Plus Federal Credit Union Membership Savings Account 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 Membership Savings Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. Affinity Plus Federal Credit Union Membership Savings Account has an annual percentage yield of up to 0.1%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Small minimum initial deposit. You only need $10 to open an account.
  • No ATM fees. Affinity Plus Federal Credit Union Membership Savings Account does not charge fees on ATM transactions.
Affinity Plus savings account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
Affinity Plus savings account FAQ

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

Yes, your Affinity Plus Federal Credit Union savings 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.

Does Affinity Plus Federal Credit Union offer a signup bonus?

Affinity Plus savings account doesn't offer a signup bonus.

What is the minimum initial deposit for Affinity Plus savings account?

The minimum deposit to open a Affinity Plus savings account is $10.
Affinity Plus Federal Credit Union Membership Savings Account Minimums
Description
Minimum Opening Deposit Starting at $10
Minimum Required Balance $10

What APY does Affinity Plus Federal Credit Union offer?

Affinity Plus savings account offers an APY of 0.1% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does Affinity Plus savings account charge?

Affinity Plus savings account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

  • Outgoing domestic bank transfers come with a $15 fee.
  • Incoming domestic bank transfers come with a $10 fee.
  • Outgoing international bank transfers come with a $40 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $10 fee.

What features and perks does Affinity Plus savings account offer?

This savings account includes the following features:

  • Fraud monitoring - Affinity Plus savings account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
  • Mobile Banking Services - Affinity Plus savings 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.

Can you set up a direct deposit to Affinity Plus savings account?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

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

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

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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 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $10
Minimum Required Balance $10
Monthly Fee $0
Returned Deposit Fee (Domestic) $35
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $40
Bauer Financial A+/A Rating
Account Features
  • No ATM Fees
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Automatic Transfers
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.1%

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