Affinity Plus Federal Credit Union

In the welcoming Lake Elmo community, Affinity Plus at 9931 Hudson Blvd N is your friendly neighborhood credit union committed to supporting your financial journey. Whether you’re ready to take advantage of some of the best auto loans available or seeking low mortgage rates to finance your dream home, this branch offers personalized solutions tailored just for you. With convenient lobby hours Monday through Friday from 9 a.m. to 4 p.m. and a drive-thru open until 5 p.m., managing your finances fits easily into your busy schedule.
Affinity Plus Lake Elmo provides a full range of services including personal checking and savings accounts, credit cards with rewarding perks, business banking with merchant services and loans, plus seamless online and mobile banking. Need quick cash? The on-site ATM and drive-thru banking make deposits and withdrawals 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 for stability and exceptional service.
Ready to explore competitive vehicle financing or streamline your mortgage refinancing? Visit Affinity Plus Lake Elmo today at 9931 Hudson Blvd N or call 800-322-7228 to experience local service designed around 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 since 1934. Nestled in the heart of Lake Elmo, MN, at 9931 Hudson Blvd N, we are proud to serve our growing community with dedication and care. With a membership base of over 273,913, we strive to provide personalized banking solutions that cater to your unique needs. At Affinity Plus, we believe that strong relationships lead to better financial well-being. Our total assets amount to an impressive $4,228,683,848, which underscores our stability and commitment to our members. Whether you're looking for competitive auto loans where we have facilitated over 208,512 loans or reliable savings accounts with total deposits reaching $305,507,608, our offerings are designed with you in mind. Our leadership team is here to guide you on your financial journey. Under the guidance of CEO Dave Larson and Board President Robyn Cousin, we focus on community impact while ensuring that every member feels valued and supported. We also take pride in having a dedicated staff of 608 employees who are always ready to assist you. While members can visit us at our branch location in Lake Elmo, official correspondence should be sent to the same address: 9931 Hudson Blvd N, Lake Elmo, MN 55042. If you have any questions or need assistance, don't hesitate to reach out at 800-322-7228. Join us today at Affinity Plus and discover how we can help you achieve your financial goals! Visit our website at Affinity Plus for more information on our services and how to become a member.

Branch History & Mission

Community Commitment

At Affinity Plus, we believe in giving back. Our outreach programs focus on strengthening local ties and supporting initiatives that improve the quality of life in Lake Elmo. We partner with various organizations to promote financial literacy and provide resources for those in need. Through these efforts, we strive to create a lasting impact beyond just banking. While members can visit us at 9931 Hudson Blvd N, official correspondence should be sent to the same address as our mailing address remains unchanged. Our friendly staff is ready to assist you during lobby hours from 9 a.m. to 4 p.m., Monday through Friday, with drive-thru services available until 5 p.m.

Join Us

As we look ahead to the future, we invite you to become part of the Affinity Plus family. Experience firsthand how we can help you navigate your financial journey while actively contributing to the Lake Elmo community. For more information about membership or our services, please call us at 800-322-7228 or visit our website at Affinity Plus. Together, let's build a brighter future!

Modern Banking Solutions

As part of our commitment to innovation, Affinity Plus offers digital banking solutions that ensure convenience and accessibility for all members. With features like online banking, mobile payments, and ATM access available at our branch, managing your finances has never been easier. We are proud to be an ADA-compliant facility that welcomes everyone with open arms. Whether you prefer in-person assistance or digital solutions, we have options tailored just for you.

Our Journey

From humble beginnings, Affinity Plus has grown into a vibrant community-focused institution. Over the years, we have expanded our services and membership base significantly, now boasting a total membership of 273,913 individuals. With total assets reaching an impressive $4,228,683,848, we are committed to providing personalized banking solutions that empower our members to achieve their financial goals. Our mission is clear: to deliver exceptional financial services while fostering a sense of belonging and support within our community. We understand that each member's journey is unique, which is why we offer a range of services from personal checking accounts and auto loans to mortgages and business banking solutions. Every service is designed with our members' needs in mind.

Branch Location & Accessibility

Convenient Access and Features

At our Lake Elmo location, you can expect friendly service and a welcoming atmosphere. We offer ample parking options, ensuring that your visit is hassle-free. If you're looking for accessibility features, rest assured that our branch is ADA compliant with ramps for easy entry.

Operating Hours

Our lobby is open Monday through Friday from 9 a.m. to 4 p.m., so you can come by when it's most convenient for you. If you prefer using our drive-thru service, we're here for you until 5 p.m. on weekdays! Unfortunately, we are closed on Saturdays and Sundays, but our ATM is available around the clock for your convenience.

Services Offered

Whether you're looking to open a checking or savings account, need an auto loan, or want to explore mortgage options, we've got you covered. Our team is dedicated to helping you navigate personal banking solutions tailored to your unique needs. We also provide basic drive-thru banking for deposits and withdrawals. While members can visit us at 9931 Hudson Blvd N, official correspondence should be sent to the same address as we don't have a separate mailing address. If you have any questions or need assistance, feel free to call us at 800-322-7228. We look forward to serving you and welcoming you into the Affinity Plus family!

Member Eligibility

Becoming a member of Affinity Plus is like joining a caring family where your financial well-being is our top priority. If you're looking to become part of our community, you'll find that eligibility is quite straightforward. We welcome individuals who live, work, or attend school in the areas we serve, as well as their family members. This means that if you have a connection to our local communities, you're likely already eligible! Not only will you gain access to a range of personalized financial services tailored just for you, but you'll also enjoy the benefits of being part of an organization that truly values its members. To learn more about the specific eligibility requirements and ensure you're set to join us, feel free to visit our detailed resource at http://www.affinityplus.org/membership/become-a-member. Opening an account is a breeze and can be done by contacting us at (800) 322-7228, or simply stopping by our branch located at 9931 Hudson Blvd N Lake Elmo Mn 55042. We're excited to welcome you into the Affinity Plus family!

Business Banking & Commercial Services

Financing Options for Growth

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 Sense

Imagine this: a customer walks into your store, ready to make a purchase. With our merchant services, you can easily process their payment, whether it's through credit cards or mobile payments. This not only enhances customer satisfaction but also improves cash flow for your business. Whether you're looking for a loan to expand operations or reliable merchant services to streamline transactions, Affinity Plus is here to help you thrive. Visit us at 9931 Hudson Blvd N Lake Elmo Mn 55042 in Lake Elmo, MN, or give us a call at (800) 322-7228 to learn more about how we can support your business journey!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? With our ATM access, withdrawing cash is quick and simple. You can easily check balances or withdraw funds without hassle.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options can help you hit the road without breaking the bank. With easy application processes and quick approvals, we ensure you're driving off in your dream car in no time.

Business Banking

For small business owners in Lake Elmo, our business banking services include merchant services and business loans tailored just for you. We understand the unique challenges of running a business, which is why we offer flexible solutions to help you thrive.

Credit Cards with Rewards

Shopping rewards? Yes, please! Our credit cards come with great rewards that can enhance your everyday purchases. Enjoy benefits like cash back or travel points while managing your expenses effectively.

Drive-Thru Banking

For those who prefer face-to-face interaction but are short on time, we offer drive-thru banking services for deposits, withdrawals, and other simple transactions because sometimes convenience is all about keeping things moving smoothly. At Affinity Plus, we pride ourselves on creating a welcoming environment where members feel valued and supported. To learn more about how our services can benefit you or to speak with one of our friendly representatives, give us a call at 800-322-7228 or visit us at our Lake Elmo branch today! Your financial journey starts here!

Mortgage Loans & Refinancing

If homeownership is on your horizon, look no further than our mortgage loans. Whether you're purchasing your first home or refinancing an existing mortgage, we provide personalized guidance every step of the way. Our team can help simplify complex terms and find the best loan options that fit your budget.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts from anywhere at any time. Pay bills, transfer money, or check your balance with just a few taps on your smartphone.

Personal Banking

Whether you're looking to open a new checking or savings account, our personal banking services are designed for ease and flexibility. Imagine setting up an account that not only suits your daily needs but also helps you save for future goals. We offer competitive interest rates on checking and savings accounts, making it easier for you to grow your money.

Personal Loans & Debt Consolidation

For those unexpected expenses or debt management needs, our personal loans can provide the support you require. Imagine having a single monthly payment rather than juggling multiple debts our debt consolidation options make this possible and manageable.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to manage your finances with just a few clicks. You can check balances, transfer funds, and pay bills all in one place. Plus, we offer electronic signature authorization, so you can complete transactions without the hassle of paperwork. Want to keep track of your spending? Sign up for e-statements and receive your account statements electronically, making it easy to stay organized and eco-friendly. If you're always on the go, our mobile application makes banking even more convenient. You can use it for mobile payments, which lets you make purchases directly from your phone. And if you need to send money quickly to friends or family, our person-to-person transfers feature has got you covered no need for cash or checks!

Security You Can Trust

Your security is our top priority. Our online and mobile banking platforms are equipped with advanced security measures to protect your personal information. You can bank with confidence knowing that we take every precaution to keep your data safe. With all these features at your fingertips, managing your money has never been easier. Whether you're at home or on the move, Affinity Plus ensures that you have full control over your finances whenever you need it. Discover the ease of digital banking today!

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $345,949,658 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $53,938 in used auto loans and $3,625,652,728 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings Options

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.

Operational Efficiency

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.

Solid Financial Foundation

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.

Trust Built on Transparency

Total Share Accounts: 662,042, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,104,453. 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 9931 Hudson Blvd N Lake Elmo Mn 55042 or call (800) 322-7228 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. Whether you're interested in financing a new or used vehicle, we have options that can fit your budget.

Credit Card Loans

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. This can be an excellent way to consolidate debt or cover unexpected expenses while enjoying competitive rates.

Credit Lines and Business Loans

For those who need extra flexibility in their finances, our credit lines totaling $1,572,797,791 allow you to borrow as needed without having to take out a traditional loan. Additionally, for business owners, our outstanding commercial loans totaling $66,167,419 provide the capital needed to grow and expand. At Affinity Plus in Lake Elmo (9931 Hudson Blvd N), MN 55042, we're here to assist you every step of the way. For more information about our loan offerings or eligibility options for refinancing existing loans, feel free to reach out at 800-322-7228. 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're committed to transparency and ensuring you have access to all necessary information as you consider your financial future with us.

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 provide personalized assistance throughout the process to ensure you understand all your options.

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

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