Affinity Federal Credit Union High-Yield Savings & Money Market Rates

How Affinity Federal Credit Union’s savings rates compare

Compared with banks and credit unions near New York, NY-NJ, where Affinity Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Affinity Federal Credit Union
3.25%APY
Requires
Monthly account activity
Minimum
$5
Earns on $10,000 a year
$325
Performance Savings
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates

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Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.65%
$10,000 balance$10,0002.65%
$100,000 balance$100,0002.50%
QualifiedQualified2.65%

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.

How the score works →

Where Affinity Federal Credit Union ranks

By savings score, in each area where it has branches

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Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Performance Savings

Up to 3.25%APYRequirements apply$5 to open

Only available to members with a Cash Back Plus or High-Yield Checking account. Limit one per membership. To earn maximum stated rate during each Monthly Qualification Cycle (MQC), must complete at least 12 PIN or signature debit card purchases, receive at least one Direct Deposit or ACH deposit of $250+, and be enrolled in electronic statements. If qualifications are not met, 0.05% APY applies to all balances. $2 paper statement fee waived if enrolled in eStatements.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $250,000Requires qualifying checking account and meeting MQC requirements (12 debit transactions, direct deposit/ACH of $250+, eStatements enrollment). $2 monthly paper statement fee waived with eStatements.	3.25%	$325	Requires qualifying checking account and meeting MQC requirements (12 debit transactions, direct deposit/ACH of $250+, eStatements enrollment). $2 monthly paper statement fee waived with eStatements.
Any balanceBase rate applied to all balances if monthly qualification criteria are not met. $2 monthly paper statement fee waived with eStatements.	0.05%	$5	Base rate applied to all balances if monthly qualification criteria are not met. $2 monthly paper statement fee waived with eStatements.
Over $250,000Rate paid only on the portion of daily balance greater than $250,000 when MQC qualifications are met. Blended APY ranges from 3.25% to 1.88%. $2 monthly paper statement fee waived with eStatements.	0.50%	—	Rate paid only on the portion of daily balance greater than $250,000 when MQC qualifications are met. Blended APY ranges from 3.25% to 1.88%. $2 monthly paper statement fee waived with eStatements.

Sources (2)

All captured Oct 4, 2026

SmartStart Savings

2.65%APY$5 to open

Limit one account per member. Requires Affinity membership. Tiered rate structure paying higher rate on balances up to $10,000 and 0.50% on portion over $10,000. Blended APY ranges from 2.65% to 0.59%. Dividends compounded monthly and credited monthly. No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. Initial opening deposit $5.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Rate applies to daily balance up to $10,000. $2 monthly paper statement fee waived if enrolled in eStatements within 45 days, or for members aged 62+, children aged 17 and under, Savvy Saver, and tenant accounts.	2.65%	$265	Rate applies to daily balance up to $10,000. $2 monthly paper statement fee waived if enrolled in eStatements within 45 days, or for members aged 62+, children aged 17 and under, Savvy Saver, and tenant accounts.
Over $10,000Rate paid only on the portion of daily balance greater than $10,000; blended APY ranges from 2.65% to 0.59% depending on balance. $2 monthly paper statement fee waived if enrolled in eStatements.	0.50%	—	Rate paid only on the portion of daily balance greater than $10,000; blended APY ranges from 2.65% to 0.59% depending on balance. $2 monthly paper statement fee waived if enrolled in eStatements.

Sources (3)

All captured Oct 4, 2026

Affinity High-Yield Savings

0.05%APY$5 to open

Tiered rate paid on entire balance based on average daily balance tier. Dividends compounded daily and credited monthly. $2 monthly paper statement fee waived if enrolled in eStatements within first 45 days of membership or for qualifying members. Initial opening deposit $5.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000Rate paid on entire balance if average daily balance is less than $100,000. $2 monthly paper statement fee waived if enrolled in eStatements.	0.05%	$5	Rate paid on entire balance if average daily balance is less than $100,000. $2 monthly paper statement fee waived if enrolled in eStatements.
$100,000 and upRate paid on entire balance if average daily balance is $100,000 or more. $2 monthly paper statement fee waived if enrolled in eStatements.	2.50%	—	Rate paid on entire balance if average daily balance is $100,000 or more. $2 monthly paper statement fee waived if enrolled in eStatements.

Sources (2)

All captured Oct 4, 2026

MoreSavings

0.40%APY$5 to open

Tiered savings account with four balance tiers earning dividends based on daily balance. Dividends compounded daily and credited monthly. $5 minimum opening deposit. No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.	0.40%	$40	No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.
$25,000 – $100,000No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.	0.55%	—	No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.
$100,000 – $250,000No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.	1.00%	—	No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.
Over $250,000No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.	1.50%	—	No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.

Sources (2)

All captured Oct 4, 2026

Special-purpose accounts

Revolution Save

0.25%APYKids and teens

For young adult members aged 17-24; automatically awards member with EvenMore status in the Affinity More Program. Account converts to Regular Savings on the member's 25th birthday. Dividends compounded daily and credited monthly. Daily balance method. No minimum opening deposit or balance requirement.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Earns 1.25% APY on all balances between $0 - $2,500. No minimum opening deposit or balance requirement.	1.25%	—	Earns 1.25% APY on all balances between $0 - $2,500. No minimum opening deposit or balance requirement.
Over $2,500Balances of $2,500.01 and above earn 0.25% APY. No minimum opening deposit or balance requirement.	0.25%	$25	Balances of $2,500.01 and above earn 0.25% APY. No minimum opening deposit or balance requirement.

Sources (2)

All captured Oct 4, 2026

IRA Money Manager

0.15%APYIRA

Available as a Traditional or Roth IRA savings account. Dividends compounded daily and credited monthly. No monthly maintenance fee when enrolled in eStatements; otherwise $2 monthly paper statement fee applies (waived for members 62+). No minimum deposit or balance requirements.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).	0.15%	—	$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).
$500 – $20,000$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).	0.15%	$15	$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).
$20,000 – $35,000$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).	0.25%	—	$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).
$35,000 – $50,000$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).	0.35%	—	$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).
$50,000 and up$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).	0.55%	—	$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+).

Sources (2)

All captured Oct 4, 2026

Health Savings

0.25%APYHSA

Health Savings Account (HSA). Dividends compounded daily and credited monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.25%	$25

Sources (2)

All captured Oct 4, 2026

IRA Accumulator

0.15%APYIRA

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+). No minimum deposit or balance requirement.Any balance	0.15%	$15	$0 monthly fee with eStatements; $2 monthly paper statement fee if not enrolled (waived for members 62+). No minimum deposit or balance requirement.

Sources (2)

All captured Oct 4, 2026

Savvy Saver

0.05%APYKids and teens

For youth members ages 1-12 (or 0-12). Account converts to Regular Savings on the member's 13th birthday. Dividends compounded daily and credited monthly. Paper statement fee is waived. No minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Paper statement fee waived for Savvy Saver accounts. No minimum opening deposit or balance requirement.Over $0	0.05%	$5	Paper statement fee waived for Savvy Saver accounts. No minimum opening deposit or balance requirement.

Sources (3)

All captured Oct 4, 2026

Teen Savings

0.05%APYKids and teens

For youth members aged 13-16. Account converts to Revolution Save at the owner's 17th birthday. Dividends compounded daily and credited monthly. Paper statement fee waived for children aged 17 and under. No minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Paper statement fee waived for members aged 17 and under. No minimum opening deposit or balance requirement.Over $0	0.05%	$5	Paper statement fee waived for members aged 17 and under. No minimum opening deposit or balance requirement.

Sources (3)

All captured Oct 4, 2026

Who can join Affinity Federal Credit Union

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← Affinity Federal Credit Union overview

How Affinity Federal Credit Union’s savings rates compare

Affinity Federal Credit Union savings score

Current savings rates

Performance Savings

SmartStart Savings

Affinity High-Yield Savings

MoreSavings

Special-purpose accounts

Revolution Save

IRA Money Manager

Health Savings

IRA Accumulator

Savvy Saver

Teen Savings

Who can join Affinity Federal Credit Union