Every posted Affinity rate in one place.
Loan rates
Auto & Truck Loan rates as low as 4.99% APR* + $200 cash to refinance with us! Apply online
Platinum MasterCard® rate as low as 11.90% APR*. Apply online
Home Equity Loan rates as low as 5.99% APR* Apply online
HELOC (Home Equity Line of Credit) variable with prime rate Apply online
Mortgage rates as low as 7.131% APR* Apply online
Personal/Unsecured Loan rates as low as 10.99% APR* Apply online
RV Loan Special: rates as low as 7.49% APR for up to 144 months* Apply online
AUTOS/MOTORCYCLES
| Model Year | Term | APR as low as* |
| 2024 & newer | 36 months | 4.99% |
| 48 months | 4.99% | |
| 60 months | 5.09% | |
| 72 months | 5.24% | |
| 84 months | 5.54% | |
| For loan amounts greater than $70,000 | 96 months** | 6.54% |
| 2023 & 2022 | 36 months | 5.24% |
| 48 months | 5.24% | |
| 60 months | 5.24% | |
| 72 months | 5.49% | |
| 84 months | 5.79% | |
| 2021 & 2020 | 36 months | 5.34% |
| 48 months | 5.34% | |
| 60 months | 5.64% | |
| 72 months | 5.94% | |
| 2019 - 2016 | 36 months | 5.89% |
| 48 months | 6.14% | |
| 60 months | 6.39% | |
| 2015 & older | 36 months | 9.09% |
| 48 months | 9.59% |
OTHER SECURED (TRAILERS, ATVs, ETC...)
| Term | APR as low as* |
| 12 months | 8.50% |
| 24 months | 8.75% |
| 36 months | 9.00% |
| 48 months | 9.50% |
| 60 months | 10.00% |
RV/MARINE
| Model Year | Amount | Term | APR as low as* |
| 2024 & newer | up to 84 months | 7.49% | |
| >$25,000 | up to 120 months | 8.24% | |
| >$40,000 | up to 180 months | 8.49% | |
| 2019 - 2023 | up to 72 months | 8.24% | |
| >$25,000 | up to 96 months | 8.99% | |
| 2016 - 2018 | up to 60 months | 8.49% |
HOME EQUITY & HELOC
| Type | Term | APR as low as* |
| Fixed | 5 years | 5.99% |
| Fixed | 10 years | 6.49% |
| Fixed | 15 years | 6.99% |
| Line of Credit | up to 15 years | variable (prime) |
MORTGAGE RATES
Your situation is unique, and we’ll take the time to learn your story to understand your individual needs. Our mortgage experts will work with you to determine what you can comfortably afford, given your preferences and income abilities.
We also offer free home loan consultations & a convenient online application.
| Term | Rate | APR (as low as) |
| 15 years | 6.750% | 7.131% |
| 30 years | 7.000% | 7.237% |
Rates effective 10/16/2026. Rates shown have no origination fee or lender credit. APR = Annual Percentage Rate. The APR is based on a $200,000 loan amount. All rates are for single-family owner-occupied purchases or rate/term refinances with escrows. Rates based on 780 credit score, 75% loan to value, 45-day rate lock. Actual rates may vary based on credit history, loan-to-value (LTV) ratio, occupancy, and other underwriting factors. All loans are subject to approval. Rates are subject to change without notice. Affinity Credit Union is not responsible for typographical errors or omissions. Other loan terms may be available, please contact our mortgage department. Affinity Credit Union NMLS ID# 474043.
PERSONAL/UNSECURED
| Type | Term | APR as low as* |
| Signature | Up to 60 months | 10.99% |
| Line of Credit | Up to 60 months | 10.99% |
SAVINGS SECURED
Borrow against money in your Affinity savings. Your savings secures the loan, which keeps the rate low, and every on-time payment helps you build or rebuild your credit.
| Type | Term | APR* |
| Savings-Secured Loan | Up to 36 months | 2% above deposit APY** |
CREDIT CARD
| Type | APR* |
| Platinum MasterCard® | 11.90% fixed rate |
| *Annual Percentage Rate. Qualified credit. Restrictions may apply. Cardholder Agreement |
The rates and terms shown are the best available. Terms may vary based on vehicle value.
*AUTO LOANS - Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $29.97 per month for every $1000 borrowed at 4.99% APR on a 36-month term. Loan amount must be $10,000 or greater to qualify for $200 incentive. Offer not valid on internal refinances. There are no fees associated with refinancing an auto loan from another institution to Affinity Credit Union.
*CLASSIC AUTO/TRAILERS/TRACTORS/SEMIS - *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $87.22 per month for every $1000 borrowed at 8.50% APR on a 12-month term.
*RV/MARINE - *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $14.03 per month for every $1000 borrowed at 7.49% APR on a 97-month term. Minimum $20,000 loan amount to qualify for as low as rate.
*HOME EQUITY/HELOC - *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $19.44 per month for every $1000 borrowed at 6.24% APR on a 5-year term. Property insurance is required. Max CLTV offered is 100%. Rates will adjust to the prime lending rate based on a risk-based model. Floor rate of 4.00% APR and ceiling rate of 18.00% APR.
*PERSONAL/UNSECURED - *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $21.74 per month for every $1000 borrowed at 10.99% APR on a 60-month term. The minimum monthly payment is $75.
*SAVINGS SECURED - *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $28.66 per month for every $1000 borrowed at 2.05% APR on a 36-month term.**Annual Percentage Yield.
** Subject to minimum credit score. Minimum loan amount $60,000.
Rates effective 5/27/2026. Subject to change without notice.
Savings, checking & money market rates
Personal & Youth Savings
| Minimum* | Dividend Rate | APY* |
| $100 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $24,999.99 | 0.07% | 0.07% |
| $25,000 and over | 0.10% | 0.10% |
| $5 minimum to open account $1 minimum to open additional sub-accounts Minimum Average Daily Balance to earn APY* |
eGreen Rewards Checking
| Minimum* | Qualified Dividend Rate | Qualified APY* |
| $0.01 - $24,999.99 | 3.00% | 3.04% |
| $25,000 and over | 0.50% | 0.50% |
| $100 minimum to open account Minimum Average Daily Balance to earn APY* |
Money Market
| Minimum* | Dividend Rate | APY* |
| $5,000 - $24,999.99 | 1.00% | 1.00% |
| $25,000 - $99,999.99 | 1.75% | 1.76% |
| $100,000 - $249,999.99 | 2.50% | 2.53% |
| $250,000 and over | 3.00% | 3.04% |
| Average Daily Balance* |
*Annual Percentage Yield - The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. APY is accurate as of the last dividend declaration date. APY is accurate as of October 1, 2022. Rates may change after the account is opened. Rates may change after the account was opened. Any fees imposed on this account may reduce the earnings on the account. The minimum balance listed is required to earn the stated APY.
eGreen Rewards Checking - account requirements must be met each month to earn dividend rate. Unqualified dividend rate is 0.00%.
Rates as of 03/01/2023. Subject to change without notice.
Certificate (CD) rates
Certificate (CD) rates
Rates as of 10/21/2026 and are subject to change without notice.
Certificates: $10,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 9 month special** | 4.50% | 4.58% |
| 12 month | 4.00% | 4.06% |
| 18 month | 3.75% | 3.80% |
| 24 month | 3.50% | 3.55% |
| 36 month2 | 3.25% | 3.25% |
Certificates and IRA certificates: $1,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 12 month | 1.25% | 1.26% |
| 18 month | 1.25% | 1.26% |
| 24 month | 1.75% | 1.76% |
| 36 month2 | 1.75% | 1.75% |
IRA certificates: $25,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 12 month | 1.75% | 1.76% |
| 18 month | 2.00% | 2.02% |
| 24 month | 2.50% | 2.52% |
| 36 month2 | 2.50% | 2.50% |
*Annual Percentage Yield. APY is accurate as of the last dividend declaration date. The dividend rate and APY are set forth above. Dividends are compounded quarterly. Rates are subject to change daily. The dividend rate and APY are fixed and will be in effect for the term of the account. Penalty may be imposed for early withdrawal. Any fees imposed on this account may reduce the earnings on the account. The minimum balance listed is required to earn the stated APY.
** CD special will roll into a 12-month regular certificate upon maturity. Limited time availability. Rates subject to change without notice.
2Dividends are compounded yearly.
IRA rates
Roth IRA
| Minimum** | Dividend Rate | APY* |
| $100 - $4,999.99 | 0.05% | 0.05% |
| $5,000 - $9,999.99 | 0.07% | 0.07% |
| $10,000 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $99,999.99 | 0.50% | 0.50% |
| $100,000 and over | 1.00% | 1.00% |
Coverdell Education Savings
| Minimum** | Dividend Rate | APY* |
| $100 - $4,999.99 | 0.05% | 0.05% |
| $5,000 - $9,999.99 | 0.07% | 0.07% |
| $10,000 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $99,999.99 | 0.50% | 0.50% |
| $100,000 and over | 1.00% | 1.00% |
IRA Share
| Minimum** | Dividend Rate | APY* |
| $100 - $4,999.99 | 0.05% | 0.05% |
| $5,000 - $9,999.99 | 0.07% | 0.07% |
| $10,000 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $99,999.99 | 0.50% | 0.50% |
| $100,000 and over | 1.00% | 1.00% |
*Annual Percentage Yield. The dividend rate and APY are set forth above. APY is effective as of July 1, 2022. Rates are subject to change daily. The dividend rate and APY are fixed and will be in effect for the term of the account. Fees may reduce any earnings on the account. Penalty may be imposed for early withdrawal.
**Dividends are compounded monthly.