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    • Checking

      Checking options with debit cards, rewards, and more

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      Credit card options with benefits and no annual fees

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      Several low-risk savings options to fit your future

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      Visa® gift and prepaid cards that act like debit cards

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      Save for your goals, learn better habits, get rewarded

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      Savings with higher dividends than traditional accounts

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      Plan for retirement with Traditional and Roth IRAs

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Current Rates
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Personal Checking & Savings Rates

Checking Accounts

We have two great checking account options, and our Interest Reward Checking offers a competitive dividend rate with a low minimum balance of $200.

See Checking Options

Account Dividend Rate APY*
INTEREST REWARD CHECKING†
Balances of $200–$25,000 0.125%
Dividend Rate
0.125%
APY*
Balance portion greater than $25,000 0.100%
Dividend Rate
0.100%
APY*

Savings Accounts

See Savings Options

Account Dividend Rate APY*
MEMBERSHIP SAVINGS
All balances 0.100%
Dividend Rate
0.100%
APY*
SHARES II SAVINGS
All balances 0.100%
Dividend Rate
0.100%
APY*
WINCENTIVE® SAVINGS ACCOUNT
All balances 0.100%
Dividend Rate
0.100%
APY*
INVESTMENT ACCOUNTS
Traditional, Roth & SEP IRA 0.4999%
Dividend Rate
0.500%
APY*

Money Markets

See Money Market Options

AccountDividend RateAPY*Compound Frequency
SUPERIOR MONEY MARKET1
If requirements are met
Dividend Rate
APY*
Compound Frequency
Balances up to $25,0000.995%
Dividend Rate
1.000%
APY*
Monthly
Compound Frequency
Balances over $25,0000.150%
Dividend Rate
0.150%
APY*
Monthly
Compound Frequency
If requirements are not met
Dividend Rate
APY*
Compound Frequency
All balance tiers0.100%
Dividend Rate
0.100%
APY*
Monthly
Compound Frequency
CAPITOL MONEY MARKET
Balances of $2,000–$4,9990.150%
Dividend Rate
0.150%
APY*
Monthly
Compound Frequency
Balances of $5,000+0.200%
Dividend Rate
0.200%
APY*
Monthly
Compound Frequency
A+ MONEY MARKET
Balances of $10,000+0.250%
Dividend Rate
0.250%
APY*
Monthly
Compound Frequency
NOVA MONEY MARKET
Balances of $25,000+0.349%
Dividend Rate
0.350%
APY*
Monthly
Compound Frequency

Certificates

See Certificate Options

TermDividend RateAPY*
BASIC CERTIFICATES
3 month0.299%
Dividend Rate
0.300%
APY*
6 month0.349%
Dividend Rate
0.350%
APY*
12 month‡0.549%
Dividend Rate
0.550%
APY*
18 month0.648%
Dividend Rate
0.650%
APY*
24 month0.648%
Dividend Rate
0.650%
APY*
30 month0.747%
Dividend Rate
0.750%
APY*
36 month‡0.747%
Dividend Rate
0.750%
APY*
48 month1.045%
Dividend Rate
1.050%
APY*
60 month‡1.243%
Dividend Rate
1.250%
APY*
WAHOO CERTIFICATE
12 month‡0.399%
Dividend Rate
0.400%
APY*
CERTIFICATE BUILDER
12 month‡0.449%
Dividend Rate
0.450%
APY*

Personal Checking & Savings General Rate Disclosures

* APY = Annual Percentage Yield. Fees may reduce the earnings on these accounts and are subject to change at any time. Dividends are compounded monthly. Rules governing these accounts are available upon request. View our Truth-in-Savings Disclosures for important account information.

Rates effective January 1, 2021 and subject to change at any time without notice.

Personal Checking Disclosures

† Balances below $200 do not earn dividends and may incur a minimum balance fee. Any portion greater than $25,000 will earn the Membership Savings rate for balances greater than $500, which is currently 0.100% APY.

Money Market Disclosures

1 To earn the higher dividend rate for the Superior Money Market account, you must have direct deposit of $500 minimum each month (payroll, Social Security or unemployment) to any Affinity Plus checking, savings or money market account and be enrolled in digital statements. If you don't meet these requirements for a month, you'll receive a rate of 0.100% for that month. One Superior Money Market per membership.

Certificate Disclosures

‡ Available as an Individual Retirement Account (IRA) Certificate. IRA Certificate dividends must accrue on the certificate.
Want to see how rates affect your payment?
Use our calculators to simulate payments, compare terms, see how long it'll take to reach your savings goals, and more.

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Affinity Plus Federal Credit Union
Your savings federally insured to at least $250,000 and backed by the full faith a credit of the United States Government. National Credit Union Administration, A U.S. Government Agency.
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