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AffinityPlus Credit Union review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

AffinityPlus Credit Union charges a monthly fee of $0 on its checking account and keeps savings in the same easy-access structure. It suits US members who want insured deposits and a plain place to hold cash rather than a saver chasing a high rate.

Key facts

Best for
An everyday US account with a monthly fee of $0 and savings that hold cash rather than chase a high rate.
Monthly fee
$0↗
Deposit protection
FDIC up to USD 250,000↗
Legal entity
Affinity Plus Federal Credit Union↗
Headquarters
United States↗
Founded
1930↗
Support channels
Help-centre↗
Pricing model
No monthly fee
Official website
affinityplus.org

Savings

Headline rate
0.1%↗
Rate type
Variable↗
Minimum deposit
$10↗
Access terms
No required term; $10 membership share required, access by scheduled or immediate transfers in mobile and online banking↗
Account kind
Easy access↗

Facts checked September 26, 2026, 7 sources

Pros and cons

Pros

  • The everyday checking account charges a monthly fee of $0, the same as the €0 median across the accounts compared.
  • Deposits sit under FDIC up to USD 250,000, so the money is held in an insured deposit account rather than as a payments balance.
  • The savings account is easy access, with no required term and access by scheduled or immediate transfer in mobile and online banking.
  • Entry costs little: $10 funds the account, and no required term stands in the way of taking the money back out.

Cons

  • The savings headline rate of 0.1% sits well below the 3% median for savings on the site.
  • Support runs through help centre only, so a question that needs a person has no listed route to reach one.
  • Joining means buying a membership share before the account can be used, a step the monthly fee does not cover.
AffinityPlus Credit Union

Ready to try AffinityPlus Credit Union?

Scored 9.2 / 10 by VaultCue.

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Who it suits

  • US members who want an everyday checking account with a monthly fee of $0 and savings alongside it
  • People holding a cash buffer they need to reach without tying it away for a term
  • Readers who prefer scheduled or immediate transfers in mobile and online banking rather than branch visits

Who should look elsewhere

  • XTB, for anyone shopping mainly on the interest rate rather than the monthly fee
  • AXI Card, for readers comparing a euro monthly fee of €0 without a credit union membership share
  • Skrill, for people who want a payments wallet rather than an insured deposit account

The company behind it

Affinity Plus Federal Credit Union is the legal entity behind the brand, based in the US and founded in 1930. Support runs through help centre, so day to day help is written and self-service rather than a call centre, and the credit union keeps its answers in its own documentation.

How AffinityPlus Credit Union compares

Frequently asked questions

What does the checking account cost each month?+

The everyday checking account charges a monthly fee of $0. The median monthly fee across the accounts compared on the site is €0, so this sits at that level and the fee is unlikely to decide anything between providers.

What interest do I get on savings?+

The savings account pays a headline rate of 0.1%, and the rate type is variable, so it can move rather than stay locked in. The median headline rate across savings on the site is 3%, which is well above this.

Is my money protected?+

Deposits are covered by FDIC up to USD 250,000, so cash held with the credit union sits under the federal scheme rather than in a payments account. That protection is the main reason a saver would pick it over a wallet.

How much do I need to open the account?+

The minimum deposit is $10, and a membership share is needed before the account can be used. There is no required term, and money moves by scheduled or immediate transfer in mobile and online banking.

What kind of savings account is it?+

It is an easy access account, and the terms state no required term, so savings stay reachable whenever they are wanted. That suits an emergency pot and a cash buffer, and suits a saver less well who wants money locked away for a set period.

How do I get help?+

Help runs through help centre, so questions are answered in written form rather than by a person on the phone. Banking itself is handled in mobile and online banking, where transfers can be scheduled or set to happen immediately once you are in the app.

Who is this account for?+

It suits US members who want an everyday checking account alongside an easy-access savings pot. Anyone shopping mainly for interest will find 0.1% modest against the 3% median across savings on the site.

How does it compare on fees?+

Its monthly fee of $0 ranks 1 among 500 brands compared on the site, and the cost score is 6.3. Fee level is the strong part of the offer, and the rate on savings is the weak part.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currency conversion fee, Currencies.

AffinityPlus Credit Union

AffinityPlus Credit Union

An everyday US account with a monthly fee of $0 and savings that hold cash rather than chase a high rate.

9.2/10See alternatives