Affinity Federal Credit Union (2024)

FAQs

What is the more score for Affinity Federal Credit Union? ›

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.

Maximum daily deposit limits

$5,000 per day. Limits above $5,000 available upon request¹.

Initial deposit: Most basic checking accounts require a small initial deposit of up to $100. This may need to be a cash deposit, so remember to bring enough cash.

Deposits submitted by 4:00 pm EST, Monday - Friday will generally post to your account by 6:30 pm EST. Deposits submitted after 4:00 pm EST or on a Federal Holiday will generally post to your account by 6:30 pm EST the next business day. Please retain the check for 60 days.

The FICO Score is used by most lenders, and typically ranges from 300 (very poor) to 850 (exceptional). However, there are numerous FICO scoring models, and each of the three nationwide credit bureaus has its own FICO variation.

What are the daily limits? For your protection, the daily limit per business day for purchases is $1,500. There is a $500 daily limit for withdrawals at an ATM. The aggregate daily limit for the number of transactions permitted is 10.

To get started, log into Affinity's mobile app. In the main menu, click Pay & Transfer, then select Send money with Zelle®. To request money using Zelle®, choose Request, select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit Request.

You may use your Visa® Debit Card (not applicable for HSA accounts) to access your account at an ATM as follows: • You may withdraw up to $1,000.00 per day. You may make deposits to your accounts at certain Affinity Plus ATMs.

The online / mobile deposit limit is $5,000.00.

How long does it take for direct deposit to hit Affinity credit union? ›

If your payment method is direct deposit, you can expect to receive payments within five business days of the scheduled payment date. If your payment method is cheque, you can expect the cheque in the mail within 10 business days.

Log in to your Affinity mobile banking app and select “Check Deposit” from the menu bar. Choose the account that you want to deposit your check to. Enter the amount and be sure it matches the amount written on your check. Sign the back of your check and write, “For Mobile Deposit Only.” This step is very important!

Credit limits for credit union credit cards are often lower than the limits that traditional banks offer, at least when you first open the card. Your limit should increase, though, once the credit union you're banking with sees that you are able to make your payments on time.

The Credit Union System is made up of organizations at the local, state, and national levels. Credit unions, corporate credit unions, chapters, leagues, and league service corporations all serve member needs on the local and state levels.

Minimum representative credit score of 680 required. Maximum 80% combined loan-to-value on Adjustable-Rate Home Equity Line of Credit with a loan amount of $10,000 to $150,000. Maximum 80% combined loan-to-value on Fixed-Rate Home Equity Line of Credit with a loan amount of $20,000 to $150,000.