Savings Accounts
Primary Saving
The foundation of your membership. Open a Primary Savings account with just $25 and start building your financial future with Affinity One Federal Credit Union.
Your membership starts with savings
Your Primary Savings account is the cornerstone of your credit union membership. A minimum balance of just $25 establishes your ownership share in the credit union and gives you access to all our products and services.
Unlike a bank, Affinity One is a not-for-profit cooperative. That means earnings are returned to you through better rates, lower fees, and improved services. Your savings account isn’t just an account — it’s your stake in a community-focused financial institution.
Quick Facts
- Minimum to open: $25.00
- Monthly fee: None
- Dividends: Earned on all balances
- Compounding: Monthly
- Insurance: NCUA insured up to $250,000
Account Features
Free Online & Mobile Banking
Check balances, transfer funds, and manage your account anytime from your phone or computer.
Direct Deposit
Set up direct deposit to have your paycheck automatically deposited into your account.
NCUA Insured
Your savings are federally insured up to $250,000 by the National Credit Union Administration.
More ways to save
Beyond the basics, your Primary Savings comes with flexible tools that make it easier to save with intention.
Bucket your savings into sub accounts
One membership, many goals. Open separate sub accounts under your Primary Savings — one for the emergency fund, one for vacation, one for a future down payment. Each one earns dividends, each one keeps your goals visible, and you manage them all from a single login.
Holiday Club Account
Save a little each pay period throughout the year, then have your balance deposited back into your Primary Savings every October — right in time for holiday spending without the holiday-credit hangover.
Automatic transfers
Schedule recurring deposits from checking to any savings sub account. Set it once and let your balance grow on autopilot — pay yourself first, every payday.
Dividends on every dollar
Every balance earns dividends, compounded monthly. Your money works while you sleep, and the longer it sits, the harder it works.
Name every goal
Label each sub account however you want — “New Roof,” “Italy 2027,” “Rainy Day.” A clear name turns saving from a chore into a plan.
Move money in seconds
Shift funds between sub accounts from the Affinity One mobile app. Reallocate when life changes — no branch visit, no paperwork.
Member-owned, member-first
Because we’re a not-for-profit cooperative, the dividends stay with members. That’s how we keep rates better than your typical bank savings account.
How to Open Your Account
Getting started is simple. Open your account in minutes.
1
Verify Eligibility
Confirm you meet our membership eligibility requirements.
2
Apply at either Branch
Complete your application with two forms of valid ID and your $25 opening deposit.
3
Start Saving
Set up direct deposit, enroll in online banking, and start earning dividends.