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AffinityPlus Credit Union review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Affinity Plus Federal Credit Union lends directly to members in its US service area, offering personal loans at an APR of 7.24% to 18% and a savings account with no monthly fee. It suits people who live, work or study in the service area and want a member lender rather than a broker.

Key facts

Best for
Fixed rate personal loans with a credit line, plus savings with no monthly fee, for members in the US service area.
APR
7.24% to 18%↗
Loan amount
$1,000 to $40,000↗
Term
36 to 60 months↗
Credit check
Hard↗
Representative example
Personal Unsecured: $30.99 per $1,000 borrowed over 36 months at 7.24% APR↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
US citizens and permanent residents over 18 who meet the common bond of living, working or attending school in the service area↗
Loan types
Personal, Debt-consolidation, Credit-line, Secured↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
Affinity Plus Federal Credit Union↗
Headquarters
United States↗
Founded
1930↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
affinityplus.org

Credit cards

Annual fee
$0↗
Currency conversion fee
0%↗
Rewards type
Points↗
Rewards rate
MyPlus Rewards points↗
Balance transfer fee
0%↗
Perks
Visa Signature benefits↗
Card kind
Credit↗

Savings

Headline rate
0.1%↗
Minimum deposit
$10↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
No required term; $10 membership share required, access by scheduled or immediate transfers in mobile and online banking↗
Monthly fee
$0↗
Account kind
Easy access↗

Mortgages

Initial rate
7.375%↗
APRC
7.516%↗
Fixed period
30 years↗
Maximum loan to value
97%↗
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let, Home-equity↗

Debit cards

Card type
Debit↗
Card network
Visa↗

Facts checked September 26, 2026, 13 sources

Apps and profiles

Get the app
Google Play
Elsewhere
X

Pros and cons

Pros

  • A direct lender, not a broker: personal, debt consolidation, credit line and secured loans of $1,000 to $40,000 over 36 to 60 at a fixed rate
  • Early repayment is allowed on personal loans with no penalty
  • Savings carry a monthly fee of $0 and a minimum deposit of $10, with access by scheduled or immediate transfers
  • Deposit protection of FDIC up to USD 250,000, and supervision by the National Credit Union Administration (NCUA)

Cons

  • Membership comes first: a US citizen or permanent resident over a minimum age who lives, works or attends school in the service area
  • The application runs a hard credit check and asks for fair credit, so a thin file is the usual reason for a decline
  • Support runs on phone, chat and help centre only, with no email channel in that list
AffinityPlus Credit Union

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Members of the US service area who want a direct lender for fixed rate personal loans, debt consolidation and secured borrowing at 7.24% to 18%
  • People who hold savings and a mortgage with one institution, with a $10 minimum deposit and no required term
  • Homeowners funding repairs, with home improvement listed among the uses of these loans

Who should look elsewhere

  • Loans above $1,000 to $40,000: Creduma ES lists amounts from from €12,000
  • Anyone who cannot meet the common bond of living, working or attending school in the US service area
  • Borrowers who want to weigh a Spanish lender: Sofkredit's 10.74% to 18.06% is the closer comparison, since this credit union serves the US only

How AffinityPlus Credit Union compares

Where AffinityPlus Credit Union is available

Available
United States
Licence in United States
National Credit Union Administration (NCUA), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do personal loans carry?+

Personal loans are priced at a fixed rate, with an APR of 7.24% to 18% on amounts of $1,000 to $40,000 repaid over 36 to 60. Where you land in that range depends on your credit file, so the quote is built around your history rather than a single headline rate.

What does a personal loan cost each month?+

The published representative example is priced at the lower end of the range on the shortest term, so it flatters the deal. A quote at the higher end on the same amount of $1,000 to $40,000 produces a far larger monthly payment, which is why the range matters more than the example.

Are savings deposits protected?+

Deposit protection for savings balances is FDIC up to USD 250,000. The credit union is supervised by the National Credit Union Administration (NCUA), so the money sits with an insured institution rather than an outside lender, and the protection figure is the ceiling per depositor.

Who can become a member?+

Membership is with Affinity Plus Federal Credit Union, a credit union in the US. You need to be a US citizen or permanent resident over a minimum age and to meet the common bond of living, working or attending school in the service area. That common bond is the real gate, since the loan terms only follow membership.

How can I get help?+

Support runs on phone, chat and help centre, so a member can call, chat or work through the help centre, and no email channel sits in that list. For a new applicant, the first question is always the common bond, because membership decides access to the rates entirely.

What does the savings account cost?+

The savings account is an easy access account with a monthly fee of $0 and a minimum deposit of $10, which doubles as the membership share. There is no required term, and money moves by scheduled or immediate transfers in mobile and online banking.

What does the credit card offer?+

The credit card charges an annual fee of $0 and a currency conversion fee of 0%, with points rewards paid through MyPlus Rewards and Visa Signature benefits. The debit card runs on the visa network as a debit card for everyday spending.

Can I get a mortgage here?+

Mortgages run at an initial rate of 7.375% with an APRC of 7.516% over a fixed period of 30, up to a maximum loan to value of 97%. Lending covers purchase, remortgage, first time buyer, buy to let and home equity work.

Sources

Compiled from 14 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Funding time.

AffinityPlus Credit Union

AffinityPlus Credit Union

Fixed rate personal loans with a credit line, plus savings with no monthly fee, for members in the US service area.

9.4/10See alternatives