Affinity Credit Union

Basking Ridge, New Jersey
Last verified: August 3, 2026
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Verified rate book

Current Affinity Credit Union rates

53 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

7 offers
Affinity Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.370% APR6.125%—Standard
15-Year Fixed15 year fixed5.901% APR5.500%—Standard
10-Year Fixed10 year fixed5.943% APR5.375%—Standard
20-Year Fixed20 year fixed6.070% APR5.750%—Standard
5/6 ARM5 1 arm6.488% APR5.875%—Standard
7/6 ARM7 1 arm6.528% APR6.125%—Standard
3/6 ARM3 1 arm6.562% APR5.750%—Standard

Auto & vehicle rates

19 offers
Affinity Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.940% APR4.940%—Standard
36-Month New Auto Loan (2025 and Newer)auto_new_36mo4.940% APR4.940%36 mo · newStandard
48-Month New Auto Loan (2025 and Newer)auto_new_48mo5.090% APR5.090%48 mo · newStandard
36-Month Used Auto Loanauto_used_36mo5.200% APR5.200%36 mo · usedStandard
60-Month Auto Loanauto_any_60mo5.290% APR5.290%60 moStandard
60-Month New Auto Loan (2025 and Newer)auto_new_60mo5.290% APR5.290%60 mo · newStandard
48-Month Used Auto Loanauto_used_48mo5.350% APR5.350%48 mo · usedStandard
72-Month New Auto Loan (2025 and Newer)auto_new_72mo5.540% APR5.540%72 mo · newStandard
60-Month Used Auto Loanauto_used_60mo5.550% APR5.550%60 mo · usedStandard
72-Month Used Auto Loanauto_used_72mo5.800% APR5.800%72 mo · usedStandard
84-Month New Auto Loan (2025 and Newer)auto_new_84mo5.840% APR5.840%84 mo · newStandard
84-Month Used Auto Loanauto_used_84mo6.100% APR6.100%84 mo · usedStandard
96-Month New Auto Loan (2025 and Newer)auto_new_96mo6.620% APR6.620%96 mo · newStandard
36-Month Motorcycle Loanmotorcycle_any_36mo6.640% APR6.640%36 moStandard
60-Month Motorcycle Loanmotorcycle_any_60mo7.140% APR7.140%60 moStandard
Older Model Used Autoauto_used_36mo7.200% APR7.200%36 mo · usedStandard
Older Model Used Autoauto_used_48mo7.350% APR7.350%48 mo · usedStandard
Older Model Used Autoauto_used_60mo7.550% APR7.550%60 mo · usedStandard
72-Month Motorcycle Loanmotorcycle_any_72mo7.640% APR7.640%72 moStandard

HELOC rates

2 offers
Affinity Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable) — Intro Rateheloc_variable4.990% APR4.990%—Introductory offer
HELOC (Variable)heloc_variable6.630% APR6.630%—Standard

Personal loan rates

5 offers
Affinity Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Unsecured Personal Loanpersonal_unsecured_36mo11.750% APR11.750%36 moStandard
36-Month Debt Consolidation Loanpersonal_unsecured_36mo12.750% APR12.750%36 moStandard
95-Month Debt Consolidation Loanpersonal_unsecured_95mo13.000% APR13.000%95 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo13.000% APR13.000%60 moStandard
96-Month Debt Consolidation Loanpersonal_unsecured_96mo13.250% APR13.250%96 moStandard

Student loan rates

1 offer
Affinity Credit Union student loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Student Loan Consolidation Programstudent4.990% APR4.990%—Standard

Credit card rates

1 offer
Affinity Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card12.100% APR12.100%—Standard

Savings & CD rates

18 offers
Affinity Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
14-Month Promotional Certificatecd_14mo0.21% APY0.21%14 moStandard
22-Month Promotional Certificatecd_22mo2.80% APY2.80%22 moStandard
22-Month Promotional Certificatecd_22mo2.80% APY2.80%22 moStandard
22-Month Promotional Certificatecd_22mo2.90% APY2.90%22 moStandard
22-Month Promotional Certificatecd_22mo3.00% APY3.00%22 moStandard
Performance Savingssavings3.25% APY3.25%—Standard
14-Month Promotional Certificatecd_14mo3.35% APY3.35%14 moStandard
14-Month Promotional IRA Certificateira_cd_14mo3.35% APY3.35%14 moStandard
14-Month Promotional Certificatecd_14mo3.45% APY3.45%14 moStandard
14-Month Promotional IRA Certificateira_cd_14mo3.45% APY3.45%14 moStandard
14-Month Promotional Certificatecd_14mo3.55% APY3.55%14 moStandard
14-Month Promotional IRA Certificateira_cd_14mo3.55% APY3.55%14 moStandard
8-Month Promotional IRA Certificateira_cd_8mo3.80% APY3.80%8 moStandard
Certificatecd3.80% APY3.80%—Standard
8-Month Promotional Certificatecd_8mo3.80% APY3.80%8 moStandard
8-Month Promotional Certificatecd_8mo3.80% APY3.80%8 moStandard
14-Month Promotional Certificate (New Money)cd_14mo5.50% APY5.50%14 moStandard
8-Month Promotional Certificate (New Money)cd_8mo5.50% APY5.50%8 moStandard

As of August 3, 2026, Affinity Credit Union offers a 30-year fixed mortgage at 6.37% APR. Vehicle loans available from 4.94% APR. HELOC rates from 6.63% APR. Personal loan rates from 11.75% APR. Credit card rates from 12.1% APR. Savings and certificate yields up to 5.50% APY.

Source: RateAPI.dev, verified from Affinity Credit Union's official website

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About Affinity Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
245.6K
Assets
$4.4B
Founded
1935
Locations reported
22
NCUA charter
857
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships
  • Credit-builder products
  • Payday Alternative Loans I
  • Payday Alternative Loans II

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Vah Lyons EmployeesVAH Lyons Employees FCU · Lyons · NJ · 07939About 1.0 miles awayCounty ExcellenceCounty Excellence FCU Br2 · Martinsville · NJ · 08836-2031About 5.9 miles awayMid-StateFiserv/Portico · Berkeley Heights · NJ · 07922About 6.7 miles awayFinancial ResourcesFinancial Resources FCU- Green Brook Branch · Green Brook · NJ · 08812About 7.0 miles awayAtlantic Health EmployeesMMH Branch · Morristown · NJ · 07960About 7.2 miles awayAdvanced FinancialNew Providence · NEW PROVIDENCE · NJ · 07974About 7.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Affinity Credit Union

Membership eligibility from Affinity Credit Union's own published criteria. How we verify this.

Membership criteria are published on Affinity Credit Union's website. Check the membership page below to confirm whether you qualify.

Cost to join: About $5.

Verified from Affinity Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Affinity Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Affinity Credit Union ranks against New Jersey peers.

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Frequently Asked Questions

What rates does Affinity Credit Union offer?

Affinity Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Affinity Credit Union rates updated?

RateAPI verifies Affinity Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Affinity Credit Union's rate data?

Rate data is collected directly from Affinity Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Affinity Credit Union's mortgage rate?

As of August 3, 2026, Affinity Credit Union offers a 30-year fixed mortgage at 6.37% APR.

What are Affinity Credit Union's auto & motorcycle loan rates?

As of August 3, 2026, Affinity Credit Union offers vehicle loans from 4.94% APR.

What is Affinity Credit Union's HELOC rate?

As of August 3, 2026, Affinity Credit Union offers home equity lines of credit from 6.63% APR.

What is Affinity Credit Union's personal loan rate?

As of August 3, 2026, Affinity Credit Union offers personal loans from 11.75% APR.

What is Affinity Credit Union's best CD rate?

As of August 3, 2026, Affinity Credit Union offers savings and certificate (CD) yields up to 5.50% APY.

Related Rate Data

Compare Affinity Credit Union's rates against national credit-union benchmarks.

More New Jersey credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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Track Affinity Credit Union rates

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# Get rates for Affinity Credit Union
curl "https://api.rateapi.dev/credit-unions/new-jersey/affinity" \
  -H "Authorization: Bearer YOUR_API_KEY"
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