Consumer

Why Borrow From a Credit Union?

 

A credit union is member owned. Credit Unions are a ‘not for profit’ business, so instead of paying profits to shareholders, they use earnings to reward their members and improve their services. 

Auto Loan
Our experienced loan officers can help you finance your dream vehicle with a great rate and flexible term. Stop in today to get started! Are you looking to save money? Why not refinance your current auto loan with us today! Click to try Auto Loan Calculator
Personal Loan

Need help affording that dream vacation? Need new furniture? Whatever you need, let Affinity First help you with a personal loan.

Affinity offers a variety of options to help with those personal needs:

  • Unsecured/Signature loan
  • Share/CD Secured loan
  • Overdraft protection
Recreational Vehicle

Affinity First FCU is here to help you finance your next toy! We offer competitive rates and flexible terms to help you take it home today.

Whether you like to play in the snow or spend time at the lake, we've got you covered.

  • ATV
  • Snowmobile
  • Camper/RV
  • Boat
Credit Life & Disability Insurance

Credit Life Insurance
Credit Life Insurance is available on most loans, it is a low-cost voluntary coverage that is conveniently part of the monthly loan payment. Credit Life Insurance reduces or pays off loan balances, up to a policy maximum, if the borrower or covered join borrower dies.
 

Member's Choice Disability Insurance
Disability Insurance, along with the Credit Life Insurance is also available on most loans. It is a low-cost, voluntary coverage that is conveniently part of the monthly loan payment. Disability Insurance makes monthly loan payments up to the policy maximum should the member become totally disabled. Payments continue until the member is no longer totally disabled, dies, or the loan is paid in full.

Warranty/GAP

Is your warranty getting ready to expire on your current vehicle? Want to protect your new purchase? Let Affinity First help with your vehicle warranty needs with the following warranties we available:

 

Named Exclusion Program*
This program is great for the new or eligible pre-owned vehicles. It covers over 12,000 parts and has a $0 deductible. In addition, you will receive up to $50 for towing, $300 for car rental and travel expenses up to $225.

 

Named Component Program*
This program is great for eligible pre-owned vehicles. It covers over 1200 parts plus wear and tear. This program also has a $0 deductible. In addition, you will receive up to $50 for towing, $300 for car rental and travel expenses up to $225.

 

Guaranteed Asset Protection (GAP)*
Do you realize when you purchase a vehicle the moment you drive it off the lot it starts to depreciate.

 

What happens if our vehicle is stolen or damaged beyond repair and your settlement amount is less than your loan amount?

 

With GAP coverage, the difference between the cash value of the vehicle and the loan balance would be paid. You also would then receive up to $1000 towards your insurance deductible and $1000 cash towards your next vehicle purchase. *Terms and Conditions are subject to change.

Real Estate

Whether you are ready to purchase a home or build a new one, Affinity First FCU is here to help! We offer a variety of real estate loans to fit your specific needs. If you are interested in our real estate loans, please call or stop in to make an appointment today!

 

NMLS # 809436

Purchase a Home

Whether you're ready to purchase your first home or need a new one to accommodate a growing family, there's never been a better time! Our mortgage loan officers have the knowledge and experience to make the process go quickly and smoothly. Affinity First FCU also offers refinancing options and now is a perfect time with rates as low as they have been in years.

Affinity First is partnering with First Class Mortgage to help offer 30 year mortgage options to our members. If you are interested, click here for more information!

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Click for Home Affordability Calculator

Home Equity Loan*

Your home is your greatest asset – why not put it to work for you? If you have enough equity in your home, you can use it to secure a line of credit with Affinity First FCU. A home equity loan gives you the flexibility to use your funds as the need arises. Remodel your home, make emergency repairs or take that dream vacation – the possibilities are endless!

 

*AFFCU membership required. Estimated closing costs range from $250.00 to $2,500.00. Closing costs may vary based on loan amount, property location, appraisal cost and title insurance required. Loans subject to credit approval. Rates subject to change without notice. Some restrictions apply.

Construction Loan

If building your own home is a dream for you, let Affinity First FCU help make it happen. Our construction loans offer affordable payments and excellent rates. You can count on Affinity First FCU to help make this process easy and smooth. To get started on making your dreams a reality, give us a call today.

Mobile Home

Whether it’s your first home or a retirement refuge, we have the solution. If you are looking at a new or pre-owned mobile or manufactured home, let Affinity First help you with affordable financing. Our professional loan officers will help you find the perfect fit.

Small Business

If you are looking at starting your own business or taking your business to the next level, Affinity First offers a variety of small business loans that can help you get started.

 

Commercial Loans

Affinity First FCU offers competitive rates and flexible terms to help you take your business to the next level. Our loan officers will provide prompt and professional service and all loan decisions are made here at the credit union.

We offer commercial loans for the following:

  • Equipment
  • Vehicles
  • Lines of credit (operating lines)
Commercial Real Estate

Affinity First FCU offers a variety of commercial real estate loans to fit your business’s unique needs. We can help you finance a new office space for a growing business. We can help you invest in rental property. If you prefer a customized space, we also offer construction and development loans.

Visa Credit Card

Affinity First offers a VISA credit card program to our business owners to allow them some spending flexibility. If your business could benefit from a VISA credit card, stop in today!

  • 10.9% fixed APR*
  • 25 Day Grace Period
  • $15 Annual Fee
  • 24 Hour Online Access

*Annual Percentage Rate (APR) is determined by an evaluation of the applicant's credit history. Your actual rate may vary. The APR applies to purchases, cash advances and balance transfers. Other subject to credit approval. Membership required. NCUA insured. Equal Housing Lender. Effective date 4/30/2014.

VISA Credit Card

If you are looking to establish or re-establish your credit history, then a VISA credit card is a great option. Your Affinity First FCU VISA credit card can help you build a positive credit history. See below for more information or contact us today to get started!

 

Classic Visa

If you are looking to establish or re-establish your credit history, then this card is a good option for you since we directly report to a credit reporting agency. If managed wisely, your Affinity First FCU Classic VISA credit card can help you build a positive credit history and have a brighter credit future. Use your Affinity First FCU Classic Visa credit card to make purchases online, book a hotel room, fill with gasoline, shopping, vacation, and so much more.

  • 17.9% fixed APR*
  • 25 Day Grace Period
  • $48 Annual Fee
  • 24 Hour Online Access

*Annual Percentage Rate (APR) is determined by an evaluation of the applicant's credit history. Your actual rate may vary. The APR applies to purchases, cash advances and balance transfers. Other subject to credit approval. Membership required. NCUA insured. Equal Housing Lender. Effective date 4/30/2014.

 

Standard Visa

Why do I need credit? When you are ready to get a car loan, a house loan, or make any other large purchases you will find yourself faced with many challenges due to the lack of credit history. Let Affinity First FCU help you establish this credit history with a Standard VISA Credit Card. Use this card to pay for your college tuition, books, meals, online purchases, gasoline for your vehicle and much more!

  • 13.9% fixed APR*
  • 25 Day Grace Period
  • $25 Annual Fee
  • 24 Hour Online Access

*Annual Percentage Rate (APR) is determined by an evaluation of the applicant's credit history. Your actual rate may vary. The APR applies to purchases, cash advances and balance transfers. Other subject to credit approval. Membership required. NCUA insured. Equal Housing Lender. Effective date 4/30/2014.

 

Premiere Visa

This credit card offers a rewards program that encourages you to use your Affinity First FCU Premiere VISA card for all of your purchases. For every net dollar you spend, you can earn up to 1% CashBack Credit. The cash back reward is more flexible than other programs because cash credits can be spent on anything the cardholder chooses. So, the more you use your card, the more you can reward yourself. Now more than ever, you'll want to use your Affinity First FCU VISA card for all of your purchases.

  • 8.9% fixed APR*
  • Cash Back reward program
  • 25 day Grace Period
  • No Annual Fee
  • 24 Hour Online Access

*Annual Percentage Rate (APR)  is determined by an evaluation of the applicant's credit history. Your actual rate may vary. The APR applies to purchases, cash advances and balance transfers. Other subject to credit approval. Membership required. NCUA insured. Equal Housing Lender. Effective date 4/30/2014.

Rates

Click here to check out our Loan Rates

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