Credit union · NCUA insured
Affinity One Federal Credit Union Savings Rates
Affinity One Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Affinity One Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Jamestown, NY, where Affinity One Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Affinity One Federal Credit Union
0.25%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Greater Chautauqua Federal Credit Union
3.39%APY
- Minimum
- $25
- Earns on $10,000 a year
- $339
Affinity One Federal Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 One Federal 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.
Money Market Account
0.25%APY
Minimum opening deposit of $1,000. Transfer money up to 6 times per month. Proof of membership eligibility, two forms of valid ID, and opening deposit required; applications completed in person at a branch.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum deposit of $1,000. | 0.13% | — | Minimum deposit of $1,000. |
| $1,000 – $10,000Minimum deposit of $1,000. | 0.15% | — | Minimum deposit of $1,000. |
| $10,000 – $25,000Minimum deposit of $1,000. | 0.25% | $25 | Minimum deposit of $1,000. |
| $25,000 and upMinimum deposit of $1,000. | 0.25% | — | Minimum deposit of $1,000. |
Sources (2)
All captured Sep 17, 2026
Subshare Savings
0.05%APY
Requires Primary Savings membership share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubshares earn the standard share rate. Dividends are compounded and credited monthly.Any balance | 0.05% | $5 | Subshares earn the standard share rate. Dividends are compounded and credited monthly. |
Special-purpose accounts
Holiday Club
0.25%APY
Dedicated club savings account that automatically transfers balance plus dividends to Primary Savings on November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to maintain. Withdrawals before the November 1 payout may be restricted. Dividends are compounded and credited monthly.Any balance | 0.25% | $25 | No minimum balance to maintain. Withdrawals before the November 1 payout may be restricted. Dividends are compounded and credited monthly. |
Who can join Affinity One Federal Credit Union
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.
Membership information collected October 5, 2026.