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Affinity One Federal Credit Union
545 East Second Street
Jamestown, New York 14701
Main Office: (716) 483-2798 or fax 483-6136 or [email protected]
Lakewood Branch: 483-2265 or fax 483-2266 or [email protected]

Mon-Wed: 8:30 AM - 4:00 PM
Thurs-Fri: 8:30 AM - 5:30 PM
Sat: 9:00 AM - Noon 


OneUp Side - Info that saves you $$$$$$$.

Better Banking…Your Credit Union Can Do That!

At a time when banks are making record profits and consumers are paying higher fees, many people are searching for a bank that will help them save money as well have easier access to money.
At first glance, there may not seem to be much difference between credit unions and banks, although many people believe the only way to join a credit union is through an employer, which is not the case. Both banks and credit unions  offer  similar products and services.  However, there are some crucial differences that set the two apart.
A key difference is that a credit union is a not-for-profit financial institution that is owned by its members (customers are actually “members” of the credit union).  Since they operate as a not-for-profit institution, they can offer higher rates on savings and lower rates on loan products.
Credit unions are member focused.  The credit union is a cooperative, which means that it is owned and operated by its members. Contrary to banks, who are owned by stockholders and are profit driven.  The initial deposit into a member account gives you part ownership in the credit union and a say in the credit union decisions. 
The credit unions strategic direction and policies are carefully managed by a board of directors who are elected by the membership and serve as unpaid volunteers.  Election to the board is open to any member in good standing that would like to run. Today, people just like you and I are serving on credit union boards.
Member deposits are insured to at least, $250,000.00 by the U.S. Government.  Just as the banking industry is monitored by the FDIC (Federal Deposit Insurance Corporation), the credit union industry is monitored by the NCUA (National Credit Union Administration).  The NCUA are regulators of credit unions and guarantees deposits in credit unions.  Every year credit unions undergo audits by the NCUA to make sure they are following all of the regulations and guidelines set forth by the federal government.
Because credit unions have a member focused philosophy, they are more willing to work with you even if a member has a troubled financial past.  Since big banks process thousands of loan applications per month, they streamline the process by setting requirements on income, credit scores, and deposits.  If you don’t meet these requirements, you are simply declined by some unknown person in a centralized underwriting area.  Credit unions have professional loan officers, making and communicating loan decisions face to face.
As so many people know, selecting a financial institution is one of the most important decisions you’ll ever make.  Consumers across America are looking closely and joining credit unions. If you are concerned about your financial institution, now is the time to break free.

Melinda J. Best is Chief Executive Officer of
Affinity One Federal Credit Union

Mortgage Rates Drop
The MBA's loan application survey covers over 50% of all U.S. residential mortgage loan applications taken by mortgage bankers, commercial banks, and thrifts. The data gives economists a snapshot view of consumer demand for mortgage loans. In a falling mortgage rate environment, a trend of increasing refinance applications implies consumers are seeking out lower monthly payments.

Call or stop by your Affinity One office to talk to a specialist today

Customer Service

On-line Bill Payer System

There is no need to worry about what bills you paid this month or how much you sent. Free to our members, this system offers the ability to pay all of your bills each month on-line, from anywhere you happen to be.

On-Line Banking

Affinity One Federal Credit Union offers the convenience and flexibility of 24-hour account access to our members. Our E-Banking is easy, secure and just can't be more affordable– it's FREE!  Our system lets you check account balance, history and transfer funds between accounts as well as view cleared check listings. Members can also order checks and view new check styles online. If you're here, why not register today?

Make the Switch to Better Banking

AffinityOne makes it easy! Download our Switch Kit and you are on your way. Simply fill out the forms, return them to your current financial institution and you too can be One Up On Banking.

Web Banking FAQ: Frequently Asked Questions

How Secure is online banking at Affinity One Federal Credit Union?
Incredibly secure! Every bit of information sent or received is encrypted, making it unreadable during transmission. In addition to the systematic precautions that we have taken to ensure information security, your Affinity One Federal Credit Union password ensures that you are the only authorized user with access to your account information. Be sure to change your password monthly to ensure its integrity. Keep your password in a secured place and don't reveal it to anyone. No one at Affinity One Federal Credit Union will ever ask for your password.

Can I transfer from my account to my spouse's account?
You may transfer among all accounts on which you are a joint owner. If an account on which you are a joint owner doesn't show up on the "transfer" screen, please call us at 716-483-2798.

Is there a fee to use online banking at Affinity One Federal Credit Union?
There is no fee to use our online banking.

Do I need to install any special home banking software?
No, all you need is a Mac or PC and an internet service provider. If you currently have internet access you will be able to access your accounts on our Internet web site.

What type of web browser do I need to access the site?
It is recommended to use the latest version of your current browser, we suggest Internet Explorer or Firefox, though Safari should also work well.

How do I get an Affinity One Federal Credit Union password?
You can call or visit our office. You may also fill out a password request online at our website. Once your new password is issued, you can change it on your first visit to the secure Home Banking site. It's that easy!

I've forgotten my password, what should I do?
Neither the credit union nor our web system administrator knows your password–we do not keep them on file. Call us at 716-483-2798 and we'll issue you a new password which you can change on your next login to the secure site.