Credit union · NCUA insured
Affinity Credit Union Savings Rates
Affinity Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Affinity Credit Union’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Affinity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Affinity Credit Union
1.00%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $100
Money Market
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Affinity Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.53%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Affinity Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Building Better Savings – High Yield
4.00%APY
Limit one account per membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 4.00% | — |
Sources (2)
All captured Sep 18, 2026
Money Market
1.00%APY
Residency or work in Polk, Boone, Story, Marshall, Dallas, Jasper, Madison, Warren, Marion, Adams, Union, Page, Taylor, or Ringgold counties required. Must maintain tier balance to earn APY. Rates subject to change after opening. $5 minimum savings account required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Maintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly. | 1.00% | $100 | Maintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly. |
| $25,000 – $100,000Maintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly. | 1.76% | — | Maintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly. |
| $100,000 – $250,000Maintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly. | 2.53% | — | Maintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly. |
| $250,000 and upMaintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly. | 3.04% | — | Maintain minimum balance for this tier to earn stated APY. Dividends credited and compounded monthly. |
Sources (2)
- affinitycuia.org/personal-accounts/money-market
- affinitycuia.org/rates/savings-checking-and-money-market
All captured Sep 18, 2026
Special-purpose accounts
Coverdell Education Savings
0.10%APY
Non-deductible account which features tax-free withdrawals for a child's higher education expenses. Contributions cannot be made after child turns 18. Dividends are compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Dividends compounded monthly. | 0.05% | — | Dividends compounded monthly. |
| $5,000 – $10,000Dividends compounded monthly. | 0.07% | — | Dividends compounded monthly. |
| $10,000 – $25,000Dividends compounded monthly. | 0.10% | $10 | Dividends compounded monthly. |
| $25,000 – $100,000Dividends compounded monthly. | 0.50% | — | Dividends compounded monthly. |
| $100,000 and upDividends compounded monthly. | 1.00% | — | Dividends compounded monthly. |
Sources (2)
All captured Sep 18, 2026
IRA Share
0.10%APY
Dividends are compounded monthly. Early withdrawals subject to penalties/taxes.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Dividends compounded monthly. | 0.05% | — | Dividends compounded monthly. |
| $5,000 – $10,000Dividends compounded monthly. | 0.07% | — | Dividends compounded monthly. |
| $10,000 – $25,000Dividends compounded monthly. | 0.10% | $10 | Dividends compounded monthly. |
| $25,000 – $100,000Dividends compounded monthly. | 0.50% | — | Dividends compounded monthly. |
| $100,000 and upDividends compounded monthly. | 1.00% | — | Dividends compounded monthly. |
Sources (2)
All captured Sep 18, 2026
Roth IRA
0.10%APY
Dividends are compounded monthly. Early withdrawals subject to penalties/taxes.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Dividends compounded monthly. | 0.05% | — | Dividends compounded monthly. |
| $5,000 – $10,000Dividends compounded monthly. | 0.07% | — | Dividends compounded monthly. |
| $10,000 – $25,000Dividends compounded monthly. | 0.10% | $10 | Dividends compounded monthly. |
| $25,000 – $100,000Dividends compounded monthly. | 0.50% | — | Dividends compounded monthly. |
| $100,000 and upDividends compounded monthly. | 1.00% | — | Dividends compounded monthly. |
Sources (2)
All captured Sep 18, 2026
Personal & Youth Savings
0.07%APY
Minimum average daily balance to earn APY. $5 minimum to open account; $1 minimum to open additional sub-accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.07% | $7 |
| $25,000 and up | 0.10% | — |
Sources (2)
- affinitycuia.org/rates/savings-checking-and-money-market
- affinitycuia.org/personal-accounts/schedule-of-fees
All captured Sep 18, 2026
Who can join Affinity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Polk, Boone, Story, Marshall, Dallas, Jasper, Madison, Warren, Marion, Adams, Union, Page, Taylor, or Ringgold counties.
Employers and groups
- Eligibility is open to employees of Affinity Credit Union's Select Employee Groups.
Family and household
- Eligibility is open to individuals who have a family member who is an existing member of Affinity Credit Union.
Membership information collected October 4, 2026.