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madre sosteniendo a su hija dentro de su hogar madre sosteniendo a su hija dentro de su hogar
Gana hasta 3.75% APY1
Ahorros galardonados sin mínimos ni tarifas de servicio mensuales cuando te inscribes en eStatements3.
Comenzar

Gana 8X el Promedio Nacional2

Ya sea que estés ahorrando para un pago inicial, unas vacaciones de ensueño o para emergencias, estamos aquí para ayudarte a ganar más hacia tus metas financieras con nuestra cuenta de ahorros SmartStart de alto rendimiento.

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Tasas Competitivas

Gana 3.75% APY en los primeros $10,000 y 0.75% APY en cada dólar después.

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Cero Cargos

Sin cargos mensuales de cuenta3 al inscribirse en eStatements y sin requisitos de saldo mínimo.

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Asegurado Federalmente

Sus depósitos están asegurados federalmente por la NCUA hasta $250,0004.

Comenzar

Selección del Editor de CNBC

Selección del Editor de CNBC Select 2023 para Cuentas de Ahorro

Nombrada "Mejor cuenta de ahorros de cooperativa de crédito para depósitos de menos de $10,000" por CNBC Select.

Icono del Premio WSJ Buyside 2024

Calificado por la Compra Lateral 2024 para Cuentas de Ahorro de Alto Rendimiento

Buy Side del Wall Street Journal calificó a SmartStart Savings como la “Mejor Cuenta de Ahorros de Alto Rendimiento de Cooperativa de Crédito para 2024.”

Acceso Total Cuando Lo Necesites

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Disfruta de transferencias y retiros ilimitados entre tus cuentas en Affinity u otras instituciones financieras.

Icono de Depósito de Cheque

Deposite cheques, envíe dinero con Zelle5, programe transferencias y más con nuestra aplicación de Mobile Banking.

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Haz crecer tus ahorros más rápido con depósitos directos de tu sueldo y recibe tus fondos hasta 2 días antes6.

CÓMO ABRIR UNA CUENTA DE AHORROS AFFINITY SMARTSTART

1
¡Únete a Affinity!
Nuestras cuentas de ahorros, tarjetas de débito y otros servicios son solo para miembros. Unirse es fácil: Únete en línea o llámanos al 800.213.5003.
2
Solicite una cuenta de ahorros SmartStart
Comience su solicitud en línea, en la sucursal o por teléfono—haga clic aquí para aplicar en línea.
3
Fondea tu cuenta
Con solo un depósito de apertura de $5 y sin requisito de saldo mínimo, puedes comenzar a ganar dividendos de inmediato. Cuanto antes comiences, más tiempo tendrás para disfrutar de rendimientos más altos.

ARTÍCULOS RELACIONADOS CON CUENTAS DE AHORRO

VER TODOS LOS ARTÍCULOS
VER TODOS LOS ARTÍCULOS

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1 APY = Annual Percentage Yield. APY is effective as of 3/21/2025. 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.

This account requires an initial opening deposit of $5.00. Fees could reduce earnings on this account. One account per member allowed.

If your daily balance is $10,000 or less, the dividend rate paid on the entire balance will be 3.68%, with an APY of 3.75% . A dividend rate of 0.75% will be paid only on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from 3.75% to 0.85%, depending on the balance in the account.

2 Based on the national savings rate referenced from the FDIC’s National Rates and Rate Caps published on March 17, 2025 at FDIC.gov. National average is subject to change without notice.

3 To qualify for no monthly fees and avoid the $2 monthly paper statement fee, upon opening your SmartStart Savings Account, you must enroll in paperless statements (eStatements) either by registering and logging in to your Online Banking or Mobile Banking account. For new members, the paper statement fee is waived for the first 45 days of membership, after that, if you have not enrolled in eStatements you may be assessed a $2 paper statement fee per month. Enrollment in eStatements means you will not receive mail delivery of your statements and you have agreed to Electronic Delivery Disclosure. You may withdraw your consent to receive paperless statements anytime by logging in to your Online Banking or Mobile banking account. If you choose to withdraw from eStatements you will be charged a $2 monthly paper statement fee. Note: The fee is waived for tenant accounts, members age 70 or older, and children age 12 and under.

4 Affinity is a federally insured credit union, which means that all members are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per share owner for each account ownership type.

5 Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Zelle® is available to checking and savings account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

6 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Once your direct deposit goes into effect, Affinity may make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. On occasion, we may not receive your deposit information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting date. We recommend that you do not write checks or authorize any other withdrawals against your direct deposit funds until you verify the funds have been posted to your account. Affinity FCU is not responsible for overdraft fees or penalties resulting from transactions that occur due to anticipated early direct deposit postings.