As a member-owned, not-for-profit, full-service financial institution federally insured by the National Credit Union Administration (NCUA), Affinity FCU?s products and services are designed to fit member needs, all while offering great rates and fewer fees. From consumer and business banking services that include a full suite of deposit products, mobile and online banking, to... show more
Eligibility
Find out if you are eligible to join Affinity Federal Credit Union.
Affinity Federal Credit Union Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/30/2026.
2.6
149 reviews
from WalletHub and across the web
149 reviews from WalletHub and across the web
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Affinity Federal Credit Union
blckonyxx @blckonyxx
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1 Star Rating
The intro low rate is indeed too good to be true. Just like other small credit unions and banks, Affinity is trying to run with the big dogs and basically is just trying to find people whose assets they can tag their asset portfolio to. The amount of financial information and statements that they ask for is unlike any other reputable mending institution. And the underwriting department is a mess with regards to their requirements. You'll be lucky if your loan officer communicates with you in a timely manner before 30 days runs out and your application is suddenly closed for reasons that are vague. Save your time, a credit pull, save your sensitive personal financial information and just go to a reputable financial institution that will be competitive. But do not fall for the bait and switch "low rates" that they claim to offer as many small struggling banks are doing these days.
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Product: Affinity Federal Credit Union Home Equity
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Affinity Federal Credit Union
Steve Daley @stevedaley3
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1 Star Rating
I paid off my loan on 03/16/2026 and still waiting for the Title. Come to find out toad 4/2/2026 that it's been sent regular mail with NO TRACKING information from Utah on 3/27/2026. Very poorly handled.
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Product: Affinity Federal Credit Union Car Loans
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Affinity Federal Credit Union
stan_8 @stan_8
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1 Star Rating
They say credit unions offer the best deals and are all about their members. However, Affinity FCU does not fit this description. Imagine, I have a credit score between 680-690 with no debt. I hold four bank accounts with Affinity. I'm purchasing a car for $16,000 out the door with a 50% down payment (all because my last car was totaled). My previous three car loans were flawless, yet Affinity has denied me. I was approved by the dealer at a high rate, which I accept because I plan to make double payments and clear this modest loan in under two years. Therefore, I'll stop by tomorrow to withdraw $6,000 for my down payment, close my account, and transfer my funds elsewhere. Well done, Affinity Credit Union.
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Product: Affinity Federal Credit Union Car Loans
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Affinity Federal Credit Union
Andrew Hall @14ahall
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1 Star Rating
This credit union sucks if you’re poor. They will just take your money from your account whenever they want if you’re behind on a loan payment and they will then fee you to death with insufficient/ uncollected funds. Worst credit union I have ever worked used.
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Product: Affinity Federal Credit Union Personal Loans
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Affinity Federal Credit Union
Huiting Reed @huitingreed
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1 Star Rating
If I could give zero stars, that would be my review of this company. I had a car loan from AFCU, and I was trying to sell the car to pay off my loan. However, the customer service representatives didn't know how to handle the process and ended up transferring me to the collections department. They were going to repossess my car because they said I told them I couldn't make the car payment, which I absolutely never said; they just don't know how to perform their duties. Additionally, the customer service was unprofessional and rude. They never train their staff properly. It's the most unprofessional company I have ever encountered in my life so far. Stay away from this loan lender.
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Product: Affinity Federal Credit Union Car Loans
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Affinity Federal Credit Union
Melissa Bragg @Melissabragg
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1 Star Rating
I give zero stars to these people who are impossible to deal with and impossible to contact. They lock your account so you cannot even make a payment, and then you can't call or get in touch with anyone. You literally have to send an email to say that you're on hold to get them to pick up the phone. And then you better hope they pick up the phone because they probably will not. It is impossible to get anything done with these people, and to top it all off, they're taking literally three to $4,000 a year per loan and not even accounting for it in the interest that I'm paying towards my loan. This is the worst place I have ever had to deal with in history.
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Product: Affinity Federal Credit Union Car Loans
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Affinity Federal Credit Union
SHLOMO PELEG @peleg130
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1 Star Rating
I went to deposit a check at the New Brunswick branch of Affinity FCU. I was helped by Ernesta. After I finished, I asked her if I could use the bathroom (no longer young and nature calls). She refused to let me use the bathroom. Her robotic response was, "We have had problems in the past...cannot use the bathroom." I tried to talk to her manager, but the manager was not around. A few days later, I called the branch in an attempt to talk to the manager to complain about this incident; however, the automatic message on the phone said, "No one is around to take your call, please leave a message..." This happened several times with no human answer. I am giving up. I am very disappointed with the customer service of Affinity FCU. I have been a member since 1986 (39 years). This is not the way the bank should treat their customers.
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Product: Affinity Federal Credit Union Checking
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Affinity Federal Credit Union
ruairidevlin91 @ruairidevlin91
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1 Star Rating
Horrible service. Good luck getting anything fixed if it goes wrong. The people working at the locations and on the phones are incredibly incompetent. Going back to a big bank with real customer service.
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Product: Affinity Federal Credit Union Checking
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Affinity Federal Credit Union
David @Davids999
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1 Star Rating
Never finance a car with these people; they are so rude and careless and sneak things into your loan! The employee I had an encounter with was very inconsiderate and hostile. I don't recommend them.
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Product: Affinity Federal Credit Union Car Loans
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Affinity Federal Credit Union
nodoubtpro @nodoubtpro
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1 Star Rating
Never finance a car with them. They will give you every reason not to refinance. They don't value their customers at all. You have been warned.
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Product: Affinity Federal Credit Union Car Loans
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Affinity Federal Credit Union
renaudnogrix @renaudnogrix
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1 Star Rating
I made a mistake regarding the coverage needed for my car, and it took them about one month to realize that. When they informed me, I fixed it right away. However, they ended up charging me $2000 for the time it took them to notice the error. I tried talking to them, but apparently, they are not responsible for their mistakes. Yet, you have to be responsible for yours and pay them. Customer service deserves one star; they are not here to help you, just to collect.
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Product: Affinity Federal Credit Union Car Loans
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Affinity Federal Credit Union
Welgemoedjacques @Welgemoedjacques
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1 Star Rating
If I could give zero stars, I would, due to the bad service. I called them to get help and they blocked my card because I created my security questions and didn't know how to spell the answers regarding them. Then, in trying to unblock my card, I sent emails as they requested. It's been 3 months and I'm still waiting for them to unblock my card.
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Product: Affinity Federal Credit Union Credit Cards
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Affinity Federal Credit Union
joselyn_aguilar691 @joselyn_aguilar691
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1 Star Rating
Verified Customer
If they offer affinity, go literally anywhere else. Member care is impossible to reach, and they don’t care about you. The loan hasn't decreased in years, and communication is non-existent. Customer service at the only ones who answer and they are limited in what they can do which is basically take payments.
Product: Affinity Federal Credit Union Credit Cards
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Affinity Federal Credit Union
suintexas @suintexas
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1 Star Rating
Couldn't keep up with when I made payments- even when I had banking proof of payments- My loan hasn't decreased in years and no one can explain why. Terrible service and at home workers have no clue how to help. They say they will pass it on to unknown person and no one returns your calls. This has to be illegal! Going to a lawyer. Will never tell anyone to use them. I went to save interest rate and not one penny has decreased in years. How is that possible? I actually more on my car now than when I bought it. It is a mess!
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Product: Affinity Federal Credit Union Car Loans
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Kristin Hooker @kristinhooker
Same! Please let me know if you figure anything out!
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Andrea Paton @andeemichelle13
I am currently having the same issues! It’d crazy and I keep thinking about getting a lawyer!
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Review Affinity Federal Credit Union
WalletHub Awards
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Get answers to your questions about Affinity Federal Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The membership requirements at Affinity Federal Credit Union include employment, family ties, or association affiliation. Here's a clear breakdown of the requirements:
Employment: You qualify if you work for one of the over 2,000 businesses, associations, or clubs partnered with Affinity Federal Credit Union.
Family: If you're an immediate family member (e.g., spouse, parent, sibling, child) or live in the same household as a current Affinity Federal Credit Union member, you're eligible.
Affinity Federal Credit Union primarily operates in the Northeastern United States, with a strong presence in New Jersey and additional branches in New York and Connecticut. Its headquarters is located in Basking Ridge, NJ, and it maintains more than 20 branch locations across these regions.
For more information on branch locations and operating hours, visit the Affinity Federal Credit Union website or contact its customer service by phone at (800) 325-0808.
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