Affinity Plus Federal Credit Union

Nestled in the heart of Faribault, MN, Affinity Plus at 900 4th St NW Ste 102 stands as a trusted financial partner committed to helping you reach your goals. Whether you're looking to secure one of the best auto loans to get behind the wheel of your dream car or explore low mortgage rates to buy or refinance your home, this branch offers tailored solutions designed with your needs in mind. Open Monday through Friday from 9 am to 5 pm and Saturdays until noon, Affinity Plus makes banking convenient with both lobby and drive-thru services.
At Affinity Plus Faribault, members enjoy a full range of personal banking options including checking and savings accounts, credit cards with rewarding perks, and easy access to cash via an on-site ATM. Business owners can also take advantage of merchant services and business loans crafted to support local growth. With over 273,000 members and $4.2 billion in assets backing this location, you can trust Affinity Plus for reliable financial guidance.
Ready to take the next step toward financial success? Visit Affinity Plus Faribault today or call 507-332-2070 to discover personalized auto financing and mortgage solutions designed just for you!

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 in Faribault, MN! Located at 900 4th St NW Ste 102, we have been serving our community since 1934 with a commitment to providing exceptional financial services tailored to your needs. With over 273,913 members and a total asset base of $4,228,683,848, we pride ourselves on being a member-focused credit union that prioritizes your financial well-being. Our dedicated team, led by CEO Dave Larson and Board President Robyn Cousin, is here to guide you through various banking solutions, including personal accounts, auto loans, mortgages, and business financing options. We are proud to report total deposits of $305,507,608 and net worth of $373,830,407, which showcases our stability and ability to serve you effectively. At Affinity Plus, we believe in the power of community. Our goal is not only to meet your financial needs but also to contribute positively to the local economy. With a focus on transparency and member satisfaction, we ensure that you feel valued every step of the way. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: 900 4th NW Ste 102, Faribault, MN 55021-4927. Ready to take control of your financial future? Give us a call at 507-332-2070 or visit our website at Affinity Plus today! Whether you're looking for a new account or need assistance with loans, our friendly staff is eager to help you achieve your financial goals.

Branch History & Mission

At Affinity Plus, we pride ourselves on a rich legacy that dates back to 1934, when we first opened our doors in Faribault, Minnesota. Since then, we've grown into a trusted financial partner for over 273,000 members. Our branch is located at 900 4th St NW Ste 102, nestled within the vibrant community of Faribault. This location is not just a point of service; it represents our commitment to supporting local residents and businesses. Over the decades, Affinity Plus has seen remarkable growth, both in membership and assets. Today, we manage total assets of over $4.2 billion, which speaks volumes about our stability and the trust placed in us by our members. We have continually adapted to meet the needs of our community while upholding our mission: to serve as a cooperative financial institution that empowers our members through exceptional service and support. Our mission goes beyond simply providing financial services; it's about building strong relationships within the community. We strive to create an inclusive environment where everyone feels valued and supported. Whether it's offering personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, or providing business banking services, we are here to help every step of the way. While members can visit us at 900 4th St NW Ste 102, official correspondence should be sent to 900 4th NW Ste 102, Faribault, MN 55021-4927. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. With both drive-thru banking and ATM availability, we ensure access to your finances when you need them. As we move forward into an ever-evolving digital landscape, Affinity Plus remains committed to enhancing member experience through online and mobile banking options. We also take pride in being ADA compliant, ensuring that all members can access our services without barriers. Community outreach is at the heart of what we do. Through partnerships with local organizations and initiatives aimed at fostering financial literacy and support for those in need, we aim to make a real difference in Faribault and beyond. Join us at Affinity Plus and discover how we can help you achieve your financial goals while being part of a community-focused credit union dedicated to making a positive impact. Together, let's build a brighter future! For more information or to become a member today, call us at 507-332-2070 or visit our website at Affinity Plus.

Branch Location & Accessibility

Convenient Access

Finding us is simple! Our branch is located in a bustling area of Faribault, making it easy for you to stop by while running errands or enjoying a day out. Parking is available nearby, ensuring that you can access our services without any hassle. We also take pride in being ADA compliant, featuring ramps and other accessibility options so everyone can feel welcome.

Get In Touch!

Have questions? Feel free to call us at (507) 332-2070! We look forward to welcoming you into our branch and helping you achieve your financial goals. Visit Affinity Plus today and experience the difference a community-focused credit union can make!

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours. You can visit us Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 12 PM. Whether you're stopping in during your lunch break or making a weekend trip, we're here when you need us!

Services Offered

At Affinity Plus, we offer a variety of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our dedicated team is ready to assist you every step of the way. You can also enjoy the convenience of drive-thru banking for quick deposits and withdrawals, as well as ATM access for your cash withdrawal needs. While members can visit us at 900 4Th St Nw Ste 102 Faribault Mn 55021, official correspondence should be sent to our mailing address: 900 4th NW Ste 102, Faribault, MN 55021-4927.

Member Eligibility

Becoming a member of Affinity Plus feels like joining a warm, welcoming community where your financial well-being is the priority. If you're interested in becoming part of our family, you'll be glad to know that eligibility is open to anyone who lives, works, or worships in our service areas. This means whether you're a local resident or just someone who frequently visits, you can enjoy the benefits we offer. At Affinity Plus, we pride ourselves on providing personalized service and a range of financial products designed to meet your unique needs. To get started on your membership journey, simply visit us at 900 4Th St Nw Ste 102 Faribault Mn 55021, or give us a call at (507) 332-2070 for any questions. For more detailed information about eligibility requirements and the process to join, feel free to check out our dedicated page at http://www.affinityplus.org/membership/become-a-member. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Member and Non-Member 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 That Make a Difference

In addition to loans, our merchant services empower you to manage transactions effortlessly. Imagine accepting payments anytime, anywhere whether it's through card swipes at your store or online payments on your website. Our tools simplify the payment process, allowing you to focus more on what you do best: running your business. Visit us at 900 4Th St Nw Ste 102 Faribault Mn 55021 in Faribault, MN, or call us at (507) 332-2070 to discover how we can partner with you on your journey towards success. Let's build something great together!

Comprehensive List Of Services

Business Services

If you're a business owner, Affinity Plus has got you covered too! Our Business Banking services include everything from merchant services to business loans that can help grow your enterprise. We know how crucial it is for businesses to have reliable banking solutions.

Convenient Access

We also provide essential services like ATM & Cash Withdrawal Services, making it easy for you to access cash when needed. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle perfect for those busy days!

Credit Options with Benefits

Don't forget about our Credit Cards with Rewards! Enjoy everyday perks while earning points for things you already buy. Whether it's travel rewards or cashback options, these cards are designed with benefits that suit your lifestyle.

Get Started Today

Ready to experience all that Affinity Plus has to offer? Give us a call at (507) 332-2070 or visit us in person at 900 4Th St Nw Ste 102 Faribault Mn 55021 in beautiful Faribault, MN. We look forward to helping you achieve your financial goals with our comprehensive range of services! Your journey toward better banking begins here let's take the first step together!

Loans Tailored for You

When it comes to financing major purchases, we know how important it is to have choices. That's why we provide competitive rates on Auto Loans & Vehicle Financing so you can get behind the wheel of that new ride without breaking the bank. Planning to buy a home? Our Mortgage Loans & Refinancing services make the process straightforward, guiding you from application to closing with ease. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation options can give you the relief you need.

Personal Banking Solutions

Managing your finances should be easy and stress-free. At Affinity Plus, we offer Personal Banking options including checking and savings accounts tailored to fit your lifestyle. Imagine having a place where you can easily access your funds and track your savings goals that's exactly what our accounts provide! Plus, with our Online & Mobile Banking services, checking balances, transferring money, and paying bills can all be done from the comfort of your home or on-the-go.

Digital & Online Banking

Key Features

One of the standout benefits of banking with us is the option for electronic signature authorization. This allows you to complete important transactions quickly and securely without the hassle of paper forms. Additionally, our e-statements provide an eco-friendly way to keep track of your finances while also saving you time and clutter. If you're looking for ways to simplify payments, you'll appreciate our mobile payments feature, which lets you pay bills and make purchases directly from your smartphone. Need to send money to a friend? Our person-to-person transfer service makes it a breeze just a few taps on your device and you're done!

Safety First

At Affinity Plus, we take your security seriously. Our online and mobile banking platforms are equipped with advanced security measures to protect your information. You can feel confident knowing that your data is safe while you enjoy the convenience of real-time account management. With all these tools at your fingertips, managing your finances has never been easier. Explore our digital banking options today and discover how Affinity Plus can help streamline your banking experience!

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 pride ourselves on our strong financial foundation, ensuring that your money is in safe hands. With a net worth of $373,830,407, we maintain robust 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 is impressive, with $53,938 in used auto loans and $3,625,652,728 in total loans and leases supporting members' financial goals across various sectors. Our operational efficiency is evident with a net income of $13,526,864, 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. The trust placed in us by our community is reflected in the total number of 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 900 4Th St Nw Ste 102 Faribault Mn 55021 or call (507) 332-2070 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 flexible terms to fit your budget and make financing your next vehicle simple.

Commercial Loans

For business owners, our outstanding commercial loans totaling $66,167,419 provide the capital needed to grow and expand your business. Whether you're starting fresh or looking to expand an existing venture, we have tailored solutions that fit your needs. If you're interested in any of our loan products or want more information about eligibility and refinancing options available at Affinity Plus, please visit us online at Affinity Plus or give us a call. Our team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your financial journey!

Credit Lines

For those looking for additional financial flexibility, our total credit lines amount to $1,572,797,791. These lines can provide the cash flow needed for various needs from unexpected expenses to planned purchases.

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. We strive to make the process straightforward so you can focus on what matters most your new home.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. 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. Enjoy the convenience of having access to funds when you need them without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Get up-to-date loan rates from multiple institutions, helping you make informed decisions quickly. 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!" This kind of feedback highlights how effective the tool can be in helping borrowers secure better rates. 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.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to using verified data ensures that users receive fair and transparent offers. LendMesh prioritizes accuracy by working only with reputable lenders, making it easier for you to find reliable loan options.

Join Our Community

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.