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Steps to Become More Financially Stable this Fall
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Steps to Become More Financially Stable this Fall

The home of Affinity Credit Union's financial education resources. The home of Affinity Credit...

FREQUENTLY ASKED CREDIT CARD QUESTIONS

Is there annual fees?

What is More ?

More is a program that rewards members for doing more with us. The more products and services you use, the more perks you get. Members with a score of 200-399 receive More perks. And members with a score of 400+ receive EvenMore perks.

How do I qualify for More?

You are automatically enrolled in the program if you have a MoreScore of 200 points (or more). You earn points based on the Affinity products and services you use.

  • Your MoreScore is updated on the last business day of each month (business days exclude Sundays and Holidays) and members can advance effective the first day of the following month unless they are no longer a member in good standing.
  • Effective May 1st, 2015, once you achieve the More or EvenMore level, you will retain that level through October 31st, 2015, at which point it will be re-evaluated. Please note that to be eligible for More, you must remain a member in good standing.

What is a MoreScore?

Your MoreScore determines which level of MorePerks you enjoy. This score is based on points assigned to the products and services you use: your total number of points is your MoreScore. If you have a MoreScore of 200-399, you qualify for More benefits, and if your MoreScore is 400+, you qualify for EvenMore benefits. Your MoreScore is updated every month on the last business day of each month, and if you qualify for More or EvenMore perks, your benefits will begin on the first day of the following month.

How do I know what my MoreScore is?

You can find your MoreScore by using the online calculator. Or, call us at 800.325.0808, stop by any branch, or use the Secure Chat feature in Affinity Online Banking.

How do I earn MorePoints?

You earn points based on your relationship with Affinity - for the products and services you use. For complete details, view "How You Earn MorePoints."

I have two checking accounts - will I get MorePoints for each account?

Points for each category of product are limited to one set of points per product category. However, your "Checking, Savings and Certificate Balances" include balances from all your accounts, so it will include balances from both your checking accounts.

Will I receive MorePoints for accounts on which I am a joint (not the primary) accountholder?
Company Contact Country
Alfreds Futterkiste Maria Anders Germany
Centro comercial Moctezuma Francisco Chang Mexico

What balances are included in the "Checking, Savings and Certificate Balances"? Qualifying balances include those from any/all Affinity savings, checking and certificate accounts, and they also include balances in Affinity IRA Savings Plans. However, due to regulatory restrictions, we are unable to include Affinity Investment Services balances.

What is Paperless Banking?

To qualify for points for Paperless Banking, enroll in Online Documents (receive your statements and other account documents online); and also use Online or Mobile Banking at least once a month ("use" means at minimum, logging into Affinity Online or Mobile Banking, or using any Online Banking text alerts).

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Credit Card

APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are available to Affinity Members only and subject to change at any time without notice. Fees may reduce earnings on deposits, see fee schedule for details.

Loan and credit card rates are lowest rates for qualified applicants, based on creditworthiness. Term restrictions may apply based on underwriting criteria. The maximum APR that may be imposed on any variable rate loan plan is 18.00%.

1. Checking Accounts

  • MoreSavings: There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Rate may change after account is opened.
  • Cash Back Debit: There is no minimum opening deposit or balance requirement.

2 Savings Accounts

  • MoreSavings: There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Rate may change after account is opened.
  • SmartStart Savings: APY is effective as of 2/18/2022. The APY is accurate as of the latest dividend declaration date. Dividend rates and annual percentage yield are subject to change after the account is opened at our discretion without notice to you. We do not impose a limit on the amount the dividend rate and Annual Percentage Yield on your account may change. The dividend rate on your account is determined by the credit union. There is no initial deposit requirement to open this account. There is no minimum balance requirement for this account. Fees could reduce earnings on this account. One account per member allowed.
  • If your daily balance is $4,999.99 or less, the dividend rate paid on the entire balance will be 1.98%, with an APY of 2.00%. A dividend rate of 0.10% will be paid only on the portion of your daily balance that is greater than $4,999.99. The APY for this tier will range from 2.00% to 0.14%, depending on the balance in the account.

3 Youth Accounts

  • Savvy Saver: Available for members ages 1–12. Account will be converted to a Regular Savings account at the time of the owner's 13th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01
  • Teen Checking & Savings: Available for members aged 13-16. Accounts will be converted to Revolution Spend and Revolution Save accounts respectively, at the time of the owner's 17th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.
  • Revolution Spend: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.
  • Revolution Save: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. Dividends are compounded daily and credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Balances between $0 - $2,500 will always earn 1.25% APY on all balances in this range. Balances of $2,500.01 and above will earn between 0.25% APY on total balances in this range. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.
  • Rate may change after account is opened.