Affinity Plus Federal Credit Union

Nestled in the vibrant community of Cambridge, MN, Affinity Plus at 1990 2nd Ave SE is your local partner for achieving financial success. Whether you're ready to hit the road with one of their best auto loans or looking to finance your dream home with low mortgage rates, this branch offers tailored solutions that put you first. With convenient lobby and drive-thru hours Monday through Friday from 9 a.m. to 5 p.m., plus Saturday mornings until noon, managing your finances fits seamlessly into your busy life.
Affinity Plus Cambridge provides a full spectrum of services including personal checking and savings accounts, credit cards with rewards, and business banking options like merchant services and business loans. Need quick cash? Their on-site ATM and drive-thru banking make withdrawals and deposits hassle-free. Backed by a strong parent credit union serving over 273,000 members with $4.2 billion in assets, you can trust Affinity Plus to deliver personalized service and competitive financial products.
Ready to explore vehicle financing or refinance your mortgage with expert guidance? Visit Affinity Plus Cambridge today or call 763-689-9110 to discover how local service makes all the difference!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Home Equity
5-Year Fixed-Rate
5.49 % - 5.898 %
5 Yrs
$45,000
80 %
Home Solar Loan
5-Year Fixed-Rate
5.49 % - 5.898 %
5 Yrs
$45,000
80 %
Home Equity
10-Year Fixed-Rate
5.74 % - 5.957 %
10 Yrs
$45,000
80 %
Home Solar Loan
10-Year Fixed-Rate
5.74 % - 5.957 %
10 Yrs
$45,000
80 %
Home Equity
15-Year Fixed-Rate
6.24 % - 6.395 %
15 Yrs
$45,000
80 %
Home Solar Loan
15-Year Fixed-Rate
6.24 % - 6.395 %
15 Yrs
$45,000
80 %
Home Equity Line of Credit (HELOC)
Variable-Rate
6.75 % - 6.971 %
10 Yrs
$100,000
90 %
Home Improvement
5-Year Fixed-Rate
7.24 % - 7.655 %
5 Yrs
$70,000
Home Improvement
8-Year Fixed-Rate
7.74 % - 8.013 %
8 Yrs
$70,000
Home Improvement
10-Year Fixed-Rate
8.24 % - 8.468 %
10 Yrs
$70,000
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
ADJUSTABLE
5/6m ARM Adjustable-Rate, Conventional
5.375 %
5.498 %
5.0 Yrs
CONVENTIONAL
FIXED
8-Year Fixed-Rate, Conventional
5.5 %
5.868 %
8.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6m ARM Adjustable-Rate, Conventional
5.625 %
5.75 %
7.0 Yrs
CONVENTIONAL
FIXED
10-Year Fixed-Rate, Conventional
5.625 %
5.926 %
10.0 Yrs
CONVENTIONAL
FIXED
12-Year Fixed-Rate, Conventional
5.75 %
6.008 %
12.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed-Rate, Conventional
6.0 %
6.215 %
15.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed-Rate, Conventional
6.25 %
6.422 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed-Rate, Conventional
6.625 %
6.758 %
30.0 Yrs
VA
FIXED
15-Year VA Fixed-Rate, Conventional
6.125 %
6.227 %
15.0 Yrs
VA
FIXED
20-Year VA Fixed-Rate, Conventional
7.0 %
7.084 %
20.0 Yrs
VA
FIXED
30-Year VA Fixed-Rate, Conventional
7.125 %
7.19 %
30.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/6m ARM Adjustable-Rate, Conventional
5.375 %
5.498 %
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6m ARM Adjustable-Rate, Conventional
5.625 %
5.75 %
7.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed-Rate, Conventional
6.25 %
6.422 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed-Rate, Conventional
6.625 %
6.758 %
30.0 Yrs
CONVENTIONAL
FIXED
30-Year 97% Purchase Fixed-Rate, Conventional
6.875 %
7.01 %
30.0 Yrs
JUMBO
FIXED
30-Year Jumbo Fixed-Rate
6.625 %
6.685 %
30.0 Yrs
VA
FIXED
15-Year VA Fixed-Rate, Conventional
6.125 %
6.227 %
15.0 Yrs
VA
FIXED
20-Year VA Fixed-Rate, Conventional
7.0 %
7.084 %
20.0 Yrs
VA
FIXED
30-Year VA Fixed-Rate, Conventional
7.125 %
7.19 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Credit builder loan
6 %
0.5 - 1.5 Yrs
$1,000
Solar loan
8.24 - 9.74 %
5 - 15 Yrs
$20,000
Bicycle loan
8.49 - 8.99 %
1 - 3 Yrs
Homeowner personal loan
9.99 - 10.99 %
6 Yrs
$20,000
Holiday loan
10.24 %
0.8 Yrs
$2,500
Homeowner debt consolidation
10.74 %
5 Yrs
$20,000
Personal unsecured
11.24 - 12.24 %
3 - 5 Yrs
Personal line of credit
14.99 %
10 Yrs
student_loans

Student Loans

Program Name
APR
Term
Link
Student Loan Refinance
6.24 % - 7.24 %
5 Yrs - 15 Yrs
Student Loan Refinance
8 % - 9 %
5 Yrs - 15 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
NEW AUTO (2024–2025)
4.74 %
3 Yrs
Auto
NEW AUTO (2024–2025)
4.74 %
4 Yrs
Auto
NEW AUTO (2024–2025)
4.99 %
5 Yrs
Auto
NEW AUTO (2024–2025)
5.24 %
6 Yrs
Auto
NEW AUTO (2024–2025)
5.74 %
7 Yrs

Introduction

Welcome to Affinity Plus, your trusted financial partner located at 1990 2Nd Ave Se, Cambridge, MN 55008. Established in 1934, we have proudly served our community for nearly a century, growing alongside our valued members. With a total membership of over 273,913, we are committed to providing personalized banking solutions tailored to meet your unique needs. At Affinity Plus, we believe that banking is more than just transactions; it's about building lasting relationships. Our assets total an impressive $4,228,683,848, reflecting our solid foundation and dedication to your financial success. Whether you're looking for personal checking accounts, auto loans, or mortgage refinancing options, we offer a wide range of services designed to help you achieve your financial goals. While members can visit us at our Cambridge branch, official correspondence should be sent to 1990 2nd Avenue SE, Cambridge, MN 55008. Our friendly team of 608 employees, led by CEO Dave Larson and Board President Robyn Cousin, is here to ensure you receive the highest level of service. We take pride in our robust loan portfolio of 208,512 loans and leases and maintain strong deposits amounting to $305,507,608. With a net worth of $373,830,407 and cash in hand totaling $23,753,500, we are well-positioned to support our members with confidence and security. We invite you to explore how Affinity Plus can be part of your journey towards financial wellness. For any inquiries or assistance, don't hesitate to call us at 763-689-9110. Visit our website at Affinity Plus for more information about our services or to become a member today! Your journey towards better banking starts here!

Branch History & Mission

Welcome to Affinity Plus, a cornerstone of community support and financial empowerment in Cambridge, MN. Established in 1934, our branch has a rich history of serving the local population with dedication and integrity. Over the years, we have grown alongside our members, evolving from a small credit union into a significant financial institution that now boasts over 273,000 members and total assets exceeding $4.2 billion. Located at 1990 2nd Ave SE, our branch is easily accessible and conveniently situated near various community landmarks. Whether you're visiting us for personal banking needs or seeking financial advice, you'll find our friendly team ready to assist you. While members can visit us at this address, official correspondence should be sent to 1990 2nd Avenue SE, Cambridge, MN 55008. At Affinity Plus, our mission is clear: to provide exceptional financial services while fostering meaningful relationships within the community. We are committed to delivering personalized banking solutions that meet the diverse needs of our members. From checking and savings accounts to auto loans and mortgages, we strive to empower individuals and families with the tools they need for a secure financial future. Our branch operates Monday through Friday from 9 a.m. to 5 p.m., with Saturday hours from 9 a.m. to 12 p.m., making it easy for you to visit at your convenience. We are proud to offer ATM access and drive-thru banking services for those who prefer quick transactions. In addition to traditional banking services, we embrace digital advancements that enhance member experiences. Our online banking platform allows for easy account management from anywhere, while mobile payment options ensure you can handle your finances on-the-go. Community outreach is at the heart of what we do. We actively participate in local events and initiatives aimed at improving the lives of residents in Isanti County and beyond. By partnering with local organizations, we aim to make a positive impact and build stronger communities together. We invite you to join Affinity Plus and experience the benefits of being part of a credit union that truly cares about its members. Together, let's pave the way for financial success! For more information or assistance, feel free to call us at 763-689-9110 or visit our website at affinityplus.org.

Branch Location & Accessibility

Call to Action

Come visit us at Affinity Plus in Cambridge today! We're excited to help you with all your banking needs. If you can't make it in person, don't hesitate to give us a call we're just a phone call away!

Nearby Landmarks and Accessibility

Situated near local favorites like the Cambridge City Park and just a short drive from the Isanti County Historical Society, our location is easy to find and access. We prioritize accessibility for all members, ensuring that our facilities are ADA compliant with ramps and easy navigation throughout the branch.

Operating Hours

We understand that life can be busy, which is why we keep our doors open Monday through Friday from 9 a.m. to 5 p.m., and on Saturday from 9 a.m. to 12 p.m. Feel free to stop by during these hours or call us at 763-689-9110 if you have any questions.

Parking and Services

You'll find ample parking available right outside our door, making your visit hassle-free. Our branch offers a variety of services including personal banking with checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. If you're looking for quick transactions, we also have a drive-thru service for your convenience!

Member Eligibility

Welcome to the community at Affinity Plus, where we believe that membership means more than just having a bank account it's about being part of a supportive family. Joining us is simple and welcoming! Anyone who lives, works, or attends school in the area can become a member. We're especially eager to serve individuals in our local communities, so if you share our passion for supporting each other, you're already on the right track. For more details about eligibility criteria, feel free to check out this resource: http://www.affinityplus.org/membership/become-a-member. Becoming a member at Affinity Plus opens the door to numerous benefits, including personalized service, competitive rates on loans and savings accounts, and access to various financial resources tailored just for you. To get started on your journey with us, give us a call at (763) 689-9110, or visit us at our branch located at 1990 2Nd Ave Se Cambridge Mn 55008. We can't wait to welcome you into our growing family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $450 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $66,167,419, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment processing is crucial. Our merchant services allow you to accept payments easily and securely, whether online or in-person. Imagine having the tools to track sales data at your fingertips while enhancing customer satisfaction through streamlined transactions. This is not just about banking; it's about giving you the freedom to focus on what matters most growing your business. Located conveniently at 1990 2Nd Ave Se Cambridge Mn 55008, Cambridge, MN, our team is here to support your journey every step of the way. Give us a call at (763) 689-9110 or visit us during our lobby hours to explore how we can partner together for your business success!

Comprehensive List Of Services

Accessing Services

For those who prefer face-to-face interactions, our drive-thru banking offers quick access for deposits, withdrawals, and simple transactions without leaving your car. Need cash? Our ATMs provide basic access for withdrawals and balance checks around the clock. At Affinity Plus, located at 1990 2Nd Ave Se Cambridge Mn 55008, we strive to be more than just a bank; we want to be your financial partner in life's journey. If you're interested in learning more about how we can assist you today, please feel free to give us a call at (763) 689-9110. Join us at Cambridge, where your financial success is our top priority!

Business Banking

If you're a business owner, we have services tailored just for you! Our business banking options include merchant services and business loans that can help your company thrive. From managing transactions to securing funding, we stand by your side as a trusted partner.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we prioritize digital banking at Affinity Plus. With features like online and mobile banking, managing your finances has never been easier. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, our ATM services allow easy access to cash whenever you need it.

Lending Options

For those unexpected expenses or big purchases, our personal loans and debt consolidation services can provide the relief you need. Looking for a credit card? Check out our credit cards with rewards, perfect for earning cash back or points on your everyday spending.

Personal Banking Solutions

When it comes to personal banking, we offer robust options including checking and savings accounts that help you manage your money effectively. Whether you're saving for a vacation or just need a reliable account for daily transactions, we've got you covered. Our auto loans and vehicle financing options are designed to get you behind the wheel with competitive rates and flexible terms. If you're looking to buy a home, explore our mortgage loans and refinancing solutions tailored to fit your budget.

Digital & Online Banking

Key Features

With our 24/7 online banking services available at https://www.affinityplus.org, you can check balances, make transfers, and pay bills anytime you need. Our user-friendly interface ensures that you can navigate through your financial activities without any hassle. Plus, say goodbye to paper clutter! With e-statements, you can view your statements digitally, making it easy to stay organized while also doing your part for the environment. Need to sign documents? No problem! Our electronic signature authorization feature lets you sign important paperwork securely from the comfort of your own home. This means less time spent in person and more time enjoying life.

Mobile Banking Options

For those who prefer banking on their mobile devices, our mobile application is here to help. You can manage your accounts right from your smartphone, including making mobile payments for quick transactions. Plus, sending money to friends or family is simple with our person-to-person transfers feature. Just enter the recipient's information and send funds instantly no need for cash or checks!

Security You Can Trust

Your security is our top priority. We utilize advanced technology to ensure that your personal information remains safe while you're banking online. So whether you're checking balances late at night or transferring funds during lunch breaks, you can do so with peace of mind. At Affinity Plus, we are committed to providing accessible and efficient banking solutions that cater to your needs. Join us today at https://www.affinityplus.org and experience the ease of modern banking!

Financial Strength

At Affinity Plus, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial position, which reflects our commitment to providing exceptional service and support to our members. With a net worth of $373,830,407, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $881 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $818,082,743 in share certificates and $949,625,409 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $23,813,289, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $345,949,658 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, with $53,938 in used auto loans and $3,625,652,728 in total loans and leases. Our impressive $13,526,864 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 595 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $1,104,453. Total Share Accounts: 662,042, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Affinity Plus is your trusted partner. Visit us at 1990 2Nd Ave Se Cambridge Mn 55008 or call (763) 689-9110 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $760,512,766 in used vehicle loans and $197,848,114 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier than ever to drive off with the car you want.

Business Financing

For business owners, our outstanding commercial loans totaling $66,167,419 provide the capital needed to grow and expand. We are dedicated to supporting local businesses and helping them thrive. If you're considering refinancing any existing loans or unsure about your eligibility for any of our offerings, we encourage you to reach out to us. Our friendly team is ready to assist you in exploring your options. Feel free to visit us at 1990 2Nd Ave Se Cambridge Mn 55008, Cambridge, MN, or give us a call at (763) 689-9110 during our operating hours: Monday - Friday from 9 a.m. - 5 p.m., and Saturday from 9 a.m. - 12 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Discover how Affinity Plus can help you navigate your financial needs today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $524,421,462, make buying or refinancing simple. With competitive rates and flexible terms, we're here to support you every step of the way.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $248,986,247 in loans helping members manage their finances effectively. Whether you're looking to build your credit or need a reliable source for unexpected expenses, our credit cards come with great rewards and features.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed for those who want clarity and confidence in their lending decisions. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency means that users receive fair offers based on the latest results (Source: https://www.ncua.gov). Each loan listing is backed by legitimate financial institutions, giving users peace of mind as they navigate their borrowing options. One of the key advantages of using LendMesh is its dedication to verified data. Loan offers are not only sourced from credible lenders but are also presented without the influence of paid promotions. This means that users see genuine comparisons rather than listings skewed by advertising dollars. Additionally, LendMesh provides real-time rate comparisons, allowing users to access up-to-date information from multiple institutions at once. This feature empowers individuals to make informed decisions about their loans. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.