Credit union · NCUA insured
Affinity Federal Credit Union
Top CarrotA $4.4B credit union, the 110th largest of 4,329, headquartered in Basking Ridge, NJ, with 245,563 members and 21 branches in 3 states. Best rates: CDs 5.50% and savings 0.40% APY.
Affinity Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#7 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Affinity Federal Credit Union
- Headquarters
- 73 Mountainview Blvd, Basking Ridge, NJ 07920-3849
- NCUA charter
- 857
Branches
21 branches in 3 states
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New Jersey
16 branches
New York area · 15
- HeadquartersMain office73 Mountainview Blvd, Basking Ridge, NJ 07920Directions
- Bedminster Branch1520 US-206, Bedminster, NJ 07921Directions
- Cedar Knolls Branch235 Ridgedale Ave, Cedar Knolls, NJ 07927Directions
- Quest Diagnostics1 Insights Drive, Clifton, NJ 07012Directions
- Denville Branch25 Pocono Rd, Denville, NJ 07834Directions
- Edison Branch2190 State Route 27, Corner of Vineyard Rd and Rt 27, Edison, NJ 08817Directions
- Elizabeth Branch16 W Grand St, Elizabeth, NJ 07201Directions
- Flemington Branch275 US Highway 202/31 S, Flemington, NJ 08822Directions
- Hillsborough Branch315 US Highway 206, Ste 501, Hillsborough, NJ 08844Directions
- Madison Branch18 Elmer St, Madison, NJ 07940Directions
- Middletown Branch1365 State Route 35, Middletown, NJ 07748Directions
- New Brunswick Branch346 George St, New Brunswick, NJ 08901Directions
- New Providence Branch598 Central Ave, New Providence, NJ 07974Directions
- Piscataway Branch1342 Centennial Ave, Piscataway, NJ 08854Directions
- River Edge Branch913 Kinderkamack Rd, River Edge, NJ 07661Directions
Trenton area · 1
- Lawrenceville Branch138 Franklin Corner Rd, Lawrence Township, NJ 08648Directions
New York
3 branches
- Bardonia Branch35 Bardonia Rd, P.O Box 9157, Bardonia, NY 10954Directions
- Stony Point35 S Liberty Dr, Stony Point, NY 10980Directions
- White Plains Branch423 Tarrytown Rd, Crossroads Shopping Center, White Plains, NY 10607Directions
Connecticut
2 branches
New Haven area · 1
- New Haven Branch55 Whitney Ave, New Haven, CT 06510Directions
Bridgeport area · 1
- Norwalk Branch250 Westport Ave, Norwalk, CT 06851Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.14% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.93% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.21% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $103 | $88 | — |
- CapitalNet worth ratio8.14%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.93%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.21%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$103Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Affinity Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.