Credit union · NCUA insured
Affinity One Federal Credit Union
A $45.6M credit union headquartered in Jamestown, NY, with 3,258 members and 2 branches in New York. Best rates: CDs 3.00% and savings 0.25% APY.
Affinity One Federal Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#6 of 14 in Jamestown, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Affinity One Federal Credit Union
Affinity One Federal Credit Union is a member-owned financial cooperative serving Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, and Poland.
- Headquarters
- 545 E 2nd St, Jamestown, NY 14701
- NCUA charter
- 5785
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in the credit union's service area (Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, Poland) are eligible for membership.
Employers and groups
- Businesses and other legal entities located in the credit union's service area (Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, Poland) are eligible for membership.
Family and household
- Immediate family members (defined as husband, wife, mother, father, brother, sister, child, stepchild, grandchild, and grandparent) of someone from a qualifying group are eligible for membership.
Cost to join
- Opening a membership or account requires a $25 minimum opening deposit.
Branches
2 branches in New York
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New York
2 branches
- Affinity One Federal Credit UnionMain office545 E 2nd St, Jamestown, NY 14701Directions
- Affinity One FCU - Lakewood Branch10 Sessions Ave, Lakewood, NY 14750Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.81% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.12% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.25% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio10.81%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.12%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 One 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.