Affinity Plus Federal Credit Union Car Loans

Affinity is wonderful to work with and very helpful it was quick and easy to do all online. Any questions I had they responded very promptly

We started with a savings account and have expanded to checking, direct deposit, mortgage, and auto loans. They have been fabulous to work with.

Affinity is amazing! They do a great job taking care of their customers and appreciate customer loyalty. Emily is fantastic to work with!

I banked with Affinity Plus for four years, mainly because they approved me for a $12,500 loan. Money was automatically transferred into my Affinity account from my job and Affinity withdrew the money automatically for my car loan payments. Pretty simple, huh? I had NO issues for the four years until April 2018 (my estimated final loan payment) when I was told that I had missed a payment a year prior. Until April, I received no phone calls, no emails and no updates when I visited the bank. I was told that Affinity didn't have my contact information. I personally went into the bank once I moved in 2015 to change my address but, somehow, they didn't get my new address... I found that to be a little strange since I was receiving junk mail with my name on it.

In April, I was only contacted via email regarding one late payment and told that I would have to pay an additional car note fee in May. I didn't like it but agreed because it would end my loan payments. That's when they contacted me again to tell me that I also had to pay another $367 in late fees for the past year... fees accrued each month since the one missed payment. That floored me because not once were these fees ever mentioned. When I called and visited the bank, the bankers were equally confused and asking why the bank couldn't just erase or pay the fees. They even noticed that I was very consistent with payments minus the one missed payment. My choices, pay the fees or the bank would do a charge off (with my money from my account) and give me a negative mark on my credit. I, of course, had to pay the fees.

Back to my address... I was told that copies of letters informing me of missed payments were sent to my old address. At a bank branch, I was told that only one letter was sent... period. By June of 2018, the message changed and I was told that a letter had been sent each month to my current address regarding missed payments. This really confused me because now they were claiming they had my new address the whole time. I asked for copies of the letters, low and behold, Affinity was able to produce copies of letters (back dated) with my current address... the one that they claimed they did not have. To add salt to an open wound, Affinity MISCALCULATED my last payment by $2.17 (they never told me by the way) and charged me a late fee of $17 for their miscalculation. When I asked about this, they told me that they charged it off. As long as you don't apply for loans, your account is fine. If you have a loan, they will scam you.

This is the worst bank you can ever deal with
The representative Denise at ext 7335 was such a disappointment; rude, sarcastic and refused to connect me with a supervisor
Im planning on taking this one step further as she mocked me and told me Im refusing to make my payment. The call should be monitored and she needs to be reprimanded

I've had two car loans with them with no problems . I started having problems when I applied for buying a truck . I was not approved the first time I had some things to clean up on my credit that I was already in the process of applying. They asked me to fix those few things and reapply in 60 days. I did so and applied for smaller lower than the original one. I got approved but only for the cost of the vehicle not with the tax title and license. I tried a few times to work with him to get the tax title license cover but they would not budge. So now I'm putting it in position to where I have to go to a different Bank or Credit Union to get the loan I need. They are willing to losing a customer over $1,500.

I used to live in rural southern Minnesota. However, I recently had to move up to the Twin Cities for college. I used to have an account with Bank of America. They screwed me over several times in the past though. I decided to take a different approach and opt for a credit union. I had heard good things about Affinity Plus, so I opened an account with them. They have gone above and beyond to help me when I'm having financial difficulties. I've taken out several loans from Affinity. They were easy to pay back, easy to apply for, and easy to get accepted. I would highly recommend Affinity Plus to anyone in the Twin Cities area.