Affinity Credit Union is a Canadian cooperative financial institution based in Saskatchewan. Affinity Credit Union claims that it is not your ordinary bank.
They claim not to be banks. And like most credit unions, members own the company. In this review, we will look at how Affinity works, as well as its advantages and disadvantages.
Table of Contents
Banking with Affinity Credit Union
Affinity Union Personal Account
Simply put, banking with affinity credit unions comes with many options.
Credit unions also offer options such as direct deposit, online banking, and mobile banking. Members have access to the network infrastructure of more than 1800 ATMs.
Affinity Union Checking Account
First, Affinity offers a variety of personal checking accounts. Regardless of their financial status, each has been created only according to the wishes of the client. Affinity credit union Saskatoon.
1: Youth test
Affinity’s youth checking account is free for members 20 years of age or younger.
Also, eligible members have access to unlimited transactions. They also get a free Intrac e-transfer every month, which makes the account even more exciting.
2: Unlimited checking
Affinity offers an unlimited checking account that comes with a 12 monthly fee. Its offers include unlimited transactions such as free Intrac e-transfer services.
Also, members can get up to 75% discount on monthly fees through Affinity’s member loyalty program.
3. Student checking
Like the Youth Account, the Student Account pays a zero monthly fee. It allows post-secondary school students to enjoy unlimited transactions.
Members can continue to use their student accounts for up to 24 months after graduation.
4: 65+ Checking
100 free checks per year and no monthly fee. 65+ checking accounts for senior members only.
Comes with:
- Unlimited transactions
- Intrac e-transfer
- Staff-assistance bills at zero cost
- Provide-as-a-checking
In addition, this checking does not pay any monthly fee. It allows members to pay only for transactions made by them.
5: US test
Affinity’s U.S. checking account allows members to pay only for transactions made. You don’t answer you don’t answer;
- Electronic debit – $1 per transaction
- Processed check – $ 1 per transaction
- Staff-Assisted Pay – $1.25 per transaction
In addition, it enables members to hold dollar (US) money and pay interest.
Finally, a U.S. checking account helps to avoid the constant struggle to deal with exchange rates. affinity credit union login.
6: Check the value
Members can make up to 12 free transactions per month with a verified monthly fee of $ 4.
- Checking your relationship
- Many benefits come with the account;
- Free and guaranteed deposits
- Debit card
- Interest in your account
- Online banking
- Unlimited electronic transfer
Savings Account
Affinity Credit Unions have two main types of savings accounts. Members can choose from these, even if they both attract 1 $ Intrac e-Transfer transaction fees.
Simply put, there is no monthly fee.
Savings accounts offer unlimited electronic transfers between accounts and free deposits.
Daily Savings:
This savings account is for short-term savings.
In addition, members have the freedom to use and transfer their money whenever they wish.
Two free transactions per month. Including 1 extra cost per transaction and 1 additional staff-support debit. affinity credit union hours.
Withdrawals from Canadian ATMs outside the credit union’s Ding Free Network – $ 2
ATM withdrawals outside of Canada – $ 5
Employee Support Bill Pay – 1.2502 Investor Savings:
Including high-interest rates and low transactions. An investor savings account can help you raise your money.
One free transaction per month. Subsequently, a 5 fee is charged for each additional transaction.
Employee-Support Bill Pay – $ 5
Note that you will not be able to access the investor’s savings account for ATM withdrawals and direct payment purchases.
Borrowing with Affinity Union
Affinity provides mortgages and loans to help credit union members achieve a variety of financial goals.
Financial goals may include acquiring a new home, starting a new business, or launching an educational opportunity.
Personal Loan: It covers all your personal loan requirements. Affinity credit union online banking.
Mortgages
First-time home buyers want to renovate, renovate or upgrade their home; You can get all the mortgage advice you need from Affinity’s mobile mortgage experts.
In addition, they offer many interesting options, including mortgage products and home ownership programs—estevan affinity credit union.
loan
Getting a loan can be a great way to get what you want out of life. However, make sure you get a loan with a favorable interest rate.
It is essential to group each affinity loan option according to the needs in all areas of life.
In addition, personal, RRSP, education, biography, and credit makers have loan options.
Credit line
Debt lines are virtually revolving around loans.
It also helps you manage your daily expenses. Like you can use a credit card. It comes with a very low-interest rate.
There are two types of revolving loans;
1: Line of credit
The loan obtained is deducted from your checking account. You don’t have to worry about your balance going down to zero once the credit line starts working.
Just deposit a certain amount of money to bring your balance back to above zero to pay. It acts as a cushion when you need it.
2: Instant loan
Like an instant loan credit line, it is not linked to your checking account. You can transfer your money to your checking account or anywhere else.
Also, interest charges vary monthly, depending on whether they are secured.
Affinity Union Credit Card
It is important to remember that Affinity offers credit cards for both personal and business needs.
- Personal credit card
- Student MasterCard
- World MasterCard
- Centra Gold MasterCard
- Travel Award Gold MasterCard
- Flex MasterCard
- Cash back MasterCard
- Classic MasterCard
- USD MasterCard
Business credit card
- Low rate business Mastercard
- No fee cash back business mastercard
- Platinum Business MasterCard
Investing with Affinity Credit Union
If you want to invest, it doesn’t matter if you are new to investment or an expert. There are many options to choose from when investing with Affinity Credit Union
Guaranteed Investment Certificates (GICs) are available.
GCI enables you to choose any bet that matches your needs and ensure interest rates.
Affinity Credential Asset Management Inc. offers mutual funds through various registered investment accounts – RRSP, TFSA, RESP, and RDSP.
There are several online tools available for members looking to make the right financial decisions.
Online tools like CutTrade Investors and VirtualWealth are available to get excellent results.
Banking with Affinity Credit Union
To open an account with Affinity you will need the following;
- Identification of a valid government-granted photo
- At least 18 years old and resident of Saskatchewan and
- The member must be willing to buy 5 equity shares.
The most convenient way to the bank with Affinity is through their online website or mobile app. The app is available on iTunes for Apple devices, and Google Play Store for Android.
You can do your regular daily banking such as;
- Paying the bill
- To repay the loan
- Review transaction history
- Check deposit
- Transfer of funds.
Members can go to the nearest branch if they want to talk to any of their employees in person.
Reach Affinity Union through any of your call centers:
For calls – Cooming Soon or search the web if you want to call from outside Canada
Email – Check web.
Chat online by selecting the chat button on credit union website. Log in to your affinity credit union online banking for secure messaging.
Mail – Search web
Last words
It’s easy to get caught up in the excitement of credit unions. In addition, it is important to note that not all credit unions are created equal.
Some credit unions have websites with a wide selection of online services and programs. Others have little information and sometimes small websites that are difficult to navigate.
Affinity Credit Union provides you with the information you need to get started. affinity credit union online, an Attractive website that is easy to browse to meet your financial needs.
Simply put, if you are a resident of Saskatchewan and want to use the services of a credit union, Affinity is a great choice.
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