Credit union · NCUA insured
Affinity Plus
A $5B credit union, the 89th largest of 4,329, headquartered in St. Paul, MN, with 298,790 members and 34 branches in Minnesota. Best rates: CDs 4.50% and savings 2.50% APY.
Affinity Plus Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#35 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Affinity Plus
Founded in April 1930 by Minnesota state employees to serve consumers as equal-share members, Affinity Plus Federal Credit Union is a member-owned, not-for-profit financial institution.
Originally known as State Capitol Credit Union prior to 1999, the credit union is committed to building stronger communities across Minnesota.
- Headquarters
- 175 W Lafayette Frontage Rd, St. Paul, MN 55107-1420
- NCUA charter
- 24362
Branches
34 branches in Minnesota
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Minnesota
34 branches
Minneapolis area · 14
- Saint Paul - LafayetteMain office175 W Lafayette Frontage Rd, St. Paul, MN 55107Directions
- Cambridge1990 2nd Ave SE, Cambridge, MN 55008Directions
- Coon Rapids13025 Riverdale Dr NW Ste 100, Coon Rapids, MN 55448Directions
- Eagan Branch1642 Diffley Rd, Eagan, MN 55122Directions
- Hastings1731 N Frontage Rd, Hastings, MN 55033Directions
- Hopkins1118 Mainstreet Ste 2, Hopkins, MN 55343Directions
- Lake Elmo9931 Hudson Blvd N, Lake Elmo, MN 55042Directions
- Lakeville17555 Kenwood Trl, Lakeville, MN 55044Directions
- Minneapolis - University2520 University Ave SE, Minneapolis, MN 55414Directions
- New Hope4231 Winnetka Ave N, New Hope, MN 55428Directions
- Richfield7610 Lyndale Ave S, Suite 800, Richfield, MN 55423Directions
- Roseville2750 Snelling Ave N, Roseville, MN 55113Directions
- Shakopee1714 Crossings Blvd, Shakopee, MN 55379Directions
- Saint Paul - Midway1315 University Ave W, St. Paul, MN 55104Directions
Bemidji area · 2
- Bemidji - BSU Campus1500 Birchmont Dr NE Ste 45, Bemidji, MN 56601Directions
- Bemidji - Hannah Ave2800 Hannah Ave NW, Bemidji, MN 56601Directions
Duluth area · 2
- Duluth1820 Maple Grove Rd, Duluth, MN 55811Directions
- Virginia1460 S 12th Ave, Virginia, MN 55792Directions
Mankato area · 2
- Mankato Campus114 Centennial Student Un, Mankato, MN 56001Directions
- Mankato Community1600 Madison Ave Ste 101A, Mankato, MN 56001Directions
Fargo area · 2
- Moorhead403 8th St S Ste B, Moorhead, MN 56560Directions
- Moorhead Campus615 14th St S, Moorhead, MN 56563Directions
St. Cloud area · 2
- Saint Cloud Campus720 4th Ave S, A164 Atwood Memorial Center, St. Cloud, MN 56301Directions
- St. Cloud - Heritage Market2835 W Saint Germain St Ste 100, St. Cloud, MN 56301Directions
Winona area · 2
- Winona120 E 2nd St, Winona, MN 55987Directions
- Winona State Campus250 W Howard St, Ste 118, Winona, MN 55987Directions
Albert Lea area · 1
- Albert Lea1719 W Main St, Albert Lea, MN 56007Directions
Alexandria area · 1
- Alexandria418 3rd Ave E Ste 108, Alexandria, MN 56308Directions
Brainerd area · 1
- Brainerd Lakes15524 Edgewood Dr, Baxter, MN 56401Directions
Faribault area · 1
- Faribault900 4th St NW Ste 102, Suite 102, Faribault, MN 55021Directions
Fergus Falls area · 1
- Fergus Falls410 W Lincoln Ave, Fergus Falls, MN 56537Directions
Grand Rapids area · 1
- Grand Rapids Community2120 SE 2nd Ave, Grand Rapids, MN 55744Directions
Mahnomen area · 1
- Mahnomen Branch341 US Highway 59 Ste 2, Mahnomen, MN 56557Directions
Rochester area · 1
- Rochester3482 55th St NW, Rochester, MN 55901Directions
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 | 8.78% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.57% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.20% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio8.78%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.57%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.20%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ 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 Plus are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.