Member Service Center

Primary Shares

This is our membership account. Your $30 minimum deposit makes YOU a part-owner of Affinity First.

An ATM card is available with this account.

Secondary Shares

If you just want to split up your savings for different goals, this account is for you.

Money Market

Tiered interest rate based on how much is in the account. Minimum balance of $1000.

Christmas Club

High interest rate account pays out in October to help you pay for Christmas presents.


Children up to the age of 10 only have a $10 minimum account balance (replaces primary shares)


Ages 10-18 only have a $15 minimum account balance (replaces primary shares)

Vintage Club

Tiered savings account for ages 55+ receives greater dividends than a regular money market. Minimum balance of $1000.

IRA Shares

Available for Roth or Traditional IRA accounts.

Certificates of Deposit

Term and rates vary. Available for regular savings or IRA accounts.

Check Blanks

Reorder your checks online here.

Checking Account

No minimum balance or monthly fees! This is your everyday, hardworking checking account.

Trinichecking Account

Pays interest with minimum balance of $2500.

Debit Cards

Visa debit card available with checking accounts.

Securely add your debit card to your mobile wallet! Compatible with Apple, Samsung and Andriod devices.

If you are traveling and planning on using an Affinity First debit card, please let us know! For your protection against fraudulent activity, we have foreign country transactions blocked as well as the states of California, Florida, Texas, Illinois, Georgia, Michigan and Louisiana. If you are planning to travel to these areas, let us know and we can lift the restrictions for the duration of your travels.


Add Round-Up to your debit card to automatically save money. Every time you make a purchase with your Affinity First FCU Debit Card, we’ll “Round Up” your purchase to the next whole dollar amount. The amount in excess of the purchase price is transferred from your checking to the savings account of your choice.

Lost/Stolen Cards

To report a lost or stolen Affinity First credit or debit card, call us at 1-701-857-5541 or toll-free at 1-800-617-2363. If there have been fraudulent transactions on your account, we will also take care of the claim process for you.

Mobile App

With our FREE mobile app, your accounts are at your fingertips, 24/7! The app is available for download on Apple or Android devices. Affinity First’s app allows you to transfer funds, research transactions and even deposit checks remotely! Find us in the App Store today!

Remote Check Deposit

Can’t make it to the Credit Union to deposit your checks today? No problem! Try out our free mobile app service; remote check deposit. This service allows you to remotely deposit checks into your checking account. Look for the camera icon on your mobile app to give it a try!

CU Connect

View your balances and transfer funds 24/7! Our online access gives you the convenience of managing your finances whether we are open or not. Keep up-to-date on what is clearing your account by looking at your transaction history online.

External Transfers – Money Movers

External transfers allows you to transfer money from your account at Affinity First to your account at another financial institution, or vice versa, via an ACH transaction. External transfers also allows you to make person to person transfers. Person to person transfers allow you to send or receive money from a friend and all you need to know is their phone number or email address! Members can use this service within CU Connect or from the Mobile App.


With e-statements you can view and print your statement online. Statements are available immediately after month-end – No more waiting for it to come in the mail!


No need to write paper checks with our online bill-pay. Enter your account information and we will send a check for you on the day of your choosing! You can set up recurring payments or change the dollar amount every month.

Debit Card Alerts

Debit card alerts allow you to receive a text or email alerting you to certain transactions that are authorized on your debit card. Click on the below URL to sign up for this FREE service.

Payroll deductions

Do you want part of your paycheck to go to savings, a loan payment, or maybe toward your child’s allowance? We can split your direct deposit up the way you want it.

Wire Transfers

To send a wire transfer to your account at Affinity First Federal Credit Union use the following instructions:

Wire to: Bank of North Dakota
Routing # 091300285

Further Credit to: Affinity First Federal Credit Union
Routing #291378897

Final Credit to: Member’s Name & Account Number

Gift Card

Visa Gift cards can be used anywhere Visa is accepted. Load money onto the card and give it to someone special!

Reloadable Card

Reloadable Visa cards are great for protecting your checking account if you are shopping online or as an alternative to a debit card if you do not qualify for a checking account. 

Download their mobile app to manage your Visa travel card: CUMONEY Mobile App

Safe Deposit

Keep your valuables safe in one of our safe deposit boxes. All boxes are large enough to fit legal-size paper and are charged to your account annually.

Small Boxes: 3”x10” – $25/year

Medium Boxes: 5”x10” – $30/year

Large Boxes: 10”x10” – $50/year

Notary Public services

Our licensed professional notary public services are here to make life easier.

Why do documents need to be notarized? 
A notary public acts as an impartial third-party witness to not only the signature of a document, but also that all parties who signed a document did so willingly and under their own free will.

       Types of documents that may require notarization:

  • Wills
  • Trusts
  • Deeds
  • Contracts
  • Affidavits

       Be Prepared

  • Bring a valid, government issued photo ID with you.

Money Orders & Cashier’s Checks

Books of Stamps

Discount Car Washes

Need a place to have your car or truck washed? Consider choosing from one of the two local stations:

Simonsons Station Stores “Blue Wash”
1310 South Broadway, Minot, ND 58701

Toads Ride ‘N’ Shine “The Works Wash”
1105 South Broadway, Minot, ND 58701

Affinity First will sell you your ticket to a clean car in advance and at a discounted price.

Loan Rates

Auto / Truck As low as 3.25% APR*
Campers / Boats / ATVs As low as 4.00% APR*
Ice House As low as 4.00% APR*
Snowmobile / Motorcycle As low as 4.00% APR*
Unsecured As low as 8.50% APR*
Home Equity Line of Credit As low as 3.95% APR*+
Land As low as 4.50% APR*
Construction As low as 4.00% APR*
Real Estate Mortgage As low as 3.95% APR*
Mobile Home As low as 7.50% APR*

Savings Rates

Primary Shares  0.10% – 0.15% APY^
Vacation Club 0.10% APY^
Christmas Club 0.55% APY^
Pee-Wee Shares 0.10% APY^
Money Market 0.25% – 0.40% APY^
Vintage Club

0.35% – 0.55% APY^


0.10% APY^

6 Month 0.25% APY^
12 Month 0.50% APY^
24 Month 0.55% APY^
36 Month 1 Bump 0.65% APY^
48 Month 1 Bump 0.75% APY^
60 Month 1 Bump 0.90% APY^

*APR = Annual Percentage Rate Rates are subject to change Rates Effective October 21st, 2020

^APY = Annual Percentage Yield Rates are subject to change Rates Effective November 19, 2020

+ AFFCU membership required. Actual APR (Annual Percentage Rate) will vary based on loan amount, loan to value and credit history. APR may vary after account is opened. 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.