Affinity Plus Federal Credit Union

In the heart of Saint Cloud, Affinity Plus at 720 4th Ave S is your trusted neighborhood credit union dedicated to supporting your financial success. Whether you're looking for some of the best auto loans to get behind the wheel of your dream car or exploring low mortgage rates to buy or refinance your home, this branch offers personalized solutions designed with your goals in mind. With summer hours from 8 a.m. to 4:30 p.m. and school-year hours shifting to 9 a.m. to 5 p.m., banking fits smoothly into your schedule.
Affinity Plus Saint Cloud provides convenient services including an on-site ATM and drive-thru banking for quick deposits, withdrawals, and balance checks. Members enjoy a full range of offerings such as personal checking and savings accounts, credit cards with rewards, business banking solutions including merchant services and loans, as well as personal loans and debt consolidation options. Backed by a strong parent credit union with over 273,000 members and $4.2 billion in assets, Affinity Plus combines financial strength with friendly, local service.
Ready to explore competitive vehicle financing or secure a mortgage tailored just for you? Visit Affinity Plus Saint Cloud today or call 320-259-7187 to discover how community-focused banking can empower your financial future!

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 partner in financial growth and community support, right here at our Saint Cloud Campus located at 720 4th Ave S, Saint Cloud, MN 56301. Established in 1934, we've been dedicated to serving our members for nearly nine decades, fostering a strong sense of community and providing exceptional financial services. With a membership base of over 273,913 individuals, we pride ourselves on being more than just a credit union; we're a family that supports one another. At Affinity Plus, we understand the importance of managing your finances effectively. That's why we offer a comprehensive range of products tailored to meet your needs, from checking and savings accounts to auto loans and mortgage refinancing. Our total assets amount to an impressive $4,228,683,848, ensuring that we have the resources needed to support our members' financial journeys. Our commitment to you extends beyond numbers. With a net worth of $373,830,407 and total deposits of $305,507,608, we are financially sound and ready to help you achieve your goals. We also offer personalized services like business loans with a net member business loan balance of $68,965,070, because we believe that supporting local businesses strengthens our entire community. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 720 4th Ave S, Saint Cloud, MN 56301-4442. For any inquiries or assistance, feel free to reach out by calling us at 320-259-7187. Under the leadership of CEO Dave Larson and Board President Robyn Cousin, our team of over 608 employees is dedicated to providing friendly service and expert advice tailored just for you. We invite you to explore what Affinity Plus has to offer and discover how together we can build a brighter financial future. Ready to take the next step? Visit us online at Affinity Plus or stop by our branch today!

Branch History & Mission

Join Us!

As we continue this journey together, we invite you to become part of the Affinity Plus family. Experience the benefits of membership and see how we can help you reach your financial dreams. For inquiries or more information about joining us, feel free to call us at 320-259-7187 or visit our website at Affinity Plus. Together, let's build a brighter future!

Our Journey

From the beginning, Affinity Plus has been committed to providing financial services that make a difference. We started with humble beginnings but quickly expanded our offerings as our membership grew. Today, we proudly manage total assets of over $4.2 billion, ensuring we can meet the diverse needs of our members. Over the years, we have adapted to changes in technology and member expectations while remaining true to our core values. Our branch features modern conveniences like ATM availability and drive-thru banking, ensuring you have access to your finances when you need them most.

Our Mission

At Affinity Plus, our mission is straightforward: we aim to provide exceptional financial services while fostering strong relationships within our community. We believe in supporting not just our members but also local initiatives that enrich Saint Cloud and its surrounding areas. Whether you're looking for personal banking options like checking and savings accounts or more specialized services such as auto loans and mortgage refinancing, we're here to help you achieve your goals. Our commitment extends beyond traditional banking; we prioritize outreach efforts that promote financial education and community well-being. While members can visit us at 720 4th Ave S for all their banking needs, official correspondence should be sent to 720 4th Ave S, Saint Cloud, MN 56301-4442.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch is equipped with ADA-compliant features including ramps and designated parking spaces, ensuring everyone can easily visit us without any hassle.

Banking Convenience

At Affinity Plus, we offer a range of convenient services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we're here to help you every step of the way. Our drive-thru banking service allows for quick deposits and withdrawals without having to leave your vehicle, while our ATM ensures access to cash whenever you need it. We invite you to visit us today! Whether you're looking for everyday banking solutions or specialized services, our friendly team is ready to assist you on your financial journey. Come see how Affinity Plus can make banking easier for you!

Convenient Location and Nearby Landmarks

Our branch is just a stone's throw away from popular local spots like the scenic Lake George and the bustling downtown area, which offers a variety of dining and shopping options. This prime location means you're never far from us, whether you're running errands or enjoying a day out in the community.

Operating Hours and Services

We're here to serve you during our summer hours from Monday to Friday, opening at 8 a.m. and closing at 4:30 p.m. Once school starts back up, we adjust our hours to open at 9 a.m. and close at 5 p.m., still providing ample time for your banking needs. You can reach us anytime at (320) 259-7187 if you have questions or need assistance.

Member Eligibility

At Affinity Plus, we believe that everyone deserves a place in our supportive community, and becoming a member is both easy and rewarding. To join us at our welcoming branch located at 720 4Th Ave S Saint Cloud Mn 56301, you simply need to meet a few friendly eligibility criteria. If you're living, working, or attending school in the area, you likely qualify! We embrace diversity and encourage anyone who shares our values to apply. For more specific details about eligibility, feel free to check out our dedicated page at http://www.affinityplus.org/membership/become-a-member. Once you're ready to take the leap into membership, you'll find that opening an account is a breeze. Our team is here to guide you through the process, ensuring you feel right at home from day one. Plus, as a member of Affinity Plus, you'll enjoy exclusive benefits like competitive rates on loans and personalized financial services tailored just for you. If you have any questions or need assistance, don't hesitate to reach out at (320) 259-7187. Join us today and experience the difference of being part of something special!

Business Banking & Commercial Services

Practical Merchant Services

In addition to our loan offerings, we provide merchant services that help streamline your operations. Imagine being able to accept payments easily from customers whether they're using credit cards or mobile payments right at your point of sale. This not only enhances customer satisfaction but also improves your cash flow. With our dedicated team at Affinity Plus, located at 720 4Th Ave S Saint Cloud Mn 56301 in Saint Cloud, MN, you have a partner who understands your needs and is ready to help you achieve your business goals. For more information or assistance, feel free to call us at (320) 259-7187. Let's grow together!

Tailored Loan Solutions

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

ATM and Cash Withdrawal Services

Need cash in a pinch? Our ATM & Cash Withdrawal Services ensure you're never far from access to your funds. With basic drive-thru banking available for quick deposits and withdrawals, we've made it as simple as possible for you to manage your money on the go.

Business Banking Services

For local businesses, we offer comprehensive Business Banking services. From Merchant Services that simplify payment processing to various Business Loans, we aim to support your growth and success every step of the way.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Affinity Plus, we embrace technology with our Online & Mobile Banking services. Access your accounts from anywhere, anytime! You can make transfers, pay bills, and even deposit checks using your mobile device. Our easy-to-use app allows for secure transactions right at your fingertips.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including checking and savings accounts designed to fit your lifestyle. Need a vehicle? Our Auto Loans & Vehicle Financing make it easier to get behind the wheel without stretching your budget. For those significant life changes or investments, our Mortgage Loans & Refinancing services provide competitive rates and flexible terms tailored to your needs. If you find yourself juggling multiple debts, our Personal Loans & Debt Consolidation options can help streamline your payments into one manageable monthly bill. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases, giving you more for what you already spend.

Visit Us Today!

We invite you to come experience all that we have to offer at Saint Cloud Campus located at 720 4Th Ave S Saint Cloud Mn 56301 in beautiful Saint Cloud, MN. For any inquiries or assistance, don't hesitate to reach out via phone at (320) 259-7187. Our friendly team is here to help you navigate all your financial needs with ease and confidence. Join us today and see how Affinity Plus can be a part of your financial journey!

Digital & Online Banking

A Commitment to Your Security and Accessibility

At Affinity Plus, we prioritize your security with every transaction. Our robust security measures ensure that your information remains safe while you manage your accounts from anywhere. With real-time account management tools, you have complete control over your finances, helping you make informed decisions. Join us today and experience the convenience of digital banking at Affinity Plus! Whether it's through our website or mobile app, we're here to support your financial journey every step of the way.

Key Features of Our Digital Banking Services

You can explore all our offerings by visiting us at https://www.affinityplus.org. With our 24/7 online banking services, you can access your accounts whenever you need, day or night. Want to check your balance, transfer money, or pay bills? It's just a few clicks away! For those who value security, we offer electronic signature authorization. This means you can sign documents digitally without any hassle. Plus, enjoy the convenience of e-statements available at your fingertips no more waiting for paper statements in the mail! If you're always on the move, our mobile application makes banking even simpler. You can use it for mobile payments, making transactions quick and easy. Send money directly to friends or family with our person-to-person transfer feature perfect for splitting bills or sharing expenses.

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 dedicated to maintaining a strong financial foundation, ensuring that your hard-earned money is safe and well-managed. 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 ability to lend is also significant: 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. 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. The strength of our member community is evident with a total of 662,042 share accounts, showing a growing 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 720 4Th Ave S Saint Cloud Mn 56301 or call (320) 259-7187 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 purchasing a brand-new model or a reliable used vehicle, we have financing options to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $66,167,419 provide the capital needed to grow and expand. Whether you need funding for equipment purchases or working capital for daily operations, we're here to support your business aspirations. If you're interested in refinancing any of these products or want more information about eligibility options, don't hesitate to reach out! Our team is available at 320-259-7187 to answer any questions you may have. 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 invite you to visit us at our branch located at 720 4Th Ave S Saint Cloud Mn 56301 for personalized assistance tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $524,421,462, making it easier for you to invest in your future. Whether you're a first-time buyer or looking to refinance an existing loan, our team is ready to assist you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be tricky. That's why 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. These cards come with benefits that can help you keep track of your spending while building your credit history.

Loan Aggregator

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