Affinity Plus Federal Credit Union

In the heart of Saint Cloud, Affinity Plus at 2835 W Saint Germain St Ste 100 stands as a welcoming financial hub committed to empowering your financial future. Whether you’re seeking some of the best auto loans to get behind the wheel of your dream vehicle or exploring low mortgage rates to purchase or refinance your home, this branch offers expert guidance tailored to your unique needs. Open Monday through Friday from 9 a.m. to 5 p.m. and Saturdays until noon, plus convenient drive-thru and ATM services, managing your finances fits seamlessly into your busy schedule.
At Affinity Plus Saint Cloud, members enjoy a comprehensive suite of services including personal checking and savings accounts designed for everyday convenience, credit cards with rewarding perks, business banking solutions featuring merchant services and loans, plus personal loans and debt consolidation options. Whether making deposits or quick cash withdrawals, the on-site ATM and drive-thru banking make transactions simple and hassle-free. Backed by over $4.2 billion in assets and serving more than 273,000 members statewide, Affinity Plus combines financial strength with friendly local service.
Ready to explore top-tier vehicle financing or personalized mortgage solutions? Visit Affinity Plus Saint Cloud today or call 320-203-1765 to discover how community-focused banking can support your goals!

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 2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301. Established in 1934, our credit union has proudly served over 273,913 members with a commitment to providing personalized banking solutions tailored to your needs. With total assets reaching an impressive $4,228,683,848 and total deposits of $305,507,608, we are well-equipped to support your financial journey. At Affinity Plus, we understand that every member's situation is unique. That's why we offer a range of services from personal banking including checking and savings accounts to auto loans, mortgage financing, and business banking options. Our experienced team is dedicated to helping you achieve your financial goals while ensuring you feel valued and supported every step of the way. Under the leadership of our CEO, Dave Larson, and Board President Robyn Cousin, we prioritize community impact and member satisfaction. Our team of 608 employees is here to assist you in navigating your finances with confidence. Whether you need help with simple transactions or complex financial decisions, we are just a phone call away at 320-203-1765. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301-6282. We invite you to explore all that Affinity Plus has to offer by visiting our website at www.affinityplus.org. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Join Us

As we continue to grow and adapt in today's fast-changing world, we invite you to join us at Affinity Plus. Experience firsthand the benefits of becoming a member of a credit union that truly cares about your financial well-being and community involvement. Together, let's build a brighter future for everyone in Saint Cloud and beyond!

Mission Statement

At the heart of Affinity Plus lies our mission: to enrich the lives of those we serve through exceptional financial services while fostering community support. We believe that helping our members achieve their financial goals goes hand in hand with uplifting the neighborhoods around us. This mission drives us to engage in various community outreach efforts and partnerships designed to make a real difference. While members can visit us at 2835 W Saint Germain St Ste 100, official correspondence should be sent to 2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301-6282 if you require additional assistance or wish to connect with us directly via phone at 320-203-1765.

Our Journey

Since opening our doors nearly nine decades ago, Affinity Plus has been dedicated to making a positive impact in the lives of our members. Over the years, we have embraced various milestones that showcase our growth and adaptability. From expanding our range of services to include personal banking options like checking and savings accounts, auto loans, mortgages, and business loans, we have continually sought ways to meet the evolving needs of our community. Our branch is equipped with essential features such as ATM availability and drive-thru banking, ensuring convenience for all members. We also prioritize accessibility by complying with ADA standards and offering online and mobile banking solutions that empower members to manage their finances on their terms.

Branch Location & Accessibility

Convenient Access and Features

At Affinity Plus, we prioritize accessibility for all members. Our branch features ADA-compliant ramps and ample parking space, ensuring that everyone can comfortably visit us. Plus, with our drive-thru banking option available, you can handle your transactions without leaving your vehicle. We also have an ATM on-site for quick cash withdrawals or balance checks whenever you need them.

Operating Hours That Fit Your Schedule

We understand that life can get busy, which is why we offer flexible operating hours. Visit us Monday through Friday from 9 AM to 5 PM, or stop by on Saturday from 9 AM to 12 PM. These hours are designed to accommodate your schedule so you can access personal banking services at your convenience. While members can visit us at our main location for all banking needs, please note that any official correspondence should be directed to our mailing address at 2835 W Saint Germain St Ste 100, Saint Cloud, MN 56301-6282.

We're Here for You!

Our friendly team is ready to assist you with a variety of services, including checking and savings accounts, auto loans, mortgage options, personal loans, and more. If you're looking for a reliable financial partner in Saint Cloud, don't hesitate to give us a call at 320-203-1765 or drop by our branch today. We look forward to welcoming you into the Affinity Plus family!

Member Eligibility

Joining the Affinity Plus community is a fantastic way to access a range of financial services while becoming part of a supportive network. To become a member, you need to meet some simple eligibility criteria. Generally, membership is open to anyone who lives, works, worships, or attends school in the area served by our branch at 2835 W Saint Germain St Ste 100 Saint Cloud Mn 56301. If you're unsure about your eligibility, don't worry! You can easily find more details on our website at http://www.affinityplus.org/membership/become-a-member. The benefits of being a member at Affinity Plus are numerous from personalized service to competitive rates on loans and savings accounts. Plus, the process of opening an account is straightforward and welcoming. If you're ready to take the next step or have any questions, feel free to reach out to us at (320) 203-1765. We can't wait for you to join us!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In today's fast-paced world, efficient payment solutions are crucial. Our merchant services help businesses streamline transactions so you can focus on what matters most growing your enterprise. Imagine processing payments seamlessly while also accessing insightful analytics to understand your sales trends better. That's what we offer at Affinity Plus, making it easier for you to manage cash flow and keep your customers happy. Come visit us at 2835 W Saint Germain St Ste 100 Saint Cloud Mn 56301 in Saint Cloud, MN, or give us a call at (320) 203-1765 to learn how we can assist your business!

Tailored 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.

Comprehensive List Of Services

Accessibility

We also offer basic drive-thru banking for quick deposits, withdrawals, and simple transactions without needing an appointment. This service ensures that even the busiest members can manage their finances efficiently. At Affinity Plus, we are committed to providing high-quality services that enhance your banking experience. Whether you need assistance with personal finance or business solutions, we're just a phone call away at (320) 203-1765. Come visit us at 2835 W Saint Germain St Ste 100 Saint Cloud Mn 56301, or check out our website at https://www.affinityplus.org for more information about how we can assist you in achieving your financial goals! Your journey towards better financial health starts here.

Business Solutions

For entrepreneurs and business owners, we provide comprehensive business banking services, including merchant services and business loans. Our goal is to help your business thrive with the right financial tools.

Digital Convenience

In today's fast-paced world, we understand the importance of convenience. That's why our online and mobile banking platforms are designed to put banking at your fingertips. From managing your accounts to making payments, everything can be done from the comfort of your home or on the go. Plus, with features like ATM access for withdrawals and balance checks, you can easily manage your finances wherever you are.

Loans Made Easy

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We aim to simplify borrowing so that you can focus on what matters most. For those who love rewards, check out our credit cards with rewards that offer benefits as you spend.

Personal Banking

Whether you're opening your first checking account or looking for ways to save for future goals, our personal banking services have you covered. We offer checking and savings accounts designed to fit different lifestyles and needs. If you're considering a new vehicle, explore our auto loans and vehicle financing options that make purchasing a car more accessible than ever. You can also rely on us for mortgage loans and refinancing, helping you achieve your dream home while managing your budget effectively.

Digital & Online Banking

Key Features

We also provide e-statements, allowing you to view your account statements online without the clutter of paper. This not only helps the environment but also makes it easier for you to keep track of your finances. Plus, with electronic signature authorization, signing documents has never been simpler or more secure. Need to send money quickly? Our person-to-person transfer feature lets you send money directly to friends or family using just their email or phone number no hassle involved! And if you're always on the go, our mobile application is perfect for banking right from your smartphone. You can even use mobile payments to pay for purchases directly from your phone making transactions faster and easier. We prioritize security in all our services, so you can bank with peace of mind knowing that your information is safe with us. With real-time account management tools, you'll always be in control of your finances. At Affinity Plus, we're committed to providing an accessible and straightforward banking experience that fits into your busy life. Explore our digital banking options today at https://www.affinityplus.org and see how easy managing your money can be!

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 understand that in today's world, knowing your credit union is financially strong is crucial for your peace of mind. That's why we are proud to share our impressive financial health with you. 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 operational efficiency is reflected in our $13,526,864, which enables 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. With net shares available for lending and investments at $1,104,453, along with a robust total of 662,042 share accounts, it's clear that more members trust us with their finances than ever before. 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 2835 W Saint Germain St Ste 100 Saint Cloud Mn 56301 or call (320) 203-1765 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

Additional Information

If you're considering refinancing or exploring eligibility options for any of our loan products, our knowledgeable staff at Affinity Plus is ready to assist you every step of the way. You can reach us at (320) 203-1765 or visit us at our branch located at 2835 W Saint Germain St Ste 100 Saint Cloud Mn 56301 in Saint Cloud, MN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and take a step towards achieving your financial dreams with Affinity Plus!

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 cater to all types of vehicle financing needs whether you are purchasing a new or used vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $66,167,419 provide the capital needed to grow and expand your business. We know how important it is to have reliable funding when pursuing your business ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $524,421,462. Our team is here to guide you through the process and help you understand your options.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $248,986,247 in loans helping members manage their finances effectively, our credit cards come with various rewards and benefits that can help you make the most out of your spending.

Loan Aggregator

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